vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account number ( XXXX ), XXXX  account number XXXX XXXX ), XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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 2023-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
I recieved mail dated XX/XX/XXXX from Phoenix Finacial Services attempting to collect debt owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$1200.00} for Date of Service XX/XX/XXXX,. I am not familiar with the debtor on any Date of Service rendered by XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I contacted XXXX XXXX XXXXXXXX XXXX XXXX after finding them online. They indicated that there was no account under my name with my date of birth. They also indicated that they do not work with Phoenix for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XXXX my husband and I bought a house in Florida with an 80/20 loan from XXXX. 
Our house dropped in price drastically, so we had to file for bankruptcy. 
XXXX  XXXX XXXX did a refinance and which at the time we thought it included a first mortgage and line of credit. 
We have been current for over 12 years on our first mortgage. 
Two years ago, we received a notice from Specialized loan Service company saying we owe approx. {$120000.00}. ( $ XXXX LOC, $ XXXX interest and $ XXXX in other fees ) We told them the {$50000.00} line of credit was tied into our bankruptcy that we had thought was included in the loan modification. 
They stayed silent for 10 YEARS all while letting $ XXXX of interest and fees accrue. They just now let us know that they want to go after our house since it now has equity. 
If we would have been given a notice, we would have made sure everything was paid from the start. 
We have been trying to settle with them for a reasonable amount for almost a year with no real chance to save our home. 
My husband and I are in our XXXX and we are also the caretakers of my XXXX mother who has extreme medical conditions. 
Their options for us are to pay the {$120000.00} upfront or a loan modification by paying {$25000.00} upfront and 10 % interest on the total of {$120000.00}. 
This problem has caused much stress in my work and personal life and its starting to affect my physical health. 
I hope there is something the CFPB can do on their end as I feel like what they are doing is predatorial. 
Thank you for taking time time to read this message.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX XXXX # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with XXXX XXXX. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied. 

What is more concerning is the fact that XXXX XXXX has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with XXXX XXXX. 

Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay. 

I hope that this matter can be resolved as soon as possible, and that XXXX XXXX takes necessary measures to improve their service and customer satisfaction. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. 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 2023-02-23 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: FL

Complaint narrative:
PLEASE NOTE, THIS IS A NOT A DUPLICATE COMPLAINT, THIS IS A COMPLAINT CREATED BY myself with no third party involved. 
I have submitted my dispute to TRANSUNION CREDIT BUREAU numerous times as ONLY TRANSUNION HAS REPORTED THIS PUBLIC RECORD ON MY ACCOUNT. 
I'm asking TRANSUNION TO VERIFY THIS ACCOUNT - XXXX  XXXX Bankruptcy Reference number : XXXX, I BELIVE THE VERIFICATION PROCCESS REQURED THEM THROGH ORIGINAL CREDITOR OR ORGANIZATION WHO IS HOLDING THIS INFO. AS FROM MY UNDERSTANDING IT SHOULD BE A COURT, I have sent my request to the court and also I have requested my credit REPORT FROM XXXX  REPORT, I have received a letter from the court that I have previously provided to TRANSUNION AND I '' M attaching this letter here again together with report from XXXX, none of these organization could verify that account as my account, there is no record indicated on my profile. AND ONLY TRANSUNION HAS REPORTED THIS PUBLIC RECORED ON MY CREDIT HISTORY. 
I believe according to FCRA law if account can't be verify IT MUST BE DELETED. Verification must be with original creditor who placed that account or record.

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 2023-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA XXXX XXXX XXXX All made Hard Inquires on XX/XX/2023 2023

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 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX around XXXXXXXX XXXX. I received a call from XXXX Wells Fargo about " fraudulent '' activity on my account. The person identified them self as XXXX XXXX employee number XXXX. XXXX " scammer '' reviewed 15 transactions as various locations/vendors in Texas. I confirmed I did not have a transactions matching the described activity. XXXX than confirmed a recent deposit in my personal account shared with my mother. They gave the amount and who the deposit was from Social Security. They said the had identified the perpetrator as a XXXX XXXX XXXX. They asked if I wanted to press charges and I said absolutely yes. He, XXXX said my accounts would be frozen and or closed for pending investigation. On XX/XX/XXXX I logged into my XXXX account and saw many transactions and became very suspicious. The same person and number called back around the same time of day. He said he was calling to give me my new account number. New Account # XXXX. I then said I wanted to call back the number to verify his information. He agreed. I called the same number and reached a Wells Fargo representative who I believe identified herself as XXXX. XXXX asked XXXX for his XXXX number (? ) he gave her XXXX. She said she could not verify him. I said okay I will go to a branch to verify. He stayed on the line while I was driving and then as I entered the bank dropped the line. I was informed at the branch that I had multiple cash advance attempts on my personal credit card that had been declined and a cash advance on over XXXX on my business account as well as two wire transfers one from each account both for XXXX. The first wire was to XXXX XXXX to XXXX XXXX XXXX from my business account and the second was from my personal account to XXXX XXXX XXXXXXXX for XXXX XXXX XXXX. I contacted my financial advisor who helped me contact the fraud department to open a case for all of the activity.

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 2023-02-23 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: Monterey Financial Services LLC
State: MO

Complaint narrative:
I bought an item from Monterey Financial and it was 90 days same as cash and I paid it off in one month and they reported it as a charge off because they charged me an extra {$36.00} and I called and complained and they had to correct it and then the correction they consider the {$36.00} that they made a mistake with a charge off and XXXX will not change my credit score to paid in full even after I have sent them all the documentation proving it was paid in full and never a charge off. I have talked to XXXX. They will not change it and have given me the runaround. XXXX XXXX and XXXX, or reporting my credit correctly, but XXXX will not change it no matter how many investigations they have done, and no matter how much information I have sent them to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I inadvertertently transferred more than {$3500.00} from my savings account to my credit card account linked on the Bank of America website instead of my checking account. I have a positive balance of {$3500.00} and every time I call to have this returned to my checking account I get a different story of how long it will take. First person said 10 days. I asked for an escalation and was told to even get into the escalation process it would take at least 5 days. It has now been two weeks and the next call I was given i was told it could take up to TWO billing cycles to return my money... up to 60 days. 

This represents an entire paycheck. This has made it so I am now late in paying my mortgage and my credit rating is going to take a big hit. I am stressed and can not sleep well. 

Please tell me there is a recourse to get Bank of America to do the right thing.

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 2023-02-23 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: AZ

Complaint narrative:
I'm a victim of identity theft. Pursuant to section 605B you must remove the fraudulent addresses and accounts. I've atttached FTC filings, drivers license, SSN and a utility bill to prove my identity.

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 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXX and XXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and XXXX 

XXXX XXXX : Account XXXX XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, XXXXACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXX XXXX Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXXXXXX XXXX  XXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and FACTACT. 

XXXX XXXX  : Account Number XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX Service regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-23 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: FL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CT

Complaint narrative:
So on XX/XX/2022 I saw a lot of hard inquiries in my Equifax which got my attention and my score drop a lot so I wanted you guys to help me with this problem due that I wasnt aware of all those inquiries. 
The companies were XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and lastly XXXX. 
They were all in the month of XX/XX/2022. 
Now Im my XXXX XXXX also saying I have 28 hard inquires which is crazy, Ill attach all of them in the pictures, this is so sad for me is not helping me for my future, I just wan na have a good score and be normal. 
Hope you guys can help me

Company response to consumer: Closed with explanation