vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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:
I have ask Experian muti time to prove to me that these inquires on my consumer report that were from my alleged private transactions actions and account listed from XXXX XXXX XXXX were share with my consent I have a right to privacy an never gave verbal or written consent to any third party company to share my private transactions with anyone. They continue to report these items an not respond its their duty to report accurately and failed to do so. This my last warning of notice they have 5 calendar days to show me I gave verbal or written consent to share this accounts and that I am LEGALLY OBLIGATED TO PAY THIS ALLAGED ACCOUNT ABOVE! A SIMPLE VERFY IS NOT ACCEPTABLE constitute or appropriate legal nor lawful response

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 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
XXXX negotiated the debt with XXXX XXXX XXXX and paid it off in XXXX of 2022. I get several calls a week from a company called XXXX telling me that they are calling because I owe XXXX XXXX XXXX which I do not. The settlement was for {$2500.00} and I have emails from XXXX telling me that my debts have been paid in full on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I've bought {$500.00} Vanilla gift card at XXXX store in XXXX XXXX on XX/XX/2022. The next day trying to set up the pin I've discovered it doesn't work. I called customer service, they said someone paid with it for some services. They said we have to start a dispute case, I've provided all my information to them and supposed to wait for dispute form to fill out in my email. After waiting for some time I called them again, but Vanilla gift card said they emailed the form to me. After third of fourth call I have received the form in my email on XX/XX/2022, I filled it out and emailed it back to them. I also mailed it to their address in XXXX, GA. Since then I still didn't get anything from Vanilla gift card. I called them several times, usual wait time on the phone is about XXXX hour. They keep telling me they didn't receive my dispute form, or they received it but it's under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I bought an XXXX vinyl record box set through XXXX on XX/XX/XXXX for {$440.00}. It supposedly arrived on XX/XX/XXXX. I got home and no package. I contacted XXXX and opened a missing package dispute. XXXX denied my claim with no explanation but a time stamp so I requested a driver log. They ignored and refused to help anymore so I opened a dispute with my credit card company, Synchrony. In XXXX, I won my dispute and they removed the charges. In XXXX, the charges returned with no explanation. I have contacted Synchrony XXXX  times by reopening a dispute, fraud protection, etc ... and was finally mailed a letter that said they charges were accidentally put back on my account and would be removed by XX/XX/XXXX. This was a lie and the charges still remain on my account. I've tried working with them on this and I keep being lied to. I need help getting this removed.

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 monetary relief
Consumer complaint received 2023-04-13 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: VA

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 XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


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 reporting containing any of the following items of information Any other adverse item 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 2023-04-12 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: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
Ameriassist AR Solutions is now reporting my settlement as a Public Record to XXXX. It is my understanding that only bankruptcies are allowed to be reported as a Public Record. ( Ameriassist is doing in this addition to reporting my settlement to XXXX. ) Again, this had caused my credit score to plummet. Sadly, I had believe that by making things right with the creditor, my credit score would increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XXXX XXXX, 2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist ( loan company ) failed in any type of communication to me regarding my loan. Especially when the recurring payment stopped going through I was never notified. No notices were received about any payment status at any point since XX/XX/XXXX and it wasn't until XX/XX/XXXX that I saw an impact on my credit report and investigated. They've waived all penalties on the late payments and have agreed to send all future notifications in all available methods including mail, phone, and email so this never happens again. I do not believe XXXX investigated the issue properly in the two days since I sent a dispute argument and has not fixed the bad mark on my credit report. I sincerely believe both organizations require further investigation on their process and failure to properly handle their customers.

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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson capital keeps trying to get to a bill that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Back in XX/XX/XXXX, I attempted to make an online mortgage payment with Wells Fargo. I was unable to make the payment and got an error message saying NO PAYMENT REQUIRED DUE TO PANDEMIC COVID-19 FOR THE NEXT 3 MONTHS. There was no way to bypass this to make the payment so I called into customer service. The rep told me there was a request to suspend payments, and I advised that I had no need to suspend payments and I never requested a forbearance. He apologized, removed it from my account, and I set up a payment with him. 

I didn't think much about it, until XX/XX/XXXX when I actually needed to do the forbearance. I called into customer service and got a 3 month forbearance. However, when I got my confirmation paperwork in the mail, imagine my surprise when it stated that this was my 2ND 3 MONTH FORBEARANCE! I immediately called in, disputing this, saying that I had never missed a payment and never requested a previous forbearance. 

This issue has been escalated at least 3 times during the process, with everyone telling me that my call into customer service was to REMOVE A REQUESTED FORBEARANCE, when in all actuality, the call was made because I was unable to make my regular monthly payment No one can give me proof that I requested the original forbearance. The forbearance that I am in now, I got a ton of paperwork confirming the forbearance and what happens next. I never got anything like that with the " 1st forbearance. '' So now that I actually need the help, I am getting shorted 3 months in error. To be clear, I never missed a payment on my mortgage. But with shorting me 3 months in error, on the off chance that I actually NEED that extra time, I could end up in foreclosure based on that error! 

I have asked for confirmation or proof that I enrolled in the forbearance, and all I'm being told is that it was put on my account on XX/XX/XXXX and I called in requesting removal on XX/XX/XXXX ( which is the date I called because the online would not take my payment ). 

