vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
Equifax. Two months ago I filed online disputes with all three credit agencies because my student debt had been forgiven by the department of education two years ago, but was still on my credit report, seriously affecting my credit score. Call the Department of Education who said theyd notify all three bureaus.Ive been trying to buy a car and have to finance some of it. Finally found a vehicle and queried my credit scores. Score was fair with all three bureaus due to Equifax showing the debt still active. Their automated system said they had no dispute for me. Credit simulator said that if that debt was not still listed on my report my score would go up 30 pts to good, which has a significant impact on my ability to get a loan at a good interest rate. I could not access my account on Equifax, said forgot password, response was there was no account set up. Tried to set up an account two times, response was an account with my email address already existed. Finally tried to call them and was on hold for 58 minutes until I hung up, two minutes before they were set to close. Theres no way you can contact them by email unless you can access your account. When I called back today I was given the option of having my call returned. I was Told that I had login issues because I wasnt using XXXXXXXX XXXX and that my VPN was enabled. Suggested that if those were the requirements, they should be noted on the login page. Filed my dispute online and was told it could take up to 30 days for them to investigate it, then they would mail a letter to me about it. Its 2022 and theyre communicating critically important information to me by XXXX. Really? Until then, the debt remains on my credit report from Equifax and my score is low. Was told I could not expedite the dispute for any reason. 

Need to take delivery of a car today, but financing is based on my score of fair, which is totally related to Equifax. I will be forced to Take out a loan at a higher interest-rate. It shouldnt be this hard to get login help, Browser and VPN information should be on the login page, and I dont understand why they didnt process the loan forgiveness information from the department of education two months ago. I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
MB FINANCIAL SERVICES # XXXX is still reporting incorrectly on my credit report with a balance. This account has been dismissed in Court and should not be on my credit report/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CT

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: CT

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: VA

Complaint narrative:
On Monday, XX/XX/2022, I spent almost XXXX hours trying to correct a problem with my account at Equifax. Although I have removed a freeze from my account using the Equifax website on Sunday, XX/XX/2022, with the website confirming that the freeze was removed, XXXX XXXX XXXX XXXX was unable to pull my credit report for a mortgage application. Equifax told XXXX XXXX there was a freeze on the account. This was XXXX full day after I had removed the freeze. 

During my Monday call to Equifax, I was then told that there was a fraud alert on my account. I instructed the Equifax agent to remove that fraud alert at that time. 

The Equifax fraud alert clearly does not work because I have never received the call from Equifax when my account was accessed. 

Today, Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX again tried to pull my credit report for my mortgage application. Again Equifax told XXXX XXXX XXXX XXXX that there was a fraud alert on the account, thus blocking my credit union from obtaining my credit report. 

XXXX XXXX XXXX XXXX immediately contacted me. Equifax did not contact me. I signed onto the Equifax website which clearly indicated that my account did NOT have a freeze NOR did it have fraud alert. 

I have a screen print of the Equifax webpage showing this information and I provided this screen print to my XXXX XXXX, XXXX XXXX XXXX XXXX. 

It is so unfair that these credit reporting agencies can perform so poorly and disrupt the lives of consumers with no recourse or consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act 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 2022-04-12 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:
The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
XXXX  had a special that they will buy out of contract with XXXX XXXX to come over to them and they took all the info was needed and still direct tv charged me also sent me a slip to be shipped off to print out to send the equipment back and I did thru post office and they are saying they never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NJ

Complaint narrative:
my checking savings and credit builder account were all empty by way of theft i reported the incident and my claim was denied i liled a criminal complaint and still my clame for missing XXXX totalimg over & XXXX ive never been so insulted by the XXXX they handled my claim and the teason why they denied my claim was do ignorant please look into this issue for me the bank is chime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I'm a XXXX old XXXX female & sole owner of my home. I got several months behind in XXXX due to covid. My housemate could no longer help & I struggled to get him out so that I could get someone in to help me financially. I finally got him out in XXXX of XXXX & my son moved in to help. From XXXX of XXXX to XX/XX/XXXX, I made consistent payments until my mortgage co ( Fay Servicing ) sent that payment back & informed me they would no longer accept anymore payments until I paid the arrearages of approx {$7000.00}. I had no way of catching up until I could apply for assistance thru the XXXX Program. I called Fay & was told I could file for Loss Mitigation so on XX/XX/XXXX, I faxed over XXXX pages of documents from XXXX XXXX. Weeks later I was informed that the application itself wasn't filled out so on XX/XX/XXXX, I faxed over XXXX pages & haven't gotten any response on my application, only monthly statements saying how much I owe including lawyer, title search & other fees. I've checked XXXX XXXX application dates to file but saw notices that they weren't accepting applications yet. I did inform Fay Servicing that I was waiting to apply so I could get caught up with arrearages but got no response. Also, adding that I was told to fax & forward all documents relating to Loss Mitigation application to XXXX XXXX which I did. Now I owe over {$14000.00} & still no reply about my application. I've emailed them & get no reply. Lately they call, let it ring XXXX time & hang up. I'm going thru multiple testing procedures for XXXX  XXXX & the stress is XXXX XXXX XXXX because I'm scared of losing my home. I hope you can help get some answers. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT XXXX HAVING DELAY PROBLEM ISSUES WITH BANK OF AMERICAN NOT DEPOSITED MOBILE CHECK RECENT DEPOSIT IN THE PURCHASE AMOUNT XXXX DOLLARS SO I RECENT DEPOSIT MOBILE CHECK DEPOSIT INTO MY ONLINE BANK OF AMERICAN ACCOUNT THEY RECENT CREDIT CHECK CLEAR AMOUNT INTI MY BANK OF AMERICAN CHECKING ACCOUNT WITHOUT OVER DRAFT PROTECTION SO BANK OF AMERICAN CREDIT THE XXXX CHECK ENCLOSE FUNDS INTO MY CHECKING ACCOUNT THEN THEY WITHDRAW RETURN THE FUNDS BACK FROM MY CHECKING ACCOUNT I HAVE ON FILE RECORD STATUS WITH THEM BANK OF AMERICAN CUSTOMER SERVICES CALL CENTER NUMBER XXXX SO THE BANK OF AMERICAN CONSUMER CUSTOMER HAS SENT BANK OF AMERICAN CORPORATE OFFICE SOMETHING IN WRITING ABOUT THE BANK CUSTOMER AGREEMENT TO CLOSE HIS CHECKING ACCOUNT WITH BANK OF AMERICAN BECAUSE BANK OF AMERICAN HAS VIOLATED MY RIGHT MORE THAT ONE TIME WHEN ITS COME TO ACCOUNTING FINANCIAL PERSONAL NEEDS SO AFTER BANK OF AMERICAN REFUSE TO CREDIT FUNDS BACK INTO MY PERSONAL CHECKING ACCOUNT I CONTACTED THE CLAIMS DEPT DIRECTLY THEY ASLO REFUSE TO HELP ME AS WELL I DID CONTACT FDIC ABOUT CHECKING ACCOUNT INSURANCE POLICY ON WHEN U BORROW LEND AGAIN YOUR CHECKING ACCOUNT POLICY IN STANDING SO I RECENT DEPOSIT 3 PERSONAL CHECKS INTO MY BANK OF AMERICAN CHECKING ACCOUNT BANK OF AMERICAN ARE REFUSING TO RELEASE MY FUNDS INTO MY PERSONAL CHECKING ACCOUNT IM DONE DOING BUSINESS WITH BANK OF AMERICAN THIS TIME

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 2022-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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