vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Over a year ago I had attempted to secure a payment plan option with a firm submitting a application that was denied therefore there was no account created in my name. Fast forward to date XX/XX/21 my mother had filled out an application to secure a payment plan option through Affirm for a tire purchase made from XXXX. Soon after my mother acquired the payment plan, I downloaded the XXXX app to keep check on my credit and noticed there was an account for Affirm on my report. I had checked with my mother to make sure this was not her doing. She does not have my social and confirmed she did not use my information. I had reached out to a firm at least 10 times since and has received little to no help and absolutely no resolution. I had a very astonishing conversations varying from " this isn't our fault '', " there is nothing we can do '', '' this account doesn't belong to you so we can't disclose information but also can't say its not yours ''. I have also tried contacting XXXX and have had no luck. I have submitted a police report. I have submitted affidavits. After every submission this company has either due to lack of evidence deems me responsible for a affirm account not in my name that is tied to a loan that is not in my name. ALL THEY HAVE TO DO IS CALL THE COMPANY TO VERIFY WHOSE ACCOUNT IT IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX Bal : {$9400.00} XXXX. XXXX CARD ACCOUNT # XXXX BAL : {$3200.00}

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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE XXXX SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL. 

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES.

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/

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 2022-08-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE XXXX SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL.

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES. 

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: GA

Complaint narrative:
I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE EXPERIAN SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL. 

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES. 

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXPERIAN IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/

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 2022-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XX/XX/2022, Experian blocked access to my online credit report and score. However, access to my score is available to every credit card associated with my Experian account. To illustrate, please find attached an Experian screenshot showing what it is being shown to me each time I am trying to have access to my online file. 

I have been calling Experian insensately since XX/XX/2022, to get this matter resolved to no avail. 

As a result of my constant calling, on XX/XX/2022, I received an email from XXXX XXXX from the Experian Care Team asking me to call a number and giving me specific instructions to follow which I have done to no avail. Please find a screenshot of such an email. 

Today I spoke to three Experian representatives seeking to resolve the matter one more time, XXXX, XXXX, and XXXX who did nothing, and finally, XXXX hang up on me. None resolved the matter.

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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX, I came into an agreement to have my backyard done by XXXX XXXX XXXX. XXXX XXXX, the owner, advised that he could offer me better price than those out there for the same service. He advised the deposit was {$4700.00}, but I told him my husband and I will pay in portions since we were paying by XXXX for tracking purposes. XXXX - {$1000.00} XXXX - {$2000.00} XXXX - {$1700.00} My husband and I have reached out many times via calling/texts. He even started our backyard but did not finish and definitely has not communicated with us on the balance of the work. We have endless texts to him where he made promised, but nothing. We asked for a refund on XXXX, he advised he will give it to us on XXXX. Never heard from him. My husband and I kept calling him to find out when we are getting our refund. He said he would give it to us on XXXX. He has not answered any calls/texts. 

Bank of America won't return funds because was done through XXXX  however I feel like that's not fair. XXXX should have the same securities as a credit card.

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 2022-08-09 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

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 2022-08-09 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
WE ARE REQUESTING ALL DOCUMENTATION FROM XXXX XXXX  TO INCLUDE PAYMENT LEDGER RELATED TO THE FOLLOWING ADDRESS AND INDIVIDUALS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE MORTGAGE IS CONNECTED TO THE FRAUDULENT XXXX XXXX LOANS TAKEN OUT BY XXXX AND XXXX. XXXX CURRETBLY SERVICING 15 FEDERAL SENTENCE FOR DEFRAUDING BUYERS, STAGING FRAUD CLOSING AND MORE. 

NUMBEROUS LOANS WERE TAKEN OUT BY XXXX XXXX AND PARTNER XXXXXXXX XXXX WHO THEY PAID A PORTION OF THE PROCEEDS. THE XXXX WOULD BRING THE LAWFIRM NEW CLIENTS UNDER THE PRETENSE THERE HOME WAS GOING INTO FORECLOSURE WITHIN 24 HOURS WHICH WAS NOT TRUE. 

OUR INFORMATION WAS USED BY THESEE INDIVIDUALS TO TAKE OUT FRAUDULENT MORTGAGE LOANS UTILIZING OUR NAMES AND CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
In accordance with 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 A. Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have asked for a debt violation time and time again. Pursuant to 15 U.S.C 1692 ( b ) upon receipt of this rescission i am not liable for any of these charges because there is no violation, and this account has been charged off which i have not benefited from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NV

Complaint narrative:
Companies continue to traffic my non personal information. I have reached out to CEOs of XXXX, XXXX, XXXX XXXX. I have put XXXX, XXXX, Experian on notice of the fraud. It has been over 90 days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, XXXXXXXX XXXX, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.

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 2022-08-09 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: TX

Complaint narrative:
I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX  due to how I am being perceived due to these negative items.

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 2022-08-09 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: TX

Complaint narrative:
I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX due to how I am being perceived due to these negative items.

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 2022-08-09 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: Maximus Federal Services, Inc.
State: NJ

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 USC 1681.

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.

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 1681 s-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. 


Aidvantage student loans- Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
On this day XXXXXXXX XXXX  I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1681 ( a ) ( 4 ) The collection which I am speaking of are from a source called ( XXXX XXXX  ) and ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My husband and both received debit cards in the mail from Capital One for checking accounts we didnt open. When I contacted Capital One, they stated that XXXX checking and XXXX savings accounts were opened so XXXX accounts total. The only information about the creator they would give me is that they tried linking an XXXX account to my checking. I spoke with XXXX who said that someone tried to create a seller account using my email but the email was never verified. 

Acct XXXX for husbands card : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: PA

Complaint narrative:
A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to XXXX XXXX TRANSUNION XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the 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 non-monetary relief
Consumer complaint received 2022-08-09 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: PA

Complaint narrative:
A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to XXXX XXXX XXXX XXXX EQUIFAX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: OH

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 United States Code 1681a ( XXXX ) You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 United States Code 1681a ( XXXX ). You did not exercise your grave responsibility, you were unfair, you were partial. I am filing a CFPB complaint, and shortly I'll be filing an Attorney General complaint. You never had a permissible purpose Under 1681b ( XXXX ). I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I was impacted by the data breach and my credit scores have suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This company NCB Management has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe XXXX company Ive never XXXX any contracts with NCB Management .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: GA

Complaint narrative:
XXXX XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.

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