vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
The company is XXXX XXXX working for " Check N Go ''. They have called me every day for a month repeatedly claiming to be a process server. They threaten to come to my home NOW. They ask for money. I asked for details in writing and they refused. I explained it is not on my credit report and they said " it wouldn't be ''. They are harrasing gme constantly with abusive language. Today XX/XX/15 they called 5 times in a row at XXXX claiming they were on their way to my home and to have my ID ready or they will pound down the door.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Fleet Financial, Inc.
State: CT

Complaint narrative:
I was refinancing my XXXX XXXX XXXX through ilending Direct and signed off on all my paperwork and they are a loan broker who works with various lenders to get approval! They got approval sent me all the paperwork, I reviewed and accepted the loan offer, this was approximately 3-4 weeks ago! They assured me at that time my current loan would be paid off so that I would not have to make a payment to the current lender, yet here we are almost as I said 3-4 weeks later and the new loan has not been funded and my payment is coming due with my current lender. I have contacted ilending several times about this and they keep advising that the lender is behind in funding loans, I have advised that my current loan payment is coming due and I need this loan funded as I was told so that I am not making the current payment and then have to make another payment in 2 weeks to the new lender! I spoke with them again today at XXXX XXXX XXXX  Thursday XX/XX/2022 and still do not have any answers! I am making this complaint because I have yet to be funded on the new loan and not getting satisfactory help from the lending broker who brokered the loan and really need this taken care of so not to mess up my current credit score because they are not handling this situation completely! Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX  and XXXX XXXX XXXX  Account number : XXXX 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.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.

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 2022-09-15 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX and XXXX XXXX XXXX Account number : XXXX 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.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I just went through a bank merger from Peoples United to M & T bank. Upon access to my new online account, I discovered incoming ACH payments are displaying the senders social security number. 

I tried calling them but I can not get through on the phones because they are flooded with issues related to the merger.

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 2022-09-15 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: MI

Complaint narrative:
I have one legit account with XXXX XXXX Credit card company. 
There is a second one that is not mine. 
I have notified TransUnion twice and disputed. 

They reply its mine and it is not.,

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 2022-09-15 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: Portfolio Recovery Associates, LLC
State: NC

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  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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through Equifax 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: FL

Complaint narrative:
On XX/XX/2021, after I pulled my credit report, I found out multiple accounts on my credit report that were not mine, the following frivolous accounts are not mine and I need it to be remove from my EQUIFAX file. I am trying to reach out the CFPB now because, out of nowhere on my updated credit report, the collection name XXXX XXXX XXXX XXXXXXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) ", came up. I really need them to be remove from my report, the mentioned accounts was never mine and I never opened, I am not the debtor of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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:
TRANSUNION THIS IS A FACTUAL DISPUTE you have my account blocked due to a disputed case { not sure if that's legal } anyway on my XXXX XXXX report you state I have 2 collections XXXX and XXXX show none Please remove all collection you are showing as per the other credit reporting companies enclosed are there reports stating NO COLLECTIONS please do the same

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 2022-09-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We hired XXXX XXXX with XXXX XXXX and design to remodel our home. He gutted house and left with two payments we didnt receive work or product for. 1st one XX/XX/22 in amount of XXXX for cabinet ordered and framing paid for XXXX paid on XX/XX/22 that we never received. We have tried hiring attorney but its a lot of money. We filed complaints with XXXX  and filed report with XXXX report number XXXX. 
All of his licenses with Florida State addresses are phony. They wont answer attorney or our calls. We have documents of products not received. We are wanting to see how we can reverse our wires.

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 2022-09-15 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: OH

Complaint narrative:
Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report. 

Inquiry : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account : XXXX XXXX  DATE : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: CO

Complaint narrative:
Told collectors to ceast & desist on XX/XX/XXXX after multiple calls to my work phone from XXXX all tran financial

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 2022-09-15 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: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX has posted XXXX Inquires in days on my report not authorizing any permission to do so FCRA Section Code 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 my wife 's debit card account was compromised by scammers. My wife never gave out her password nor did she ever lose her card. Her account was linked to our joint checking account. They transferred {$10000.00} from our joint account to her debit card account. Then they withdrew more than XXXX individual withdrawals of {$39.00} on some sort of an XXXX XXXX card. We notified Wells Fargo bank of the fraud before they ever contacted us. My wife does not have nor has ever had any kind of XXXX XXXX. The accounts were with Wells Fargo Bank and we have tried to get our money back through Wells Fargo. They have insisted that my wife actually withdrew the money and therefore Wells Fargo will not return our {$10000.00}. There is no evidence that they have provided to back up the fact that they insist we withdrew the money. 
I will be happy to provide more detailed information if it is requested.

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 2022-09-15 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: MI

Complaint narrative:
I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through XXXX 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.

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 2022-09-15 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: Navient Solutions, LLC.
State: AR

Complaint narrative:
My student loans with Navient have been charging increased interest while decreasing my principal payment. This is despite the hiatus for interest that has been identified by the federal government. I have continued to pay an increase amount every month. I am attaching a copy of the account history provided by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with ServiceMac numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by ServiceMac 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.

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