vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-17 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: DE

Complaint narrative:
I am a natural person, I am a living human being, I have rights under the 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-17 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: SC

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 XXXX XXXX XXXX XXXX : XXXX XXXX XXXXT 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 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 2022-10-17 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: SC

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 XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-10-17 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: MS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXXXXXX XXXX  Account # XXXX {$25000.00} XXXX XXXX Account # XXXX {$12000.00} XXXX XXXX  Account # XXXX {$16000.00} XXXX XXXX Account # XXXX UNKNOWN INQUIRIES : XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXXXXXX XXXX  Account # XXXX {$25000.00} XXXX XXXX Account # XXXX {$12000.00} XXXX XXXX Account # XXXX {$16000.00} XXXX XXXX Account # XXXX UNKNOWN INQUIRIES : XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was a victim of a scam. I attempted to explain this to the card company before the payments were behind and the were rude, non-believers, and made fun of the situation. Now I am getting an extreme number of calls from them, over 50 so far just this month. It's XXXX XXXX  and they've already called 4 times today. I feel completely and totally harassed by them and they are causing me extreme XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Affirm Holdings, Inc
State: ME

Complaint narrative:
I took out a loan with Affirm to purchase a ring on XXXX XXXX. The Ring did not arrive by XXXX XXXX can cancelled the ring .XXXX  was the company selling the ring. XXXX XXXX shipped the ring on XXXX XXXX. I did not receive the ring till XXXX. I returned the ring as it was cancelled. The Ring was shipped via XXXX  I have the return packaging. XXXX realized it made a mistake as it's driver forced my XXXX XXXX XXXX to sign saying it was a XXXX Gift and your dad would be mad. XXXX XXXX XXXX can not sign contracts. The Ring was returned to XXXX XXXX and then Affirm charged me .No ring .Just a bill. I complained for 4 months. I had a XXXX on XXXX XXXX. My XXXX  child was XXXX. I am XXXX  XXXX. Affirm did nothing to investigate.I have documented evidence in a letter that Affirm lied and XXXX XXXX  lied to the California Attorney General saying they shipped the Ring on XXXX XXXX. The XXXX box shows the date 1week later. I complained to you the FDIC., And multiple agencies in the US govt. No one did anything .bNiw fast forward. My credit has been ruined for almost 4 years and XXXXXXXX XXXX XXXX XXXX XXXX was one of the companies that underwrites the Affirm loan. They said that they have nothing to do with the Affirm loan but just recently I had a loan cancelled by XXXX because of an internal review by XXXX XXXX XXXX The Affirm loan went on my credit report after a XXXX article about single sale financing. I want the Affirm loan removed from my credit report and I want XXXX XXXX to stop hiding behind underwriting status when they know a bank or lender screws up like Affirm but then be an internal reviewer for XXXX you can not have it both ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
hello i was reaching out to see what else i can do, someone took all of my personal info from my car and used my personal info debit cards and social to open up accounts and also put fake checks into my account that's preventing me from being able to open an account and also ending my relationships with my bank I've been at for years. i called complained and did so much more and still haven't got an answer i even asked could they look at cameras to see if they see the person doing this to me i am very upset this is taking over my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my Law enforcement report from the Federal Trade Commission. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
Took credit for refunded item away after investigation. Payment was never returned to my account. Also, {$1700.00} was added to balance and the bank can not tell me what the charge is for. A total of {$4400.00} is the amount disputed and has not been reconciled for the last four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed : {$170.00} Account Number : XXXX I'm writing to inform you that at the moment I don't want to pay for this so I refuse. Please cease and desist all communication and Thank you for reaching out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I originated this loan on XX/XX/XXXX my first due date was XX/XX/XXXX. My monthly payment is {$1400.00}, I made the first payment for XXXX XX/XX/XXXX for XX/XX/XXXX due date in the amount of {$1500.00} the company applied the payment but never rolled the due date to XX/XX/XXXX they applied it to 9 days of interest ( XXXX ) and the rest to principle. 2nd payment was made XX/XX/XXXX for the XX/XX/XXXX payment this payment was applied to XX/XX/XXXX actual due date. I made the 3rd payment on XX/XX/XXXX for XX/XX/XXXX in the amount of {$1400.00} they applied this payment to the XX/XX/XXXX. My intent in making these payments early has been to be ahead on my due dates. I called customer service on XXXX and spoke with a customer service representative and he did not understand why or how the payments were applied and why the due dates did not roll after each payment made. He opened up an escalation case of research and their response was they apply payments the day they receive them, and it only pays for interest through the date paid. Basically, if I make my payment ahead, I will still be due for the same payment again that month. I asked them to reverse the payments and apply them to the actual payment due dates making me due for XX/XX/XXXX. The company said that's not how they apply the payments, and I am still due for the XX/XX/XXXX. I asked for a higher escalation and received the same response. I reviewed my promissory note, and it states partial prepayments would apply to interest, fees, and principle however I made 3 full payments. The logic and application of payments by Upstart does not make sense a consumer can't ever get ahead on payments even with a 60-month amortization schedule they provided. I am asking for your agency to get involved I am not in a financial position where I can continue to find {$1400.00} to make 2 payments in a month because their accounting method is not accurate. I was recently laid off and my income is limited. Your help with this matter is greatly appreciated. Please see attachments. Failure to receive an appropriate response to this problem has prompted me to write directly to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I didnt get my front line worker money and they sent me an email saying there was wrong with the 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
Consumer complaint received 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
I have filed a complaint about this company previously, and no resolution was actually provided. However, now new information has come to light that the company that I bought the Solar panels from, for which I took the loan out, has gone under and closed its doors and is being investigated for fraud - as I expected they would. It is also my ( limited ) understanding that all of the lenders are being investigated for their involvement in the scheme. I want this loan wiped out and all payments made thus far refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I was scammed out of {$750.00} through Zelle because the scammer messaged my friend and I on XXXX saying they could sell us concert tickets we were in the market for. After the money was sent, they blocked both my friend and I on XXXX and the tickets were never seen. I later called XXXX XXXX to try and file a claim and nothing has been done since. {$750.00} is a lot of money and not something I can just be okay with disappearing

Company response to consumer: Closed with explanation