vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX and XXXX XXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Credit Experian stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-02 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: FL

Complaint narrative:
My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report 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 explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC
State: GA

Complaint narrative:
Launch Servicing has been reporting a alleged debt on credit report. I never received notification stating that they would be placing this debt on my credit report and my right to ask for validation. I asked this company for validation of debt on XX/XX/22 since they have been continuing to verify this debt as accurate with the credit bureaus. I sent this certified mail I received my return receipt on XX/XX/22 that this company signed and received my request. I never received a response from this so I made a second attempt to request debt validation on XX/XX/22. I sent this certified mail as well I received my return receipt on XX/XX/22 that this company signed and received my request. Here we are XX/XX/22 and I have yet to receive my request theres no creditor listed on this account that has been placed my credit report which is a violation. I also have reason to believe that they are reporting a duplicate account on my XXXX credit report under the company name XXXX which is another violation. Both accounts show the same account number, open date, amount owed, and the same exact company address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The negative account still showing on my report, you have failed to removed and delete the items that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Am, XXXX XXXX submitting this complaint to EXPERIAN INFORMATION SOLUTIONS INC and there is no third party involved. EXPERIAN INFORMATION SOLUTIONS INC has violated 15 usc 1681b ( 2 ) by furnishing inaccurate items on my consumer report WITHOUT THE WRITTEN INSTRUCTION OF I, THE CONSUMER. I DEMAND REMOVAL/ DELETION EFFECTIVE IMMEDIATELY AND I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different amongst all three credit reporting agencies - 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS ARE INNACURATE AND I DEMAND PAYMENT HISTORY BE UPDATED REFLECTING POSITIVE HISTORY ONLY- XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXX. I ALSO DEMAND EXPERIAN INFORMATION SOLUTIONS INC VERIFICATION METHOD. WITHOUT RECORSE

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
4 credit cards were used without my authorization.

Syncb/JC Penney total amount used {$600.00}. Transactions in store, XXXX  XX/XX/XXXX New credit card was requested on my name and mail address was changed XXXX XXXX XXXXXXXX XXXX  amount {$1100.00}. 
Transaction was made in XXXX XXXX store at XXXX. New credit card requested and changed address Syncb/XXXX XXXX amount used {$5000.00}. XXXX XXXX XXXX XXXX/XXXX/XXXX Syncb/XXXX XXXX  amount used {$13000.00} on line ( # of transaction XXXX, XXXX and XXXX. ) ,3 transaction were made XX/XX/XXXX of XX/XX/XXXX. Delivery address for furniture XXXX New credit card was requested and address was changed on my behalf. Increase of credit line was requested as well, bank authorized it.

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 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
This is the latest email I sent FedLoan Servicing, which I believe details the issue : I just received the results of my PSLF progress and it is NOT correct. I have spent 15 years in non profit public service. And while I have had periods of deferments, I have had periods where I was making IBR payments. Also, the current deferments because of COVID are also supposed to count towards payments. My results say that I have only made ONE eligible payment. With the waiver/application I submitted several months ago I re certified my employment with all three of my eligible employers, which include SERVICE ACCESS AND MANAGEMENT ( non profit ), XXXX XXXX ( government ) and DEPARTMENT OF CORRECTIONS ( government ). Your chat lines are never available, I have made numerous attempts to speak to someone before and through this process and it has proven to be impossible to reach someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient serviced student loan debt from a 2007 account. Recently I have been getting mail regularly ; just about monthly for last 3 months. I have worked with some of the credit repair people, and they told me " No way should this account be on your report or be valid on any type of form. '' And was advised not to pay it. Also, I believe the Statute is 7 years. 
There have been a lot of policy changes in 15 years and data brokering have become a source of viable income. Nonetheless, I wish not to be a part of whatever plan or business model they have currently. It seems each time we get this " cleared up '' - it pops up again. 
Lastly, I think I made one voluntary payment, it was less than XXXX  . I haven't contacted them at all. And had no intentions of getting into a payment agreement. 
I believe they operate ( now ) as non-profit organization. I attached a few documents. It had 4 pages in the envelope, 2 pages was disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX  XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report 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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I paid $ XXXX for a product on XX/XX/XXXX and the seller never shipped the product. 

