vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: TX

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. This item found within my credit report is 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SERVICEMAC, LLC
State: RI

Complaint narrative:
I applied to the Homeowners assistance program earlier in the year, I recently got rewarded a grant for my mortgage for XXXX at the end of XXXX. The funds where sent to Service Mac On XX/XX/2022. I have been calling Service Mac they keep telling me they did not receive it. The people from the Homeowners assistance Program says it takes up to 24hrs it is now XX/XX/2022 ; it has been 17days ,12 of which are business days and they still say they have not received it. I got InTouch with the homeowners assistance program they are going to put a trace on the funds they sent. I know that all the information was right, the funds where sent electronically it had my loan number on it, it had Service Mac name on it going to lost Mitigation. I am just not sure how the funds can just disappear. I have had such a bad experience with this company. At this point I just want to get this resolved and get the funds applied to my account. I just feel like the goal for this Company is to take my home. I will do everything I need to in order to keep my home but it just seem all my efforts are for nothing. I need to know were the funds went to because I know it went to my mortgage company I just need to know where it went to why is it so hard to locate. In the beginning Service Mac didn't want to give the information to the Homeowners assistance program in order for me to get the grant it wasn't until I filed a complaint that they got what they needed and now that I got awarded the funds they claim they never got it. The Homeowners Assistance Program recommended me for a new program the federal government has called the XXXX I would be paying 25 % less than i do now so along with the grant my mortgage would be lowered now it just seem like I am going to loose my home all together.

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 2022-08-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, Transunion and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX  15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2022-08-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and Equifax l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX  15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I have an account with Current Bank. Ive had the account as my sole and only bank account for last two and a half years with no issue. Until someone fraudulently gained access to my account on XX/XX/22 and drained what was in it, and knocked it into the negative. They changed all of account information to their own, locked me out of my account, moved my money from my savings to my checking, and made two transactions at XXXX, ( {$320.00} & {$100.00} ) and XXXX XXXX {$15.00} ) in a city that Ive never been to in Florida. I live in XXXX XXXX, MO. The bank, ( Current ) had to change all of my information back to my own, and get me back into my account. They have all of the persons information that did this, including their email address and the home address, and phone number. None of the charges are indicative of my usual spending habits, nor were they made in the city and state that I live in. I gave them information from the merchant and other corresponding evidence for the fraudulent charges and they closed the dispute in nine days, stating that I had no grounds for a dispute. Current did not do any type of investigating and they didnt lock my account because the hacker ( s ) still had access to it And added my new card under their XXXX XXXX I let the bank know this and they did nothing to protect me. They have no phone number to reach them at, you can only leave voice messages and pray that someone gets back to you. They have stopped responding altogether since the dispute was deemed invalid and wont answer any correspondence from me at all. Ive reached out to their parent bank, XXXX XXXX and they sent me over to Current so again, said there is nothing they do besides an appeal. But when I inquired about the appeal information they stopped responding. That was four days ago and Ive heard nothing from them. Ive reached out to the XXXX  as well too investigate their business practices as a whole. I just want help and to be treated like a human being. I live paycheck to paycheck and those events put me back drastically. Its very insulting that after all of that, the bank added another layer of insult and refuses to acknowledge the fraud, in the face of irrefutable evidence, and return my monies that were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account # 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.

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 2022-08-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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:
This is an extension to the previous complaint I have submitted. Below will be a proper list of inquiry names and dates that I demand to be removed/deleted from my credit report. my rights have been violated, In pursuant to 15 USC 1681 section 602 A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-13 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: CA

Complaint narrative:
I have repeatedly requested verification and validation of an entry on my credit report from the reporting agencies and the collection agency. I have sent multiple letters regarding XXXX XXXX XXXX whom harassed me by telephone multiple times but refused to send me a validation or verification of the alleged debt.

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 2022-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
That person scam me. I hired a specific service that he was going to do for me and after making XXXX payments, he just disappeared, didn't complete it, he wanted more money and I didn't give it. He stopped responding and I think he blocked me, I have all the evidence here. I have numbers and the IP of the person. 

