vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
On XX/XX/2020 I sent Equifax a letter informing them that they are reporting inaccurate information of a account that is not mine. ( XXXX XXXX XXXX  ). I asked them to plz validate the information with XXXX and to send me any documents that will prove that it is my account. ( Plz see Ex-A ). 

On or around XXXX of XXXX I sent a 2nd letter to Equifax to solved the problem that they are reporting fraudulent inaccurate information on my credit file. ( Plz see Ex-B & Ex- ( b ) ). 

On XX/XX/2020 I sent Equifax a 3rd attempt letter demanding them to delete the unknown accounts that they are reporting also to send me the method of verification they used for the despute. ( Pls see XXXX, XXXX ( c ) and XXXX- ( b ) ). 

Too date, Equifax is still reporting the above fraudulent/inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Received a texted on XX/XX/22 stating order placed placed for item through XXXX and {$550.00} would be auto deducted from my card. Not me to call number provided. I clicked on number to say I did not make the purchase. Number was answered by a person claiming from XXXX. Was told had other charged amounts that I said did not make as well. And was told hackers got my account information and was using unauthorized. Person had me create some XXXX  names and money transferred to them. Saying putting amounts on XXXXXXXX XXXX servers to remove hackers and assured me that I would be refunded my money. This took place XXXX. On XX/XX/22 all corresponding stopped and I realized I had been scammed. I contacted XXXX and my bank that day. My bank accounts had holds placed on them and I got new accounts. XXXXXXXX XXXX attorney for their customer protection and enforcement team responded to me saying I had been a victim of an online scheme by persons posing as XXXX employees. Her team started an investigation as well as an outside investigator XXXX uses in fraud cases. 
My bank disputed the XXXX transactions and XXXX transfers. However, the bank 's initial research determined valid transactions. Which I was tricked into making by the scammers using false representations to get people to unknowingly authorize money transfers. The total amount of multiple transfers was {$7900.00}. 
I filed a police report on XX/XX/22 as well. 
I have written and sent a letter to the bank on XX/XX/1922. Asking to reevaluate and explained more of being the victim of an online social engineering scheme/scam. As of XX/XX/XXXX, I have not heard back from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according 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. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX and all remarks Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove these accounts from my credit report. I have provided federal laws and as a federally protected consumer, I expect this to be handled accordingly. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested this loan for Solar panel which does not work. XXXX XXXX XXXX has now closed and does not support the system. Since I got installed I continued to pay the light bill and the loan from good leap in which I cant afford. I am paying a loan of $ XXXX monthly and light bill which is the same amount. I want this loan dismissed and these solar panels off my roof! They claimed it was fixed but its a lie! I'm still not seeing enough energy produced to sustain my house like I was promised when they installed the solar panels. This loan is for 25 years for a system that does not work! They said I was going to receive compensation for the time I called to when they claimed they fixed it and when I called they said it was no longer being given. They literally waited for the tech to come to send that letter that I was not going to get reimbursed. 

This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: T.S. Holdings
State: NC

Complaint narrative:
I filed a complaint with the CFPB that The company IQ data is reporting incorrect information on my credit reports ( XXXX, XXXX XXXX XXXX ) by law the company is supposed to respond to my inquiry within 5 days acknowledging that they have received the complaint, this was sent to the company on XX/XX/XXXX it is now XX/XX/XXXX and the company reporting IQ Data has not acknowledged they have received my complaint I ask that this incorrect account be permanently BE REMOVED/DELETED from all 3 credit reports IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: DISCOVER BANK
State: GA

