vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
Account is not opened like the Conns company claims. Debt being updated as open every month since 2014. It's been more than 7 years and debt was even charged 5 years ago. Conns is still trying to collect unknown amount which is hurting my credit. I am about to be XXXX because of this collection that continues being updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
When someone has a low balance and said person has minor consecutive payments, it causes extreme overdraft fees. Repeated XXXX $ fees for smaller automated payments? This is utterly ridiculous for people with low incomes. This comment is specifically directed towards Wells Fargo. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
My

initial communication to LexisNexis was a written dispute of a Bankruptcy listed in my credit file. This entry is inaccurate and I requested procedure ( s ) used to verify this information as well as disclosure of who and where this information was obtained. I haven't received a response ( 30 days ), so I mailed a follow up letter via certified return receipt mail requesting a response as well as requesting the deletion of inaccurate names and addresses I found listed on my LexisNexis credit report. Initial and Follow Up letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I received a call from IC SYSTEMS and they asked for my social security number.I asked who I was talking to before I gave that information and they got load told me they would take me to court and garnish my wages and get a judgement.they would not give any other information untill I gave my social security number and I refused untill I knew who I was talking to.very rude.the number they called from was XXXX called back and again they were load and rude and hung up on me.I have no idea what they are calling about because I wouldnt give my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attempted to have Equifax, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The two most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though Equifax only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is hardly the first first time I've contacted you. In your prior responses, I've gotten pablum and, whatever the bank says is what you tell me. So ( after referring to my prior XXXX or XXXX complaints ), please see the following. I've been getting the runaround from Capital One ( and you and the insurer and the reverse mortgage holder ). What was a small, to me fairly insignificant problem, as turned out to be the 100 Years ' War. And the amount at stake is fairly miniscule, except for me, of course. Attached is the last letter I sent to Capital One. If the online agreement does not say SPECIFICALLY that there may be ONLY ONE PAYEE, then everything else is BS and their argument is nothing. Attached is letter I sent to Capital One. 

And if I had the money to hire an attorney, I wouldn't be writing this now. Look at their agreement! It's not worded as they believe it is worded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX is in violation of 15usc 1681 section 602a. They violated my privacy by sharing my transactions without my written consent. XXXX is also. Further is the violation of 15 usc 1681 section 604a section 2. Please remove this account and its history off my consumer profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Social Finance, Inc.
State: IL

Complaint narrative:
I was alerted to a fraudulent credit inquiry by XXXX on XX/XX/2022. It was by a personal loan company named XXXX. I immediately alerted XXXX that this was fraud, and they told me they would take the necessary steps to make sure more fraudulent activity did not take place. I also contacted XXXX immediately and let them know that this was identity theft and that XXXX owner of the XXXX being useddid not apply for any loans. The next day, despite being on the phone for over an hour with XXXX the previous day, another hard inquiry for a personal loan from SoFi was allowed through. My accounts, reports, etc are frozen. I have placed alerts on all three bureaus. Furthermore, XXXX has made it their policy to never talk to a customer unless they are a business customer. Their automated system menus are deliberately designed to lead callers to dead-ends and hang up on them. They dont take their duty as to the public as a credit reporting agency seriously and are not even willing to fulfill the basics steps to protect the identity of the people whose information they sell. I have not been able to get a response from them or Sofi at this point. I am purely depending on credit locks and freezes and my personal diligence to protect my finances. The hard inquiry on my credit still remains. Luckily, I dont believe any loans were generated as I reacted within minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit reporting act XXXX # XXXX has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I called Capital One Credit Card today and they had no record of a returned check yet whenever I try to apply for a car with Capital One Auto Financing I am automatically denied due to a returned check in the system. I am getting more than 10 letters saying I have a returned check but yet when I do call they have no record my bank made an error and held my money for a considerable time due to the large deposit that was resolved and I was never ever charged any over draft fees due to this error. I am constantly trying to get auto financing but yet due to this error that is in Capital One system I can not get financed as the letter is stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
In the last quarter of XXXX XXXX my divorce began, I had fallen behind in my payments of the mortgage I closed on XXXX XXXX. The nature of my business is solely dependent on my ability to perform. 

The first quarter of XXXX I was committed to multiple contracts to continue developing various treatments for Caner and more importantly my XXXX XXXX was scheduled to deliver a return of the XXXX invested prior XXXX years During the Forced lock down the lender carried on with XXXX XXXX Maryland courts. Because of the uncertainty of XXXX, XXXX XXXX plant in XXXX was XXXX down for over a XXXX in XXXX and XXXX investors were prevented from conducting business with my company because of the forced lock down. 

The XXXX began foreclosure proceedings in XX/XX/XXXX. Absolutely NO RELIEF was offered. Once the Court reminded the Lender of the Moratorium in place to provide relief the Lender responded with a motion submitted that falsely stated I was exempt from the protection provided by the XXXX Moratorium. 

My Home was not only being taken from me, my ability to recover any additional funds also was stripped away by the lender who reported my loan inaccurately. instead of owing my original Debt I owed over XXXX due to credit reporting by the lender When in fact I only borrowed {>= $1,000,000}. 

As of todays date the lender finally repaired the duplicate reporting, however the loan information is still a lot more than I borrowed. 

My business suffered the consequences because my equity and credit availability had been eaten up by the lenders false credit reporting The XXXX XXXX and any local grants or loans I could apply for all denied me because my debt to income ration and my credit score that suffered XXXX reporting of mortgages XXXX Forclosure and the second account remained open and was still accruing interest 1 year after the judges order of forclosure and is still showing active. 

I am requesting for assistance to seek the damages caused by this lender. 

XXXX XXXX XXXX XXXX. 
I am the spouse listed in the final closing statement. XXXX XXXX, at no point did I authorize the use of my personal identification information for the application process of this loan. 

I was not in the country at the time as XXXX and I were separated. I was in XXXX where I still remain. and have record of my travels. 

The lender added my personal information without my consent. I was given direction from them to go to American consulate in XXXX and sign the mortgage application on XX/XX/XXXX. I told the lender taking out. a loan for XXXX XXXX was of not interest to me as I pay cash for everything. 

Lender falsely advised XXXX my agreement to continue with the application. There is no documentation with. my signature approval or consent. If there is record it is a fraudleunt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THEY ARE REPORTING INFORMATION ON MY CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans union has state that do not honor the fair credit my reference number was XXXX I was told that they didnt have to follow the fair credit act. Also I was told by a XXXX that they do not know the law and I should call the CFPB. The fair credit act I was referencing was ( In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ) please honor the law and delete all negative items and hard inquiries off my report immediately. My next step will be legal action against trans union

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student government loans that were originally given to me were sold to nelnet and another student loan company. Not being able to find a job and repay them they had placed my accounts on forbearance for years! Upon finally finding a job I created an IDR plan through great lakes and my original loan seems to grow overtime. I have not been able to pay it down or be rid of the debt since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX account # XXXX XXXX has placed 2 missed payments on my credit report, I need an investigation. I need proof of the alleged payments being late or update payments history to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, XXXX, XXXX and I was not able to get any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies Equifax, XXXX, XXXX and I was not able to get any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, Experian, XXXX and I was not able to get any assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation