vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX, ACCOUNT # XXXXXXXX XXXX XXXX  Account # XXXX DEPT OF ED / 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 2022-06-01 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: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report

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 2022-06-01 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: CA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report

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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have reported this type of occurance of fraud on Wells Fargo debit card checking account and my allegations include corruption and collusion with major stock holders and XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX and XXXX people internally at Wells Fargo XXXX XXXX fraud department. Due to the events that I have already reported in my previous calls and reports to XXXX XXXX XXXX XXXX Customer Service at Wells Fargo and my emails to FBI. Once again today, there was a reordering and reposting of authorized pending transactions. On XX/XX/XXXX I made a purchase for either {$4.00} or {$4.00} at XXXX XXXX and that left {$0.00} in my account. I verified my account balance yesterday from the phone in my hotel room that seems to be monitorired or tracied dialed and yesterday that verified my balance from XX/XX/XXXX and also XX/XX/XXXX. This morning there was either a balance of - {$2.00} and h there was not any {$3.00} charge from any service fees or debit card transactions on. Someone either deducted and changed the balance of my account through reordering of my transactions from what appeared to be either hacks on my RFID cards as I cut up my XXXX bank card yesterday and also while I was at Wells Fargo today I cut up my debit card ending in XXXX. This fraud the same fraudulent occurances on my wells fargo account has occured multiple times in many years and evident from people I have also reported as part of other FBI investigations and Social Security XXXX proceedings that include the XXXX named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX of Wells Fargo himself and or others internally at Wells Fargo Fraud department people in the payments industry and people I networked with that hacked my computer and passwords accessing my accounts. There were ID theft issues from Wells Fargo that got wrapped up previously but they have not fixed their fraud problems. THIS CONTINUES TO COMPROMISE MY SAFETY AND SECURITY AND HAS ALSO CAUSED MORE HACKS ON MY PERSONAL DEVICES INCLUDING MY XXXX AND COMPUTER THAT IS A RESULT OF MY REPORTS TO FBI AND XXXX AND MY EMAILS AND LEGAL NOTICES TO XXXX XXXX XXXX, CHAIRMAN OF XXXX. THESE ALLEGATIONS ALSO INCLUDE THAT PEPOLE LIKE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AND OR THEIR AGENTS AND HIRED TECHNOLGOY CONTRACTORS OR AGENTS ARE ALSO INVOVLED FROM MY PURSUIT OF MY OWN BUSINESS IDEAS THAT I CREATED THAT I OWN THE I POSTED ON MY XXXX PAGES. THEIR HACKS AND FRAUD ON MY ACCOUNTS ARE VERY CONCERNING GIVEN HOW MANY TIMES THIS HAS OCCURED AND EVERY TIME REPORTED TO WELLS FARGO AND XXXX TREASURY CFPB, PLEASE MAKE SURE XXXX XXXX IS AWARE OF THESE AND ALL REPORTS I HAVE SUBMITTED REGARDING MY WELLS FARGO ACCOUNTS AND MY XXXX AND XXXX ACCOUNTS. REGARDS, 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 2022-06-01 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

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 2022-06-01 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: TX

Complaint narrative:
On XX/XX/XXXX I checked my Equifax Credit report and found several inquires on the same date that I did not initiate or authorize. I contacted Equifax and during my XXXX hour phone call was advised that they tried to verify the inquiries and could not. 
I advised them that since they could verify the hard inquires they needed to be removed from my credit report. 
even after advising the the inquiries could not be verified, they refused to remove them and stated I needed to file a report with the FTC to have them removed. 
The inquiries were made by the following companies on the same date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also an additional hard inquiry made by XXXXXXXX XXXX that I did not authorize on a different date. 

Equifax is intentionally hindering me and other consumers from correcting inaccurate information on our credit file and it is having direct negative effects on my ability to obtain the credit I deserve by intentionally taking action to negatively affect my consumer credit score. 

Additionally, Equifax is deliberately blocking my ability to retrieve dispute results from their website and not providing me updated credit reports when changes are made due to disputes that are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My account ( and many others ) have been disconnected from XXXX. I called customer service where an agent told me she could " absolutely help me with that '' and said she needed to verify my info and would be right back. Then she proceeded to place me on a seemingly endless hold. I hung up after XXXX minutes. It appears PNC may be permanently blocking connection to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
" The company continues to not provide access to my accounts and accounts have been in the negative and many of my friends and family, and people in the community are having issues and Vystar credit union continues to doing nothing. This has reached the media and nothing is being done. My wife and my direct deposit is not even being received and we have bills to pay.

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 2022-06-01 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:
I XXXX XXXX filed a complete direct dispute with equifax And XXXX Ive already sent in police reports theft affidavits complete full copy of my driver license and proof of address and the accounts and inquiries that are fraudulent Equifax and XXXX Failed to Protect my Consumer rights they did not block or delete the information from appearing on my personal credit report within 4 buisness days of acknowledging the receipt of documentation which by law is a violation under the fair credit reporting act section 605B. 


XXXX still have collections of :XX/XX/XXXXXXXX $ ( Fraudulent XXXX XXXXXX/XX/XXXXXXXX $ ( fraudulent XXXX XXXX XXXX $ ( fraudulent Equifax reporting a fraudulent account XXXX from ( XXXX XXXX XXXX ) I have contacted all creditors Ive sent all documentation to the credit reporting agencies and they have completely failed to protect my consumer rights!!!!!!! Im now filing another suit against Equifax and XXXX for Defamation of Character and emotional distress this has to be stopped the fraudulent accounts that I listed above needs to be removed from my personal credit report ASAP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 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 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was being considered for a home retention option and received a letter of acknowledgement from Shellpoint that all required documentation has been received as of XX/XX/2022 and was given foreclosure protection. I have attached all letter received attesting to this. I was notified today verbally that my request was denied due to a negative XXXX Test and that the foreclosure protection was removed and that they would not be providing a letter of denial as to the specific reason and that I am not afforded a right to appeal their decision should any information be incorrect due to proximity of the foreclosure sale date. I strongly believe that my rights are being compromised as under the XXXX Law I'm afforded to the right to review the denial reason and " Right to Appeal ''. I have spoken with several representatives with Shellpoint and they are refusing to provide a letter of decision and the right to appeal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: AZ

Complaint narrative:
THESE INQUIRES ARE FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEED TO BE REMOVED IMMEDIATELY. THESE ARE NOT OPEN ACCOUNTS AND DID NOT HAVE MY AUTHORIZATION. 

XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian

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 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I opened a loan agreement with Credit Acceptance on XX/XX/XXXX. After the first few months I was not able to make payments on the vehicle. I reached out to the co-signer and asked him if he wanted to take over the vehicle. He stated to me that he was not able to make the payments on the vehicle and didnt want to take it over. I struggled with the payments and the upkeep of the vehicle due to Covid. On XX/XX/XXXX the vehicle was involved in a accident. The vehicle was taken to XXXX XXXX in XXXX Michigan on XX/XX/XXXX. I took the vehicle there because of a recommendation. The insurance policy on the vehicle had lapsed and so there was no coverage at the time of the accident. I did a voluntary repossession of the vehicle with Credit Acceptance on or sometime after XX/XX/XXXX. I called Credit Acceptance in XXXX to see if they had retrieved the vehicle and I was told that it was still at XXXX XXXX in XXXX Michigan. At that time I was told that the vehicle would be picked up by the Redemption Department within 7 days. I received a letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle had been repossessed. The following week I received another letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle would be sold at private sale sometime after XX/XX/XXXX. I recently started receiving calls from Credit Acceptance stating that there was a balance on the vehicle of {$8500.00}. I informed the representative of the letters I received and she said that the co-signer had possession of the vehicle. I called back after speaking with the co-signer and getting confirmation that he didnt have possession of the vehicle and didnt make any payments on the vehicle. I called Credit Acceptance back today and I was told by another representative that the vehicle was still at XXXX XXXX and that Credit Acceptance would retrieve the vehicle within 7-10 days and be back in contact with me. Today XX/XX/XXXX I tried calling XXXX XXXX from my phone and was told that the number was no longer in service. However, I called from a different phone and the call was answered promptly. After holding on the line I was told by someone name XXXX that the vehicle was still at XXXX XXXX. The vehicle has been in repossession for 7 months now and Credit Acceptance has not been in contact with me XX/XX/XXXX which was a written notice to sell property. However, now they are calling about a balance stating that the co-signer has the vehicle in his possession whoever XXXX XXXX confirmed that the vehicle is on there property.

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 2022-06-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX All have violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX All have 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 2022-06-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

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 2022-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
i was approved for the haf program. penny mac received money on my behalf from them. i was awarded 2 months of payments. when i called them because its should i owed a payment for this month even though it had been paid from haf. so i spoke to someone in that department they informed me that 1 payment was made and the remainder money, the exact amount of my next payment was going to be takin from my principal balance and not a payment!! this makes no sense as i was awarded 2 months of payments. so i currently will be behind if that isnt applied. this is not how this program was supposed to work! applying it to principal does not help homeowners!

Company response to consumer: Closed with explanation