Complaint narrative:
DiscoverBank Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to XXXX XXXX XXXX This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XX/XX/2022, sold premises. Received payoff statement from Select Portfolio Servicing which confirmed at closing by title company. Payoff check sent to SPS.. XXXX. SPS confirmed received XXXX. SPS paid from escrow on XXXX insurance due XXXX and real estate tax on XXXX due XXXX neither disclosed on statement or confirmation. Insurance cancelled on XX/XX/2022 and payment and per diem refunded to XXXX. 
Tax payment made by title company and duplicate payment returned to SPS. SPS refused to issue satisfaction of mortgage and is paying excessive insurance each month as well as paying real estate taxes and will not return duplicate payment. SPS received full payment of mortgage. 
With the return of the duplicate tax payment SPS had money in escrow. SPS continues to run up blll for payment of insuance on property paid off and pay property tax which new lender is paying. Lender not about to commence foreclosure action on mortgage fully paid off. Spoke to SPS and they refused to stop paying insurance and real estate taxes or state how much was in escrow when they received the payoff payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist took {$2500.00} from our checking account, which created a negative balance. Truist then charged us three different overdraft fees. We started a fraud claim because we thought the withdrawal was fraudulent. We spoke with three different people and one of them researched the withdrawal and figured out that it was someone at Truist. They tried to XXXX that person but they were unavailable. The person who was helping us then went on vacation. The next person we talked to told us it was a force payment on our equity line. There is no credit to the equity line and no reason for a force payment ( we pay down our equity line every month and have since it was opened ). We have since tried to get others at Truist to fix the problem with no success.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My account was closed around XX/XX/2022 with out my knowledge when I have XXXX percent payment history and always payed my bill on time. 

I just recently had a family member pass and I asked for helped regarding my minimum payment and was told there was nothing they can do if a certain minimum amount was not made. When they could help me with a lower APR, lower monthly minimum etc. I only found out my card was canceled when attempting to schedule a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: DC

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: DC

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 an account without my 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 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : Inquiries XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Late Payment XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: MA

Complaint narrative:
XXXX XXXX is responsible for my mothers reverse mortgage.My mother passed XXXX XXXXMy siblings and myself are on the deed.XXXX has not been willing to share any info on the status of the loan.My mothers death certificate was sent.A third party authorization form was submitted.They still won't release any info.I have requested a 3 month extension to sell the house.The necessary info has been emailed to XXXX 3 times.Their site states if any other info is needed that they will contact you.Every time I call they tell me they can not release any info to me.XXXX XXXX is the 6 month grace period.I need to know if they will just show up to claim ownership.Both my sister and I have spoken on the phone to their representative numerous times.Today the rep asked if I had gone to court to establish right to know.Never heard this before.Was instructed to submit third party authorization form for release of info.Was also told to resend all info a couple of weeks ago. Can not believe this company was hired by hud.They should not be involved in any reverse morgages.Original reverse mortgage was thru XXXX XXXX XXXX.Have been sending info since XX/XX/XXXX to XXXXCan they just show up to claim ownership? Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
On XX/XX/2022, I was notified of a hard inquiry on my credit report from XXXX XXXX XXXX that I did not initiate. I called Experian and notified them of this on XX/XX/2022. Experian placed a Fraud Alert on my account. I have also called XXXX XXXX XXXX  to let them know that this was not me and to make sure that the credit card account is not opened.

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 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I paid several accounts in full. One was XXXX in which was an installment loan and the account being paid in full naturally the would close the account. Transunion shows it closed but because of it negatively impacted my credit score and dropped it over XXXX points when my credit score should have went up because of good faith payment. Same with XXXX and XXXX. This goes against fair credit reporting act and should not impact my credit score negatively but it does. I tried to have them fix it and they flatly refused.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid two payments of {$25.00} and {$20.00} dollars equaling to {$45.00} dollars. Yet, Kohls credit card still posted on my credit report late payment of {$40.00}. Which, I should be in good standing. I want late payment removed because I made payment within grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: KY

Complaint narrative:
On XX/XX/2022, an interest rate was locked with Sun West Mortgage company for a borrower. On XX/XX/XXXX, without prior notice, Sun West unlocked the client 's rate and required that we re-lock the rate. The client had already signed the rate lock agreement. After asking that Sun West re-lock the interest rate based on the signed agreement, we were informed that they refused to re-lock the original rate. They insisted that I re-lock the rate even though they refused to give any prior warning. Sun West has very unprofessional business practices when the borrower or mortgage broker has done nothing wrong. This is an unethical business practice and should be illegal. Sun West has failed to put the consumer 's best interest first with their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
XX/XX/22 {$400.00} ( almost my whole savings ) was sent from my XXXX XXXX savings accounts via Zelle. I dont know how this money was sent, as I barely even use this account its only a saving account for me. I called my institution ( XXXX ) who said they can not help me even tho it was fraud and I did not authorize this payment. I need a resolution, this cant be right and that easy of a way for scammers or thieves to take your money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my 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 non-monetary relief