vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
Have reported numerous times identity theft. Last identity theft report was closed after phone was hacked. I have had current equifax account for about 2 years. Suddenly equifax will not let me log into my account without contacting a call center in XXXX and getting a password sent to my email from them. They sent me an email saying the issue was fixed. It is not fixed and Im tired of fighting with these people over my own social security number. This is a violation of fcra and my rights to lock me out of my own credit report. The person stealing my ssn is constantly doing this to save their own behind. Im tired of it and nothing is ever done. This has been going on since around XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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. 

Accounts # : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has all violated my rights.

15 U.S.C 1681 section 602 A. States 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: 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. 

Accounts # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated my rights.

15 U.S.C 1681 section 602 A. States 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

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Bankruptcy and it was only deleted off my equivalent report not experian and 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 2022-11-02 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: AL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
reached to company explained that I didn't know about debt and it wasn't mine. Dispute open with all creditors. 
Professional Debt Mediation {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
In late XX/XX/2022 I notified Mohela that I am opting to receive payments made during XXXX refunded to me. Mohela stated that it would take up to 30-days to receive the funds back. It has now been more than 65 days and I still have not received my refund. Furthermore, I have made multiple attempts to contact them by phone, email and their website messaging system. Three times I was on hold for XXXX hours and XXXX minutes after which the music stops and I was either disconnected or continued to wait without any indications I was still connected. This is abominable customer service and I see no reason why I should continue to endure financial hardship as a direct result of Mohela not refunding my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I received a loan modification from select portfolio services Bank in XX/XX/XXXX. I then completed the 3 month trial mod, paying ahead of time. 2 months after that sps demanded my ex husband 's signature to complete the modification. I can not produce that, as I have a final restraining order against him for severe XXXX  XXXX. He had attempted to XXXX  me..sps knew this beforehand and agreed to the mod and accepted my payments. Sps refused to take more payments in XXXX XXXX then sent them a Notice of Error in XX/XX/XXXX. They had 30 days to respond but did not respond. At this point, they are attempting to foreclose on my mortgage. Please help, as survivors of XXXX  XXXX, my children and I need our home. I have lived here for XXXX XXXX 
Also : I had filed a complaint with XXXX XXXX XXXX XXXX in XX/XX/XXXX, they accepted and worked with me to get the modification. It was several months after sps took my payments and I honored the mod, that sps denied my money. Also sps called my homeowners insurance and told them that the home was vacant in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home has never been vacant, I have resided here every single day and kept the property in pristine condition. Sps committed many acts of fraud against me. Please help. Thank you so much for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/22 Email stating B of A credit card application received. 
Received multiple alerts from credit reporting agencies, and other companies I do business with. 
XX/XX/22 Called B of A XX/XX/22 Received call from Bank of America 's online fraud prevention and detection department. 
XX/XX/22 Returned B of A call to confirm fraudulent activity. I was informed that my birthdate and social security number was used.

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 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
i reviewed a copy of my credit report and notice a collection from an unknown company, i never received any information from them and never had any type of agreement or service with them. I never authorized anyone to share any type of information on my behalf with them. I mailed a letter asking why are they reporting anything without my written consent as well to recieve a copy of their license that authorize Any reporting in my state. I also asked for any contract bering my wet original signature. Its been over 30 days and i have not heard anything neither has it been removed from my credit file. I asked if they are reporting on another companies behalf that the account is sent back to that company because i never agreed for my information to be shared

