vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I sent my letter off. I told the credit bureaus to " Names, Addresses, Phone Number and former employers '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

I wanted them to delete all multiple names, addresses, phone numbers and Former employers " XXXX XXXX XXXX XXXX '' and they did not delete them. I have multiple names on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-08-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax Credit Bureau sent letters stating they are unable to find my file. This is fraudulent because I call XX/XX/2022 and XXXX was able to verify me and pulled my file. I also applied for XXXX in XXXX and Equifax/Equifax Credit Bureau was the credit agency they reference and Equifax/Equifax Credit Bureau provided XXXX with my file with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I CALLED THIS COLLECTION AGENCY THAT MY MORGAGE COMPANY SAID I HAVE A JUDGEMENT AGAINST ME..I PULLED MY CREDIT REPORT TO SEE BUT I DIDNT SEE THEM ON THERE. SO I CALLED THEM AND THEY TELL ME ITS A XXXX DEBT FROM XXXX. I TOLD THEM I DIDNT HAVE A XXXX XXXX MY EX HUSBAND DID AND IT WAS ON OUR DIVORCE DECREE THAT HE WOULD BE RESPONSIBLE FOR HIS BILLS AND HE SAID IT WAS IN UNDEER MY SOCIAL WHICH HE TOLD ME THE SOCIAL OVER THE PHONE I ASKED HIM HOW HE HAD THAT AND HE SAID IT WAS FROM THE DEBTOR.. I SAID NO BECAUSE I NEVER HAD A CARD FROM THAT COMPANY OPEN IN MY NAME HE ASKED ME IF I WAS PAYING IT AND I SAID NO IM NOT PAYING MY EXES BILL THAT IS NOT MINE AND I NEED IT DISPUTED AND HE SAID SO YOU ARE SAYING YOU WONT PAY IT AND I SAID DID YOU NOT HEAR I HAVE NEVER HAD A XXXX CARD AND IT IN LISTED ON MY DIVORCE DECREE THAT MY HUSBAND WAS THE ONE WITH A CARD HOW DO YOU HAVE MY SOCIAL SECURTY # HE SAID ARE YOU REPORTING THIS AS FRUAD. I SAID YES I JUST TOLD YOU I READ HIM OFF WHAT IT SAID ON THE DIVORCE DECREE AND HE JUST KEPT TALKING ABOUT HOW HE DOESNT CARE AND IT WAS ISSUED BY THIS BANK IN BEHAVE OF XXXX AND I TOLD HIM IF WAS MINE HOW WOULD XXXX GRANT ME A CARD NOW THEY WOULD DENY ME..HE SAID BECUASE THEY ARE DIFFERENT BANKS AND I SAID YES BUT IT WOULD HAVE BEEN on my credit these Last 9 yrs o i looked at my report this weekend and that name has not been on there.I still get all the debt collector harassing me all these yrs over my exes bills.can I please have this removed so i can buy my house that was awarded to me in the divorce from my ex please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The company macys failed to provide the disputed account payments history for XXXX XXXX XXXX. If the company can't provide such information this account is considered over 7 years old and should be deleted/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 explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Their website does not allow for homeowners to indicate where funds should be assigned to. I have been paying a little over my monthly dues and as of today my principals has not changed, I'm seeing a negative escrow answer when I asked to speak to some today, XX/XX/15 @ XXXX ( XXXX ) I ended having to deal with an arrogant, immature representative who placed ne on a long hold so that I could hang up. This is always the situation with Selene. Their Representatives are rude, disrespectful and never want to assist. I would like a payment analysis and an escrow analysis as well as a principal analysis as I have strong feeling that they are not putting any money towards my loan. When I asked the representative to plenot speak over me and to allow me to speak she hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NC

Complaint narrative:
As submitted to the CFPB on XX/XX/22 complaint number XXXX, Equifax confirmation XXXX XXXX Equifax reinserted previously deleted accounts # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX were reinserted into my credit file without notice. As a result of the complaint, EQUIFAX DELETED XXXX XXXX XXXX, XXXX DELETED, I pulled my credit report confirmation number XXXX and EQUIFAX has reinserted previously DELETED accounts and once again did not provide notice per the FCRA. XXXX XXXX XXXX Reinserted violation XXXX reinserted previously DELETED violation Reinserted XXXX XXXX XXXX previously DELETED violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, have 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.

