vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: MI

Complaint narrative:
I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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 have put in multiple reports, called and emailed the agencies as well as collectors to rectify this situation. 

My rights under FRCA have been violated by XXXX XXXX, Equifax, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX Vehicle was returned within XXXX days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX : XXXX Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
XX/XX/2022, {$500.00}, The company is call Arbor Professional Solutions and the woman threatened to take me to court due to the debt. She said unless payment and the check is shown they will take legal action. In order get the documents needed, it will take some time to get them from my insurance as I would have to send them back and then I could send them to this company. I contacted my city in order to ask for more information on this debt because I thought it was for thXXXX XXXX XXXX  that had happened. I had called the company that had sent off my information to this company and it turned out to be something completely different. It was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was sent bills but it had the city of XXXXXXXX XXXX address on it. It never stated it was for the XXXX  department for a bill, I was then told by XXXX that I needed to show proof insurance but it's past XXXX XXXX of that and nothing can be done. I was never notified of this, I sent responses with medical insurance information because it never said otherwise. I dealt with the XXXX, and XXXX  that day. So I don't understand why I was charged this when XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ; 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.

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 2022-12-14 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: FC HoldCo LLC
State: PA

Complaint narrative:
Did not give written permission to Flagship Credit Acceptance to obtain my XXXX credit report on XXXX. I did not apply for credit or authorize Flagship Credit Acceptance to obtain my XXXX 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 explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America opened an account online without verifying who was opening the account... it was opened using my middle name and previous last name. When I attempted to call after receiving an email alert, I couldn't get through bc I didn't have an account number and their automated system kept hanging up on me. When I did reach them, they've hung up on me several times and refused to explain how they allowed an account to be opened under a name that didn't match the current check systems and credit bureaus reports nor would they explain how they opened an account without identifying the account opener ... additionally they still have not provided any documentation stating the account has been closed or given me any information that a case has been opened. 

I don't know if other accounts were opened in my name before I was able to get my credit reports frozen and I still don't know if my general email was hacked or if it was my social security number since no inquiries hit my credit reports on the day of the account opening.

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 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.

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 2022-12-14 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: GA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.

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 2022-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reel Time Capital LLC
State: LA

Complaint narrative:
I have contacted reel time capital and have not heard back from this company. I was notified via phone that there is a order of location for me and that I am being sued for a payday loan with XXXX XXXX XXXX in which I know nothing about or have ever gotten a loan via the company. Im assuming this is from identity theft in which I have had this problem. I have contacted them to try to get information in regards to the matter to no avail the company has not told me anything. When I got the call about a order of location I stated to them I dont know of this said company nor have I ever done business and this is the first time Ive gotten a call in regards to this matter. The person was very rude and offered no information to me saying that this is in fact my debt and I owe money to a company I have never dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: GA

Complaint narrative:
I have a right to exercise my privacy. My privacy was violated. The credit bureaus never did any investigation or show proof of the investigation. It's been over 90 days. I will like for this to be removed from 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 explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortage LLC was offering a promotion using XXXX XXXX to deliver the message to its customers. I received an email from XXXX XXXX stating that as an XXXX XXXX customer if I closed a conforming mortgage loan with Rocket Mortgage by XX/XX/XXXX that I would receive a statement credit of XXXX to my XXXX XXXX XXXX 8-12 weeks after closing occurred. I closed my loan in XX/XX/XXXX, so I was definitely eligible for the credit. I initially emailed on XX/XX/XXXX just to confirm with the loan processor that I expected the credit before we continued to proceed with the loan. The fact of the matter is I would have gone elsewhere for my mortgage needs and had a lower rate had it not been for this promotion. The property needed work and I was looking forward to the statement credit to help with those costs. When I didn't receive the credit, I inquired with my loan processor at Rocket Mortgage again XX/XX/XXXX as to what had happened, and he stated that it was applied as a lender credit to my closing costs. That is an EXTREMELY shady business practice since lender credits are typically given by the lender in exchange for a higher interest rate. NONE of that was communicated to me, nor was I given the option to choose in which manner I wanted to receive my XXXX. Nor did the promotion read that that was an option at Rocket 's discretion. I have all of the emails exchanged where my loan processer tried to give me the run around and a bunch of reasons that didn't jive with the promotion to cover his back. Basically, they created a win-win situation for themselves ; they get the customer roped in under a promotion where they never actually give anything, they just give you a credit while charging you a higher rate. The entire offer is for an XXXX XXXX XXXX, nowhere does it mention a lender credit. I didnt receive that, nor any mention that I would never receive it. I have attached the terms and conditions of the offer as provided to me by XXXX XXXX on behalf of Rocket Mortgage as well as my correspondence with Rocket Mortgage in regards to the treatment of my credit. Needless to say XXXX XXXX at XXXX never gave me the items I specifically asked him to provide numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I requested my student loan payments made during the XXXX payment pause to be refunded on XX/XX/XXXX. I was told by the MOHELA agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XX/XX/XXXX. -- My loan was transferred from XXXX to MOHELA during the payment pause. I paid {$4200.00} to XXXX ( XX/XX/XXXX- XXXX XXXX XXXX  monthly payments of {$200.00} each ) and {$1600.00} to MOHELA ( XXXX - XX/XX/XXXXXXXX XXXX monthly payments of {$200.00} each ). The balance I paid directly to MOHELA was restored on XX/XX/XXXX and direct-deposited back into my account. However, the balance I had paid to XXXX and which was transferred to MOHELA remains pending after 105 days. -- When I have called MOHELA to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, MOHELA are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and anxiety. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: PA

Complaint narrative:
I purchased a phone online from boost mobile on XX/XX/2022. I did not like it, and returned it on XX/XX/XXXX. I got a notice of delivery approx XX/XX/XXXX. To the factory. It was in perfect condition. 
XXXX refused to deal with this or refund me. 
I went to NetSpend to see if they could dispute it. They gave me XXXX credit for the refund. XXXX XXXX. 
Posted on XX/XX/2022 at XXXX PM Debit : Adjustment for Claim # XXXX - {$130.00} That is the withdrawal of the refund they issued sometime in mid XXXX for that amount. 
I returned the phone in perfect order, with all parts and receipts in original box. No one assisted me at boost customer service, or in store. 
It is wholly unfair that NetSpend reneged their refund without any reason to me 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 2022-12-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I just received my rein-investigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). 

Equifax also sent a letter stating that they have outdated information. 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX  XXXX Account number XXXX ( PAID OFF ) ' XXXX XXXX XXXX  Account number XXXX ( PAID OFF ) They did not modify or delete the inaccurate information on my consumer report to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016.

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 2022-12-14 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: HI

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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I signed up for Square Payroll services. 
{$100.00} was withdrawn on XX/XX/2022 from XXXX of my bank accounts and transferred to another XXXX of my checking accounts as a Payroll service. 
{$5.00} was charged on XX/XX/2022 for a service they did not allow me to use. 


On XX/XX/2022 the same {$100.00} was unexpectedly clawed back from my XXXX checking account without consent and without permission. It was not returned to my original bank account and no refunds have been issued. I have sent multiple emails to this company asking for my money back but they just have a bot respond without resolution simply telling me they have closed my account and the decision is final. They simply stole my {$100.00} and have not provided me anything in return. I did not authorize this company to dip into my checking account to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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