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX of XXXX I lost my husband, I paid my mortgage off with the money he had left, he worked for the USPS and they put remainder of funds into a annuity account, my family wanted me to go to speak to a financial advisor to see what I should do with the remainder of funds, I was told at Wahcovia at the time to invest into an Money Market account and take out a Small ( XXXX ) revolving equity loan so I had a write off as I paid the home off, not sure what to do I trusted them but was not back to working and really did not need another payment as we had just purchased a new home. before he passed. I am 20 years into the loan paid a monthly bill whatever the payment was added to principal at times and never saw a amount off principal balance tried several times to to take out additional funds to fix up the home and upgrade, and was denied, also never told why exactly, I did receive paperwork about equity loans being given out at Wachovia with faulty disclosures and filed, but never received any following on that.. I had called and asked to speak to XXXX XXXX as she help out that day and was told she left the bank, I asked for what location she was at and was told they could not help me. I am asking now because I have a 40 year loan that I was never permitted to increase and was frozen in XXXX because of XXXX late payments,,,, also it was interest only payments for 20 years with a 20 year draw which was frozen 7 years into, and now they want payment high interest for another XX/XX/XXXX years on principal with again daily interest? I was even told to go to another company and ask for a loan to pay off this loan which I paid interest on for XXXX plus years..Seems like I am way overpaying on such a small amount my home has increased in value over the first XXXX, I am so confused and never heard of a 40 year loan and such long interest payments, ( 40 years interest ) .but I was taken advantage of at a rough time in my life I have stopped payments as this is not realistic, or fare to the customer. Please contact me for further information Thank you for your prompt attention to this matter XXXX 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 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1200.00} XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1300.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1500.00} NONE OF THESE WERE AUTHORIZED. I have no idea who these people are. Zelle evidently do not provide or offer any SECURITY OR AUTHORIZATION CHECKS to confirm that the account holder is making the payments or aware that they are being made. Zelle was submitted 4 complaints to go over the transactions that completed. 3 more were blocked by my credit union.

ZELLE is a PROBLEM and they need to be shut down or regulated or FINED so that they don't provide a service that involves finances without any security measures whatsoever. 

I would like to file charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I sign for a car for a family member in 2015 with Santander.. the car was sent back without my con sent.. Santander fail to reach out to me.. its on my credit report.. I contact them numerous of time for a year and half and was told that XXXX XXXX the person sign with me told them Santander to not contact me.. Santander told me three different occasions that they were sending me information via email and mail.. I have yet to receive it.. they have been ignoring for months now.. it need the car off my credit because they fail to communicate with me.. its hinder me from buying a house..I did everything right on my end..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Inquiry Privacy Violation and Defamation of Character To Whom it May Concern ; Peace and blessings on to whomever is reading, I am writing this letter in reference to the fallacious XXXX XXXX Inquiry discernibly furnished on my consumer report on XX/XX/XXXX. This fallacy came to my knowledge on XX/XX/XXXX and due to this fallacy and many others like it, I was discriminated against and refused for the following ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Increase In reference to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

At this moment, I am clearly and conspicuously notifying your organization of the fact that I have never consented to having any information being furnished on my credit report. Also, there is no law which states that I, as a consumer, is required to have anything reported to my credit report. In addition, due to the severity of the role that this organization plays in my livelihood, this fallacy has terribly affected me mentally, physically, emotionally, and spiritually. 

According to 15 USC 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Within the construction of this consumer report, there wasnt any regard for my right to privacy since I did not receive any adequate notice asking me for my consent to have this inquiry placed on my report. 

I beseech you to provide the evidence that this information was properly solicited as well as the details of your system used to determine if this inquiry actually transpired. 

In connection with 15 USC 1681 ( a ) ( 2 ), it is stated, An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Due to the deceptive furnishing tactics employed by your company, not only has my credit standing been damaged, but also my reputation as a consumer has suffered due to the inquiry placed on my account showing that I was not approved of the extension of credit. This has left me with societal, financial, and emotional damages which leaves your company liable to 15 USC 1681o. 

At this moment, I offer your company the right to rectify these infractions with the following actions

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Bankruptcy and it was only deleted off my equivalent report not XXXX  and transunion

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 2022-11-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have requested for XXXX to fix my personal information and DELETE ALL OTHER INACCURATE NAMES And addresses from My consumer report. This is inpacting important situations for my well-being. This company is in violation of The law title 15 USC 1681b ( a ) ( 2 ), A CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 
This company has knowingly furnished my consumer report with inaccurate information multiple times without having my wet ink, written instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up with Synchrony bank credit card through XXXX website in XXXX. The Synchrony bank has been charging me 1.6 % " Card Security '' fee to all my balances since the account was opened. I was not aware of such charge nor aware to elect such charges hence I consider this is an unauthorized charge item. I always paid my balance in full. Because Synchrony has not made it available for the complete record of my account, I calculated based on my own record that the balanced summed to be {$6000.00}, and unauthorized fees collected by Synchrony Bank is {$96.00}. 
Synchrony acknowledged the unauthorized charge, but only refunded {$31.00} upon negotiation. I am writing to report this unauthorization behavior for Synchrony and seek refund of {$65.00}. 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