I tried to contact the bank when the transactions still pending, but they don't reverse it and didn't want to give my money back. 

the payments were to through XXXX : XXXX XXXX - XXXX - {$85.00} XXXX XXXX - XXXX - {$100.00} XXXX XXXX - ( XXXX ) XXXX - {$100.00} Date/Time XXXX XXXX XXXX XXXX XXXX XXXX Country United States XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/22, XXXX AM XXXX Complaint Referral Form XXXX XXXX XXXXXXXX # XXXX Other Operating System XXXX XXXX User Agent XXXX ( XXXX ; XXXX ; XXXX XXXX ; XXXX ) XXXX XXXX XXXX XXXX Referring URL no referrer Host Name XXXX ISP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC
State: TN

Complaint narrative:
THIS COMPLAINT IS FOR XXXX XXXX WORKING AS A, MORTGAGE BROKER NMLS # XXXX WORKING WITH NEXA MORTGAGE COMPANY, PLEASE EMAIL : XXXX and XXXX. XXXX XXXX did not have me to sign a DocuSign contract with her as my Realtor Mortgage Broker after I was working with her at XXXX XXXX. She did not tell me she had left working for XXXX XXXX  until the next day of sending her documents for pre-approval. I asked her the reason she did not let me know and she stated she just left the same day. She asks me to submit her information with Nexa Mortgage XXXX if I wanted a Conventional loan that I was not qualified with my husband with XXXX XXXX due him needing higher credit. She informed me that I would qualify for the pre-approval. I was preapproved on XX/XX/22 from XXXX XXXX for {$290000.00}, Conventional Loan with Nexa Mortgage XXXX emailed with a pre-approval letter. XXXX XXXX informed me that she stated she considered the selling of my commercial property with the {$290000.00} pre-approval. I contacted XXXX XXXX on XX/XX/22 and informed her that my contact ended on XX/XX/22 and I was not able to buy home I bided with her approval letter due to the extensions for the home at XXXX XXXX XXXX, XXXX, GA XXXX. She stated that my loan was not denied or suspended when I was processing the loan with XXXX XXXX Mortgage. She stated my XXXX ratio was high due to not having the XXXX. I informed her XXXX XXXX stated they did not need anymore iXXXX after my XXXX  gave {$6000.00} extra dollars total continued to change. I informed her that I had not sold my commercial property and was in the process and she considered the {$290000.00} with the building being included for approval. I informed her I did not have debt on my XXXX and was receiving XXXX XXXX monthly. I informed her I only had a {$87.00} school loan for debt in my name. I informed her that I had to get XXXX extensions on the loan due not having the income she stated I had for the {$290000.00} and the contract ended on XX/XX/22. I informed her that she told me during processing that I was suspended and denied for the contract. I have text and emails stated she told me that contract was denied and suspended. I informed XXXX, I did not want to lose my XXXX money of appraisal and she stated I would not lose the money. She blamed My Realtor XXXX XXXX for me losing my XXXX money and XXXX appraisals totaling {$4000.00}. I informed her that she did not tell me the truth about due to the extensions my loans were not in denial or suspended. Due to my emails from XXXX XXXX, she was XXXX of the reasons I lost my XXXX money and appraisal for {$4000.00} due to the extensions and her using my commercial property in the {$290000.00} total of the pre-approval letter for the home I had a contract due to the qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. XXXX XXXX XXXX of XXXX Anne Taylor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a late for and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
I finance a loan for {$2000.00} and the place is over changing me they took my car when I wasnt even 30 days past due adding additional fees. I explained to them that my baby had XXXX and that I could make a payment on the XXXX XXXX XXXXXXXX can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


Experian : Number Mortgages XXXX Score XXXX XX/XX/2022 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 2022-08-13 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: DISCOVER BANK
State: MI

Complaint narrative:
This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, Iam filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with Discover Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX stole my identity. This account is still showing active on my XXXX credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: CA

Complaint narrative:
I have repeatedly requested verification and validation of an entry on my credit report from the reporting agencies and the collection agency. I have sent multiple letters regarding XXXX XXXX XXXX whom harassed me by telephone multiple times but refused to send me a validation or verification of the alleged debt.

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 2022-08-13 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: CA

Complaint narrative:
I have repeatedly requested verification and validation of an entry on my credit report from the reporting agencies and the collection agency. I have sent multiple letters regarding XXXX XXXX XXXX whom harassed me by telephone multiple times but refused to send me a validation or verification of the alleged debt.

Company response to consumer: Closed with explanation