vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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:
To whom it May Concern : Hello, my name is XXXX XXXX, and I On XX/XX/2021 your office received my request for XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
Recently, I disputed an account on my credit reports that is being reported by Montery Financial. The results of the dispute came back as 'verified and accurate '. Thus, I am requesting that Montery Financial provide me with the documents used to validate this debt, given that, I have no knowledge of this debt nor have I made any agreements with Montery Financial. Thus, Montery needs to send me a copy of the original contract ( bearing my signature ) and full accounting for the amount owed, using generally accepted accounting principles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company is reporting a collection account from 2006 - this account should not be reflecting on my credit report since it has been well over the amount of time allowed to be on my report. I sent a letter to the creditor requesting information and to the bureaus and have not received a response.

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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB Chase credit card executive office plus its account representatives have purposely sent personal account information to this make believe address they created and have used without my permission, plus have submitted this wrong address information to the credit bureaus thus causing me hardship in verifying my identification and compromising my personal information, thus giving ID thieves the opportunity to hack into my accounts. I have made over dozen attempts contacting their executive office as well as representatives giving them the correct address, yet they wrongfully and purposely continue to claim this as my address n conversations, even though the executive office sent documentation to the correct address on XX/XX/2021. On tp of that, many of the representatives have been rude and uncooperative causing extreme XXXX  and XXXX. Often when I call, they transfer me around to different departments and representatives, some are rude and hang up. I contacted the credit bureaus to correct this misinformation, however they state that the only correction for this can come from the reporting agency ( JPMCB Chase ). So because this address is listed on my credit report, it compromises my ability to find housing. JPMCB Chase corporation and its representatives have purposely lied and defrauded me over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXXBalance {$0.00} XXXX  XXXXBalance {$430.00} XXXX XXXX XXXXBalance {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I had my SoFi money account hacked on XX/XX/2021. They got into my account, changed my primary email, password, and phone number. Once I checked my account that day and saw the fraudulent charges and transfers, I immediately filed disputes for all fraudulent charges and transfers that had been taken out up to that point. I also instructed the customer service team to freeze/restrict my account so no further damage could be done and no more money could be stolen. I was instructed to call back to file the rest of the disputes the next day on XX/XX/XXXX because they couldnt file disputes while charges were still pending. I woke up the next morning to another {$5600.00} taken from my account. SoFi did not freeze/restrict my account as I instructed which allowed more money to be stolen. By that time the hackers had stolen {$10000.00} in funds from my SoFi money account. I filed a police report for felony grand larceny on the XXXX when I was able to show evidence of all fraudulent transactions to the police. I then sent the police report to the fraud department at SoFi. After over two weeks of zero contact from them via phone or email despite my many calls and emails to them, they denied all disputes saying they see no evidence of errors. Every person I spoke to from the customer service department said its very evident its fraud but that decision is up to the security/fraud department . And now my account is frozen while they investigate. Which means I have no access to the remaining funds in my SoFi money account. I have done everything humanly possible to demonstrate this is fraud at a high level and SoFi still denied my fraud claims. They tout their platform as very safe and zero fraud liability for their customers. Which is the exact opposite of my experience with them. My life savings was stolen from me and they are doing nothing to help me as a SoFi customer. I want this investigated and I want everyone to know how awful SoFi is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Customer ID : XXXX. App ID : XXXX, applied for personal loan for XXXX at 36 months. I have attempted to complete the verification task of my drivers license and selfie over 6 times. I am very computer literate. When I get to the stage of taking a selfie, I attempt to take a picture of my face in the oval box as instructed. IT never works, it always claims no face detected. I tried this on 4 different devices all with the same results. Attempted a phone call on XX/XX/XXXX to XXXX, the call was very frustrating with the overseas representative and the poor connection. Obviously, a glitch exists in your computer software.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been waiting 8 years for wells Fargo to make it right .And I am tired

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 2021-11-08 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: NJ

Complaint narrative:
I never gave EQUIFAX permission to report anything on my consumer report. No conscent is identity theft. 
15 US CODE- 1681a ( 4 ) congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS of credit reporting. ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALLY, AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 
Also equifax shared my consumer profile with XXXX XXXX in regards to an account on my report I was disputing. I did not give EQUIFAX permission to reach out to transunion in regards to an account. On my consumer profile On XX/XX/XXXX. I discovered This information on XX/XX/XXXX XXXX. I was informed by the worker who name is XXXX. I dont agree with the actions EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SF VAGO, LLC
State: CA

