vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: 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 has violated my rights. 

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

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

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 explanation
Consumer complaint received 2023-06-27 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. 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 has violated my rights. 

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

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

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 then records of convictions of crimes which antedates the report by more then 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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
On XXXX XXXX XXXX I submitted request to checksystems informing them I was a victim of Identity theft

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, and XXXX are reporting that I do not have a credit profile. I have sent documents in XXXX with proof of identity and still receive the same outcome. Please advise these bureaus to update my information showing correct and up to date scores and information as it is affecting my livelihood.

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 2023-06-27 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:
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. 

Account name : XXXX XXXX  Account number: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 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 2023-06-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
Every day for last two weeks Conns Furniture calls me looking for my ex-wife, I provide them with her number yet they call me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: OR

Complaint narrative:
XX/XX/XXXX my XXXXXXXX XXXXXXXX XXXX that I purchased less than a year prior to date, had to get the catalytic converter replaced. I went to my mechanics to get the services done. When he told me the new auto repair finance company they were using I had no choice but to go with it. Im a single mom with a XXXX and only work XXXX a week. Ive been consistent with paying my biweekly payments of {$90.00}. While making these payments I was waiting for a check from XXXX ( where I purchased my vehicle ) to help compensate half the cost to repair my car. I finally get the check ( XX/XX/XXXX ) and I got on the loan website and it says I owe {$1500.00} The total cost to repair my car was {$1400.00}. And Ive already paid them about {$540.00} since getting the repairs done. I look at the interest rate and its a rate of 148.98 %.. I called the company to see if there was anything they could do to help me and I basically got a big XXXX from them and told me that they make sure theyre very clear about all the terms to the loan and that included sharing the interest rate. Theres absolutely NO way I will EVER be able to get this loan paid off, and I felt like I had no choice but to finance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-27 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, THE CHARGES THE PAYMENTS ARE ALL FRAUDULENT. I NEED THIS ACCOUNT TO BE REMOVED FROM TRANS UNION CREDIT REPORT AS IT IS ONLY REPORTING ON THAT BUREAU. AGAIN THE CHARGES, THE PAYMENTS NEVER CAME FROM ME. IF THE PAYMENTS CAME FROM A BANK ACCOUNT UNDER MY NAME THAT IS ALSO A FRAUDULENT ACCOUNT. I HAVE SUBMITTED MY FTC REPORT TO TRANS UNION NUMEROUS TIMES.

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 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. 


I am unsure why either XXXX or WAYFAIR would have had a Citibank response, as the report shows XXXX  is the " owner '' and the accounts were sold. 

My report shows both accounts Citibank responded to me as " owning '' originate with XXXX XXXX ( as does a XXXX XXXX XXXX card that is not mine ) not Citibank. I have never had a Citbank account of any kind. 

The Wayfair account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/. 

IF the XXXX XXXX XXXX Card is also Citi 's, and once Again ALL THREE are listed as XXXX XXXX  on my report, that would also need deleted. 

The account, account number XXXX, reference number XXXX XXXX XXXX  on XX/XX/XXXX  and was opened with XXXX XXXX. 

The XXXX account account ending in XXXX, formerly XXXX is listed as XXXX. 

ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.

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 2023-06-27 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: U.S. BANCORP
State: TX

Complaint narrative:
I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called XXXX. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. 

I also had an inquiry from US Bank I did not authorize. I was unable to get in touch with them by phone.

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 2023-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to inform you that Bank of America has engaged in retaliation following my filing of complaint XXXX on XX/XX/2023. 

On Saturday XX/XX/2023 we received an Escrow Analysis letter from Bank of America backdated to XX/XX/2023. We had not received such a letter previously. 

This letter falsely alleges that our family paid only {$5400.00} of a XXXX tax bill of {$9700.00}. The letter states that there was an underpayment of {$4300.00}. The letter states that due to this underpayment, our monthly mortgage bill will increase by nearly {$400.00} per month. 

Upon review of our records we show that we actually paid {$9300.00} of the {$9700.00} tax bill through monthly equal escrow payments of approximately {$770.00}. The probable underpayment amount based on this is about {$430.00}. This is nowhere near the underpayment amount of {$4300.00} indicated on the letter we received. Furthermore, the letter includes dollar amounts that Bank of America knows are not part of Escrow ( e.g. Insurance ). 