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 2022-08-15 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 Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX COLLECTION XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXXXXXX XXXX XXXX XXXXXXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
I contacted XXXX after undergoing XXXX about charges I did not authorize and also sent XXXX a copy of the police report. XXXX  fail to investigate and fail to do anything about this account and the unauthorized charges. As of today, XXXX has done nothing but ruined my credit report, have debt collectors harass me along with selling the account to junk buying debt collection companies. I contacted an attorney and will be filing a lawsuit against XXXX, XXXX and Credit Control for harassing me with a false account and monies I dont owe. I even asked XXXX for copies of signed receipts and signatures and check counters and still no information. XXXX allowed these unauthorized charges while I was in the hospital receiving XXXX. I will not stand for this at all. I am not sure why they are trying to settle with me on an account that I did not authorize charges. I would like to receive a copy of every receipt and signature for each and every transaction. I do not owe any money to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS 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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My Capital One credit card had a Rewards Balance of {$130.00}. This credit card has been in use over 2 years - long term customer. Each month a credit card statement is mailed to my po box XXXX and then a check payment is mailed into Capital One, paid in full. Standard procedure. So I called to redeem my Rewards Balance, electing their option to receive a cash back check in the mail. Suddenly my po box is not a good mailing address to mail the cash back Rewards Check, and they don't believe I am who I say I am ( apparently a fraudulent good samaritan is retrieving my mail and paying my bill each month ). Capital One wants me to email them a copy of my drivers license, which I do not trust for identity theft purposes, as this puts me more at risk. But surprise, surprise, they are able to process an account credit instead, no problem- i.e. Capital One is " steering '' consumers to only doing an account credit. This is my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I sent my letter off. I told the credit bureaus to " Names, Addresses, Phone Number and Former employers '' on my credit report. I have listed below. Also I have attached the letter I sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had earlier filed a complaint regarding Barclays Bank Delaware not reporting my correct SSN hence hindering my finances and just now I got the attached letter from my Realtor stating I'm going to be responsible for an extension to close on my home. 

Please Barclays bank Delaware should do the needful by updating my account correctly to reflect my SSN in order for me not to loose this much money before XX/XX/2022. 

Please see the 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 explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Contacted by email for services to be provided by contractor to send 50 % down through XXXX. {$330.00} was sent on XX/XX/2022 using my bank account with Wells Fargo. On XX/XX/2022, contractor called stating their email had been hacked and fraudulent requests were sent asking for money. I contacted Wells Fargo immediately explaining the situation. A letter arrived XX/XX/2022 denying responsibility for fraud. Fraudulent requester said to send money to his secretary named XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: TX

Complaint narrative:
I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Transunion, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts ; XXXX XXXX  XXXX XXXX  account number XXXX XXXX  XXXX XXXX account number XXXX XXXX  XXXX  XXXX  account number XXXX XXXX XXXX  Account number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX  XXXX  account XXXX with opened date XX/XX/XXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802XXXX Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.

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 2022-08-15 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: NY

Complaint narrative:
This letter is my FINAL formal complaint that you are reporting inaccurate credit information on my credit report. I have filed complaints thru the Consumer Financial Protection Bureau on XX/XX/21, XX/XX/21 and XX/XX/21. I am very distressed that you come back every time after your investigation that this information was verified. The information I am disputing for the very last time is XXXX XXXX XXXX. The balance owed is incorrect. You are reporting {$5100.00} when the balance is {$4300.00}. I have attached 2 sets of documentation to this complaint for you to review. One of the documentation is taking straight from XXXX  Website under my account. The other documentation is a screenshot showing that you along with the other 2 credit bureaus are each showing inconsistencies. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. With the proof I'm attaching to this letter, I'm sure you'll agree, you either correct this or it needs to be removed as soon as possible. I am a litigious consumer. This is my 4th and final time asking to correct or remove this inaccurate information, if you return back that the information currently on my credit report is verified and accurate I am filing a lawsuit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
It appears that all my mortgage payments have been going towards interest and not reducing my principal. This fraudulent practice has also occurred in the past and was rectified but it is now occurring again for 2022. Wells Fargo Home Mortgage is the financial institution. There has been no reduction in principal for greater than 9 months despite all mortgage payments being paid on time. I no longer have faith in the business practices and honest servicing of my loan with Wells Fargo Home Mortgage.

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 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2022, Rocket Mortgage made a hard inquiry on my credit reports. I had a current mortgage with them ( still do ) when they contacted me to ask if they can do an assessment to see if a better mortgage product was available for my situation. I told them I was happy with my 15-year mortgage and 3.25 % rate. As the rising interest rates had already begun at that time, I knew I had the best rate I could get. I was completely happy with what I had. 

The lady kept talking about it and said she could do a quick assessment of my situation. I did not want this until she called me and browbeat me until I finally told her okay. I was under the impression this would be a soft inquiry, otherwise I would not have agreed to it ... because again, I did not contact them, nor was I seeking a new loan. 

I remember her having me say yes on the recorded line, so I don't know if there is anything that can be done, but that practice is slimy, sorry, and predatory. I am an educated person ( XXXX XXXX ) and I still fell victim to this underhanded behavior. Even if you can't help me, they should be stopped from maliciously hurting people 's credit scores. 

Thanks!

Company response to consumer: Closed with explanation