vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: LA

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2023 I received 3 deposits, my VA compensation, and two employers. At which time one automatically came out as it always does on the XXXX or that XXXX  is the XXXX falls on the weekend. I then made a payment to my insurance company and my sons daycare ( this is a normal payment made almost every XXXX  ), also US Bank Home mortgage ( of course they make sure they got their payment but XXXX the rest of your bills ). I lost my card that afternoon. I reported it stolen thru the app. This has happened before and Ive never had an issue. I verified all the pending charges were correct. As of Monday XX/XX/XXXX my account was fine and those charges were still pending. On XXXX  XX/XX/XXXX, the money was back in my account and the transactions reversed. This puts me in a bad position with these companies, I risk losing my insurance, having my loan considered late and having another fee for that, and more than likely getting charged return check fees by these companies. Every representative has refused to look into it or try to help. They either give me the run around, transfer me to someone else without telling me or just put me on hold until I hang up. I already know US Bank is going to come at this with some XXXX  answer. They are a horrible company.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
On XX/XX/2023, I received an adverse action stating that I had a bankruptcy on my credit report. I filed bankruptcy over 20 years ago, the bankruptcy should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: AL

Complaint narrative:
I was fraud scammed by a phone number who called me pretending to be a federal agency saying that my identity was being used and am trying to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I bought a travel package through XXXX on XX/XX/XXXX. XXXX 's website had a glitch where it kept reverting my travel date to XXXX. When I thought it was fixed I finished my purchase. However, it was not fixed and the plane tickets and car rental reverted to an XXXXXXXX XXXX  I called XXXX right away and luckily my tickets were refundable. My plane ticket and car rental were refunded within 10 minutes. I called Affirm 15 minutes later and customer service stated the loan was pending and would disappear within 24 hours. Instead, the loan was processed a few days later. I reached out to Affirm many times and sent them the refund confirmation email from XXXX. Affirm is not communicating and the loan is still active. The first due date is XXXX XXXX XXXX. I refuse to pay for something I have a refund for. I filed a XXXX  complaint as well and the company is not responding to the request either. Thanks for any help you can give. I have spent many hours on this and am exasperated by a nonresponsive company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have not authorized any company to run my credit nor process loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During the loan restructure process, Wells Fargo foreclosure department took over and foreclosed on my home. This occurred in 2003. My home was sold for approximately {$120000.00}. It was a five-bedroom three bath home less than a mile from a country club, churches, schools and shopping!! 
I tried to tell the foreclosure department that I was working with their loan department, but they ignored my argument and proceeded to foreclose on my home, even thought I had letters agreeing to my restructure loan. 
Unfortunately, these letters have been lost due to subsequent multiple moves and resultant divorce. 
I apologize for the delay in filing this complaint, but things were hectic after the foreclosures with several moves, the divorce and my eventual leaving of Missouri to Texas and now Florida for medical reasons.

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 2023-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/ The application was denied for a CC application but I did not put that application in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-03 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I moved from Virginia to Illinois in XXXX after getting married. 
I did not know I was served to appear in court in Virginia till I returned to Virginia in XXXX and requested that XXXX verify my debt. This is when I saw that there was actually a hearing XX/XX/XXXX. Upon more research, I was served at XXXX, VA where I had not resided at for years. The last residence I had in Virginia was in XXXX XXXX. My addresses are all listed on my credit report so this was not hidden information. This debt was not even obtained in Virginia but in Illinois. They sent me the last XXXX XXXX XXXX XXXX had and that my most current address at the time of XXXX XXXX Illinois. The letter sent to me in the debt verification is dated XX/XX/XXXX and also dated to the XXXX XXXX address. So, XXXX knew I was not residing in Virginia, let alone at that address in XXXX. I'd always done a change of address with the post office so if anything, they had me served at the XXXX XXXX address, it would've been forwarded to the most current address. 
Because I did not show up ( because I was intentionally served at the wrong address ), they won their judgment and for years they have been adding interest and fees to the balance. 
This year they attempted a garnishment and had a lien on my bank account. I was able to get that dropped due to receiving child support and this caused and IMMENSE amount of stress as I was unable to pay bills and had to borrow money. Also, the bank in which they put a lien on, charged me XXXX that they will not return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: MS

Complaint narrative:
Ref # XXXX I received a preapproval letter for a personal loan. Around XX/XX/XXXX I inquired and decided to apply because the first lady XXXX XXXX was highly informative and polite. She needed information that I did not have available and I called back the following day. I spoke with XXXX from Utah. He was polite but instructed me to use the website. Which most companies do these days. The website stated that I had been approved and to upload the last three statements of the bank account I wanted the funds deposited into. I did that. Then I received an email on XX/XX/XXXX that my loan was denied due to " insufficient ability to repay ''. I assumed it was an error because I have my direct deposit split over a few accounts. I did write a letter to Discover asking for reconsideration and providing my last XXXX pay stubs to show that I could pay the loan back and explain that the purpose of the loan was debt consolidation. The XXXX monthly payment to Discover was hundreds of dollars cheaper then what XXXX currently paying to each company. I figured it was close to the XXXX mark, so I decided to call. I spoke to XXXX different people. XXXX was polite but he told me it was beyond his control, and I would have to reapply, but he transferred me to XXXX. She explained there was nothing she could do since the loan was denied on XX/XX/XXXX even though I was not informed until XX/XX/XXXX. I explained to her that I had written a letter and provided proof of income. She told me that Discover was not concerned with the income but the in 's and out 's of my account. That was not explained to me. I submitted the account that I use to pay my bills because I was going to be paying off bills with the loan. Also, I work at a bank and I didn't want my coworkers in my personal business. Any one at the bank can see into our accounts. She repeated there is no one here that can help you. It sounded like she was working remotely, so Im sure no one there could help me. She did not try to ask a manager or supervisor because this was a misunderstanding. A week or so later a man called stating he received my letter and the only thing I could do was reapply. This is unfair and misleading. Had I known what Discover was looking for I would've submitted a different account. Being a financial institution Im sure they're aware that customers can have multiple accounts. I would've been open to reapplying if I had made a mistake and If my credit score had not taken hit from the first application. I know that it has been a few months, but it just seems unfair and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-10-03 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-03 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
I am writing to formally notify Fidelity Information Corp of my intent to take legal action against your company for the inaccurate reporting on my credit file, specifically the collection account with account number [ XXXX ] amounting to {$370.00}. I hold no knowledge or association with this account, and it is a clear result of identity theft. 

I was affected by a data breach in XXXX  with XXXX, during which my personal information was compromised. This incident has directly impacted my credit file, and I hold Fidelity Information Corp responsible for failing to adequately protect my personal information and allowing false and damaging information to be reported. 

I hereby request the following actions : 1. Immediate removal of the erroneous collection account from my credit report.

2. A thorough investigation into the source of this false information and its subsequent reporting.

3. Provision of all relevant documents, contracts, or evidence linking me to the reported account.

Company response to consumer: Closed with explanation