Bank of America is using the US Mail to send financial debt information to us that it knows to be false for the apparent purpose of defrauding us. 

Because of our recent written complaints against bank of America for what we believe are violations of State and Federal predatory lending Settlement agreements ( this was contained in certified letters sent to Bank of America - dated XX/XX/2023, XX/XX/2023 and XX/XX/2023 ), we are now being targeted and retaliated against by a significant and an unjustified increase to the monthly mortgage payment in order to place an additional hardship on our family. 

In addition, we have attempted to contact the regulatory affairs person identified for the response and resolution to the original complaint ( # XXXX ). We have not received a call back nor have we received any document showing the response submitted to the CFPB from Bank of America. We have not authorized Bank of America to send any communications electronically. We have received nothing in the mail to date. 

I sent certified letters and a fax to Bank of America authorizing my husband to speak and correspond on these matters. 

I am enclosing a copy of the letter ( along with envelop showing postmark date ) we received from Bank of America regarding Escrow and a copy of the most recent letter sent authorizing my husband to speak on my behalf. My husband is authorized to speak regarding this matter as well.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
Account paid in full in XX/XX/XXXX. The collection was removed and the account went to " closed '' status. Account reappears as a collection in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Action Credit, LLC
State: TX

Complaint narrative:
On XXXX XXXX,2023, a representative from the Loan Company XXXX XXXX came to my workplace. She asked when I could begin making payments again I did advise her that I was currently struggling and I would try to catch up in the upcoming month. I do Acknowledge I am behind and I communicated to her when she came by and processed to call her Supervisor and she asked more questions about payment I repeated that I was trying to catch up. The agent who came to my work asked me to take her cellphone but I am in a public office that has camera 's and I did tell that I couldn't take her cellphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I owed a debt to XXXX to close my cell phone account ( approx. {$200.00} ) I PAID XXXX DIRECTLY via their online portal. 
I now see this company " Convergent Outsourcing '' has posted a XXXX collection on MY credit reports. But I do not know " Convergent Outsourcing '' I never paid THEM anything. I only know XXXX, and I paid XXXX directly so there should NOT be any collections showed on my credit report for this XXXX matter and definitely NOT Convergent Outsourcing.

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 2023-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is to further a complaint I filed with Wells Fargo. They blatantly are lying to the CFPB in the response to my first complaint. They said they have not been able to " establish contact '' with XXXX XXXX, so they need up to an additional 60 days to further investigate. This was today I received this response. I knew they were crooked, but this is absolutely disturbing. They are lying, we have had numerous communications with Wells Fargo. My XXXX, XXXX XXXX XXXX, has written letter upon letter, called XXXX times, and can't even get online to an access her Wells Fargo account online. Wells Fargo is not investigating the complaint, but they are buying time to foreclose on our home. And XXXX, XXXX XXXX XXXX was in court via XXXX, where she did not even get to say a word. Wells Fargo yesterday intends on moving forward to dismiss the unknown occupants ( which the first affidavit said the home was VACANT!, which was also a lie! ). Meantime, on Sunday XX/XX/XXXX at XXXX. there was a XXXX XXXX sheriff knocking on my door, with papers to serve from Wells Fargo. This was the second attempt to serve me ( unknown occupants ). The COVID CARES ACT allocated funds to be directly distributed to Wells Fargo, why is it that we can not get this money? Why did the forebearance period end and ignoring our requests for loan modification get ignored? They went STRAIGHT TO FORECLOSURE AND NOW THEY WANT 60 DAYS TO ANSWER AND INVESTIGATE A COMPLAINT BUT THAT WILL BE TOO LATE! THEY WILL HAVE ALREADY AUCTIONED OFF THE HOUSE. I LIVE IN WITH MY SON. we have told Wells Fargo from XXXXXX/XX/2022 that We have a debt free XXXX property that is closing, and we have had every intention of paying them with this money. Regardless of that, they have moved forward to accelerate the note, and foreclose. Now the CFPB has advised me to get an attorney. Why is WELLS FARGO STILL ALLOWED TO REGULATE THEMSELVES!!??? THIS IS CROOKED! THIS IS WRONG!!!!!!!!!!!!! and they will continue to get away with this. Its pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: IN

Complaint narrative:
I am Filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you

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