I contacted Wells Fargo to file a dispute and they state they are unable to assist 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 2022-06-02 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: FL

Complaint narrative:
The XXXX XXXX stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have an account with Fifth Third ( 5/3 ) Bank to service my mortgage. They misappropriated escrow funds and I tried correcting this with them via email which I never got a response. I sent the tax bills received. I currently live in XXXX XXXX although the mortgage company had information that stated I lived in XXXX XXXX. I tried rectifying this but, again, I received no response. I made a payment to the escrow account of over $ XXXX which the mortgage company had applied part of that payment to the loan which I attempted to correct on two separate occasions. It is unclear whether this is being addressed as I have left a message for them to contact me and yet I have not heard anything from this company. My mortgage payment went from approx {$2800.00}, to {$2100.00} to {$3300.00}. There has been confusion and I do not have a comfort level that the people who are servicing my loan are competent. I have made over payments to the mortgage as well so that those payment would be applied directly to the principle and not to the interest. This took place over the course of the loan which is now a little over a year old. I have not received any information regarding these payments that should have reduced the amount of the loan. Any help you can provide I would greatly appreciate. Ive also asked the bank on numerous occasions to update the correct spelling of the address on my account. They still have not done so. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Investigation department back office for Bank of America 's letter dated to me on XX/XX/XXXX was completely misleading. They made it sound like over a XXXX dollars worth of transactions based on a dispute with a merchant would not be posted back onto my account until XX/XX/XXXX, stating they would charge the account for these transactions on XX/XX/XXXX. They proceeded to put the charges back as of the XXXX, FIVE whole days before that date. I don't care if they meant to be deceptive or they made a mistake. They must do what is right and send me a check for the funds I had available on my EDD card for {$170.00}, as their letter gave the impression that I had until the XXXX before the charges would be put back on. I was going to use every penny of that {$170.00} after they grossly mishandled my dispute -- Twice! The documentation that the merchant provided does not add up. Over a XXXX dollars worth of charges for one measly trip from New Jersey to Florida which is only worth about {$100.00}. There is nothing they can say or show that can justify this, but the Investigation department just continues to disregard the obvious and reject my claim. I refuse to pay over $ XXXX for what only should have been {$100.00}. I don't care if I go into debt, it's just not going to happen. And so I was going to spend that {$170.00} from my unemployment while I had the chance. Now I can't, thanks to their misleading letter. I was on the phone with the Disputes department for an hour and a half a couple weeks ago, and XXXX, a manager, filed a complaint on my behalf as well as she gave them her own input on the matter, as she also does not agree with this and thinks that the Investigation department should give me the {$170.00}... 

Please note that this complaint as well as the manager 's input was filed and sent to them two weeks ago, as well as an agent filed a second complaint and expressed their input about a week ago. And still no response from them to me or the Disputes department...

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I made a XXXX cash deposit on XXXX at XXXX XXXX XXXX XXXX XXXX Va when the atm took my cash and didn't credit it to my account I filed a dispute the claim number is XXXX which I woke up to see my claim was denied I want a full investigation I attach a picture of the receipt showing that I made a deposit I make atm deposit all the times please help and fix my account

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 2022-06-02 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: FL

Complaint narrative:
Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have a charge card with JC Penny. I was a few days late on my payment I admit this was completely my fault. According to JC Penny customer service the system auto determined my credit worthiness was low and took my {$800.00} limit and reduced it to {$110.00} resulting in a hit to my credit score. 
I feel completely blind sided by their actions and unwillingness to help I have struggled to gain every point I have on my score and it is incredibly hard to maintain good credit. I am rarely late on anything and pride myself on paying my obligations on time and this action from JC Penny seems harsh for a one time mistake. 
This is becoming very common and companies do not care about individuals credit score and take these type of actions unfairly at the cost of the consumer. 
If I were 30+ days past due more than once I can see an action like this but feel their actions were unfair and possibly a UDAAP complaint 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 2022-06-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX : : : XXXX XXXX Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX ... {$320.00} XXXX XXXX XXXX XX/XX/XXXX .... {$410.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX have reached out to the compaines and they still have not corrected the issue. 


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

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Pnc bank located in St.Louis MO on Page and Grand.Committed the perfect crime. I need someone to investigate the fact of somehow I had a believe 9 checking accounts. Hmm guess to confuse Me. Then why over 60 thousand dollars in tele transfers were not authorizedby me nor had I ever made transfers over the phone ever. I wish to know where and to whom the money 60 thousand went. The employees at this bank lie and work together in a stem and know what to do to cover there assets if someone brings up something alerting them to the misdeeds So heads up at how you go about catching these crooks...

Also the telephone calls recordings I need to know how to obtain such evidence to clear myself of a false claim of a felony crime for making a terrorist threat. Sad insane and gross..

Please help

Company response to consumer: Closed with explanation