Complaint narrative:
I purchased a car through a small dealership and StateFarm financed my loan. I've been paying the loan and insurance for 3 years now. Back in XXXX, my car engine mount broke due to a pothole. I look my car to XXXX dealership and submitted an insurance claim. The adjuster went there and looked at the car and said it had all these prior damages years ago before I got which made it a salvage title car so insurance wasn't willing to pay for my car. I then begin to check my statefarm documents because on my credit account it had a different vin that wasn't my car. XXXX proceeded to send me my loan agreement in the mail because I was curious due to the fact they don't finance salvage-titled cars. There it was on my loan promissory agreement it had the incorrect vin. My agent committed fraud so the deal could go through. I believe this is due to the fact one or two things weren't messed up about the vin it was a whole completely different vin and it's to the same make and model as my car down to the color. So yeah they definitely committed fraud to make my deal go through. I told specifically that a resolution I want bare minimum was to have my loan cleared because they were trying to just change vin to correct one. I'm like that doesn't work for me because my car is salvaged it was never supposed to be financed y you guys in the first place. My StateFarm agent was there at the dealership with me he inspected the car and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: GA

Complaint narrative:
I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.

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 2021-11-08 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: IN

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am a victim of identity theft which began by my personal items being stolen from me. Once I noticed what was happening by a fraud alert I received from my credit report, I immediately reached out to the credit bureau and each bank account/credit card account that was compromised. I spoke with Bank of America and listed each charge that was unauthorized, I made them aware that my phone and wallet was stolen and I provided them with a police report, FTC report, and also a detailed letter including all information needed to help a thorough investigation. After only 2 days, my claim was denied and the reasoning wasnt fair or justly. I did not provide anyone with permission to use my account and I dont understand why I am liable for these charges.

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 2021-11-08 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: VA

Complaint narrative:
My credit report contains inaccurate reporting by XXXX XXXX XXXX. They have incorrectly reported that my payment for XX/XX/2020 was not paid within 30 days of the date that it was due. 
I submitted documentation to the company that shows clearly that the payment was made and the mortgage subsequently sold in XXXX to a new company so XXXX was not to receive the XX/XX/2020 payment. So they should have no rating for the month of XX/XX/2020.

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 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Money was taken from my account as a result of an order from WI Department of Revenue in Wisconsin for the City of XXXX. I didn't get any correspondence from the City of XXXX or WI Department of Revenue. Wells Fargo didn't notify me of any orders to garnish my bank account. I currently don't have access to view my Wells Fargo account to submit proof of the garnishment at this time.

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 2021-11-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 32 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
DiscoverBank at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been reported as a past due balance. I do not know this company i have never done business with this company. this company does not have a contact with my signature. 

The Discoverbank account number on my credit profile is XXXX****. Also the open dates of this account is different between the credit bureaus showing an open date of XX/XX/2014 with XXXX and XX/XX/2014 with XXXX. the mere fact alone that the open dates of this account is different and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian online service will neither display a credit report nor allow me to freeze my credit. I've tried several times over the last several months, including today, XX/XX/2021. 

Experian requires payment of {$19.00} per month to display my credit report or freeze my credit, which goes against spirit and letter of the Fair Credit Reporting Act ( FCRA ).

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 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One is acting in bad faith in resolving XXXX XXXX dispute originally I sent them corresponding emails and letter in regards to XXXX XXXX not following through with are written contract as well XXXX XXXXl @ that time was not operating with proper insurance and bond to handle/store household items I immediately took possession from one of there XXXX XXXX XXXX and cancelled my agreement and put company on notice immediately and provided hard evidence of such, Capital One immediately gave me provisional credit months later Capital One took back the credit overdrawn my credit limit with 2 frivolous responses, quote I did not provide information they required XXXX XXXX  not to mention Capital one has denied credit increases on my secured line of credit different account as well failed to refund me me secured amount as I have excellent history, because all this it has caused my XXXX  Scores to go down and they are in-properly reporting high limits to hold me XXXX and preventing other companies to approve credit this is a tatic Capital One Adopts to monopolize the industry

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Attention : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX D.O.B XX/XX/XXXX Email : XXXX XXXX XXXX : I would like all of my unauthorized derogatory remarks removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account name : XXXX XXXX XXXX Account Number : XXXXXX Date file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Reason : THIS 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