I definitely need assistance with this issue.

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 2023-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX have segregated me from ever making a credit dispute. I called Experian and XXXX regarding a collection ( XXXX ) and hard inquiries ( Experian ). They both flagged me, segregated me, and were advised by a representative that since I made a complaint to the Consumer Financial Protection Bureau, I have placed a " Troubled '' consumer. I get transferred to a specialized unit, but they won't handle my complaint or take them. I did get consent to record the first two representatives from Experian, however once transfer to the unit I was advised by the rep that I could not record them, they could only record me. XXXX would not let me record them and did not receive consent and they hung up on me. 

XXXXHas violated my rights to privacy Experian-Has violated my rights to privacy U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am able to access my credit report through XXXX and XXXX but receive an " error code NH '' with Equifax. I was first alerted to this issue in XXXX when I applied for a federal loan forgiveness program ( {$50000.00} of loan forgiveness for working in an XXXX XXXX ) and was denied because the application committee was unable to access my credit score. I called several times at the end of XXXX but I was not helped because my identity could not be verified. I faxed in my identity information to Equifax and followed up but the issue was never resolved. 
In early XXXX, I was unable to open an account for electricity in a new county I moved to because the county was also unable to verify my credit score through Equifax. 
In XXXX, I again faxed my identity information ( drivers license, SS card, etc ) and Equifax was unable to confirm my fax or resolve the issue. 
In XX/XX/XXXX, I was denied a car loan through a large car company financial department because they could not verify my credit score through Equifax. I sent a direct message via XXXX to Equifax ( I had read that others had found this helpful ). Equifax said someone from their Executive Resolutions Team would reach out but they never did. I sent several follow up messages through XXXX and they stopped responding. I XXXX  Equifax in XX/XX/XXXX and they again told me to direct message them with the same information that I had provided in XXXX. 
I'm recently married and hoping to purchase a home soon to start a family. Unfortunately, I'm afraid I will again be denied a loan and this will also impact my partner as we're married now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Nelnet, Inc.
State: VA

Complaint narrative:
12 USC 1813 PLEASE REMOVE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act BARCLAYS BANK DELAWARE has violated my rights. Inquiry : on XXXX XXXX XXXX 2 section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was a victim of identity theft and the credit card company keeps denying my dispute simply because the scammer was able to hack my email and obtain a fake ID with my name on it. The initial fraudulent charge occurred via online transaction ( for in-store pickup ) on XX/XX/XXXX in the amount of {$1500.00}. This was reported to my credit card company. A temporary refund was received on XX/XX/XXXX as an investigation was launched. However, we were notified that this was reversed via email on XX/XX/XXXX. 

The merchant 's invoice receipt indicates the online order was selected for in-store pickup at a store in a city 2 hours away from where I reside. The individual picking up the order had a fake ID that had my name on it. A police report was filed in city of residence, which was then forwarded to the police department that the crime occurred as it was in a different jurisdiction ( the report was provided to the credit card company ). Additionally, the pickup receipt indicates the order was picked up on Monday, XX/XX/XXXX at XXXXXXXX XXXX. At that time, I was at work and there is no possibility of this ( I provided the credit card company with a written statement from my supervisor to back this up also ). This is a clear indication of identity theft ( police report and statement from supervisor proving it could not have been me ). As an XXXX XXXX military service member, I would need prior written approval to be absent during work hours, which did not happen. 

I was contacted by the police department that the crime occurred in and notified that that they are unable to obtain surveillance footage from the merchant, as they do not keep footage more than 60 days old. By the time we received the dispute outcome on XX/XX/XXXX, it had already exceeded this time frame and the police department was not able to assist me. 

Fast forward six months later ( XX/XX/XXXX ), I have re-opened the dispute a total of 3 times now. They keep rejecting my evidence/dispute without providing an explanation. The supporting evidence clearly shows that I did not make or pickup up the purchase but they are not helping me resolve the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I attempted to request my credit score and report from the three major credit bureaus. Two of them are very problematic in how they make the information available to the consumer. 

XXXX- refuses to provide the credit score unless I pay for it. ( 1 ) They omit it from the credit report, and ( 2 ) provide a link to the XXXX which states that consumers may have to pay for a copy of a report related to mortgages, and they make the information appear as though it applies to all requests for credit reports, and ( 3 ) they provide an option to pay for my credit score and request my payment information but they never disclose up to this point how much they will charge for the score. In the small print on a subsequent page they say the fee is {$.00} which includes a 30-day credit monitoring subscription that renews at $ XXXX. They also state in the small print that it's not a FICO score, and that the score that you are purchasing is not one that lenders use. So it is an elaborate ploy to mis-direct consumers into purchasing credit monitoring at a cost of almost $ XXXX. 



Equifax - provides a visible credit score and report but it is impossible to print, download or save the report. It requires you to open multiple sections of the report separately, and save or print them separately. This is an unnecessary burden on consumers which has no valid basis or justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please look at the attached documents as the personal information you are reporting is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I applied for a mortgage approval and my credit was run and one of the 3 credit reporting bureaus, I think TransUnion, sold my personal information. I have had for 60 phone calls and text messages today and someone called and listed off my SSN and DOB. The mortgage lender indicated they can not do anything about that and they are aware that the credit bureaus are selling information. I want to report this and will be considering sueing

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