vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL

Complaint narrative:
PayPal issued me a credit card on my PayPal account and then set it up as the default payment method without my consent. I never requested PayPal Credit and then I was suddenly sent a notice for outstanding fees and bills.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
Checkr is sending my employer XXXX false information on my background check. Checkr is sending a background check from XX/XX/2023. I requested a court date and the judge dismissed all my tickets and cleared my driving record. I dont have anything on my criminal or driving record. 

I was in court XX/XX/2023 and the judge dismissed all tickets. 

Im cleared by the Miami Dade Clerk of Courts to drive for all Ride Share companies. 

But Checkr is still reporting a false information on background check so as of XX/XX/2023 if I apply for any company using Checkr I will be denied the ability for employment. 

This is discrimination on the behalf of Checkr to stop me being an XXXX XXXX an opportunity to work and apply for job opportunities in the Ride Share Gig work space.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is inaccurate information that keeps getting reported on my Experian report about my Home Depot credit card from XXXX ( XXXX ) They filed a 1099c cancellation of debt with the IRS discharging the debt on XX/XX/2020, which also means I paid taxes on this cancellation of debt that year because its considered taxable income. I filed a dispute with the company and Experian failed to report accurate and complete information. I have a transcript of my 2020 taxes from the IRS which clearly shows the debt was discharged on that date. If a debt was discharged, how can my credit report reflect a debt owed and past due balances for years after the debt was discharged? Experian is not doing their job according to the law.

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 2023-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I applied for assistance with a late payment which occurred in XX/XX/XXXX when I changed jobs. The late payment was due to my pay frequency changing from bi weekly to monthly I also encountered a temporary financial hardship when my XXXX unit needed repair and my vehicle broke down which needed a new battery and starter. The total out of pocket for these unexpected expense was in excess of {$1500.00}. I completed the paperwork to request a forbearance so I could get back on track. The deadline for all documents was provided by XXXX. When I checked the portal where the documents were uploaded on this date, it keep indicating the package was partially completed. The notes left in the portal stated " need one more '' next to the link for paystubs and banks statements. The requirement for these documents indicated a date range of 90 days which was provided. I could never get the XXXX XXXX XXXX on the phone in order to clarify what exactly was still needed. I received notification on XX/XX/XXXX that the request for assistance was denied due to incomplete package. This is not fair considering I could not get intact with XXXX XXXX for help. Since I could not make contact by phone, I left a message in the secure portal specifically asking for clarification on her statement " need one more ''. I never got a reply. In addition, I don't want to be charged for an appraisal on my house since the request was denied for a incomplete package. I have been getting letters constantly about this. They can send letters to my house but never available on to speak live on the phone. XXXX  XXXX was sued for actions just like this which lead to illegal foreclosures on customers homes. Cross Country Mortgage is patterning the same behavior. In addition, I never got a voicemail from anyone at Cross County Mortgage regarding my request for assistance. They also block their number when they call customers. I know this because I answered these calls and questioned them about this. I was was told they have no control over what the caller-Id shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/23 I wrote a letter to Experian to investigate an old account, in the name of XXXXXXXX XXXX XXXX Account Number XXXX. The balance was reporting inaccurately so I sent them a letter requesting a verification. As a consumer I have done my research and know that they have 30 days to complete an investigation and respond to me from the time the dispute was received. Well today marks over 60 days of no response at all in regard to my dispute. I haven't even gotten a notice stating that there was an investigation in progress. This leads me to believe that they were unable to complete an investigation into this account and therefore the account must be removed. I have read of on the law that consumer bureaus are held to and right now they have racked up several violations!

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 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: DE

Complaint narrative:
I'm not liable for this debt with XXXXXXXX XXXX XXXX, I don't have a contract with Penn credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
i found inquiries on my credit report that arent mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
I consolidated my loans in XXXX of 2022 through XXXX to be transferred to MOHELA. Some of the loans were not able to be consolidated because of the in school status. I was directed by XXXX  to fill out a request to add loans to consolidation after taking those loans out of in school status. I filed that form and my loans were marked as paid in full via consolidation in XXXX of 2022. Those additional loans are still not added to my MOHELA account. I have reached out to MOHELA several times and they tell me different thingsthat my current balance is accurate ( even though its missing the added loans ) or that I need to contact XXXX. When I contact XXXX they tell me theyve sent the consolidation information to MOHELA and to contact them. I filed a complaint with XXXX and they told me the loans are still with XXXX according to the loan tracking, but closed the case. I am missing more than half of my loans on my balance and no one can tell me if or when it will be added to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i found inquiries that do not belong to me 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 2023-08-29 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
several inquiries on my credit do not belong to me

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a wells Fargo auto loan with my husband but I was the primary on the account. The car was repossessed without any notification. Wells Fargo was recently fined for improper repossession of vehicles. The reports I read described what happened to me but I never heard anything from them. I want my account to be reviewed to ensure I am eligible to be included.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was notified of a credit inquiry through XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from XXXX, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than 5 different numbers to contact XXXX. None could help. Including XXXX very own Fraud department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into Experian to file a dispute. They responded back on XX/XX/XXXX claiming XXXX verified the inquiry was accurate with no details ( no contact phone # for XXXX nor any supporting information ). 

XXXX bank and experian have not done an adequate job resolving this.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Money sent via wire transfer to WISE. 

XX/XX/23 Wise emailed me confirmation that recipient has received funds. 

XX/XX/23. Recipient messaged me that funds still have not been received. 

XX/XX/23 Called and spoke to Wise representative. Informed them that transfer recipient did not receive funds. Told me I needed to wait for funds to " bounce back/ be rejected '' from recipient bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' This generally takes between 1-3 days. Call back tomorrow if I don't see my funds have " bounced back '' to my account. 

XX/XX/23 Called Wise to let them know my funds have not been returned. They told me I need to ask client to take receipt to her bank to inquire about the funds. 

Her bank tells her there's a mismatch with the name and the account number. I had put her name in error instead of her company name, so funds could not be accepted. 

XX/XX/23 Spoke to WISE explaining recipient 's bank saying account name and account number are mismatch and can not accept funds.WISE requests bank statements of recipient. I let them know recipient declines to send confidential bank statements to me ( I am her customer and she does not wish to disclose this information to her customers ). 

I sent message to XXXX XXXXXXXX XXXX referencing transaction number XXXX. If they have the funds, please take action and reject funds so that they will " bounce back '' and then I can try to re-send with correct information. 

XX/XX/23 XXXX XXXX responded back saying I need to talk to Wise 's partner bank, XXXXXXXX XXXX as XXXX XXXX does not have direct relation with WISE. 

XX/XX/23 WISE confirms that their partner bank, XXXX confirmed receipt of WISE transfer and if I want any further investigation of transaction, I need to send them my recipient 's bank statements showing no funds have been received from XXXX XXXXcurrent date. I asked them if recipient could send her bank statements to WISE directly instead of through me since I am her client and that is confidential information. WISE replies saying my recipient can send me her statements and I can upload them. ( NOT HELPFUL ). No further investigation will happen without bank statements.

Company response to consumer: Closed with explanation