vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: LEXISNEXIS
State: AZ

Complaint narrative:
Is a Bankruptcy court file in my Credit Consumer what is not true And after I go to the Bankruptcy Court of Phoenix and speak with the Clerk they mentioned the Credit Bureau never check with the Court for authentic letters Also the Court will never provide any letters to the Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: LA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$1500.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$100.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ), balance is {$110.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My mortgage was sold to a new loan servicer called BSI Financial Services. The loan is a portfolio loan consisting of 7 properties. BSI Financial has only paid taxes on 1 out of the 7 properties using my escrow account. I have been following up with them since XXXX. It is now XX/XX/XXXX, and my taxes are still not paid. There are plenty of funds in my escrow account to cover the taxes. Also, there is now a 10 % penalty that needs to be paid due to the lateness. I am afraid there will be a tax lien on my houses. What is the purpose of having an impound account open with them if they are not paying anything out of it? I tell them to close my impound account, so I can pay the taxes myself. They say they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCP Holdings, L.P.
State: OH

Complaint narrative:
I've disputed this over a year now. I took out a {$400.00} loan out 8 yrs ago and the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX is charging me {$2800.00}. I told them that Ohio does not allow hundreds of percent taken on pay day loans and I would pay off at a reasonable rate.They told me they will not remove for another 7 yrs if I dont pay almost 500 % interest on a {$400.00} loan that should be charged off by now they bought for pennies. Original creditor NCP finance Ohio who also was in trouble for overcharging and being predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
The sold my mortgage on me and sent my payments back and now the hole foreclosure is so messed up no one wants to deal with it. 

They had me paying eight different companies over a two year period and my balance went up instead of down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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:
I saw some inquiries on my XXXX and Equifax credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the XXXX and Equifax in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my XXXX report and 2 unauthorized inquiries on my Equifax report.. They said they can't help me with. It ' is having a bad effect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data International XXXX # XXXX has been harassing me with a debt I do not owe. They have called me, my family, colleagues at work, and my employer. They have disclosed personal information, ( social security number, how much I make a year, how much my car was, and what they believed was my address. ) They have violated multiple Fair Credit Acts and broken the law. They have called me from 6 different phone numbers, over 30 times after I have told them to stop. They continue to violate Fair Credit Acts every time they call. This debt has never been verified. 

They have also violated 1006.30 This company is nothing but harassment and law breakers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AL

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 2022-04-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 2022-04-22 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: MS

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

XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX  XXXX XXXX has violated my rights First XXXXXXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights 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 2022-04-22 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, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXd { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 53432** 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 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF THE WEST
State: CA

Complaint narrative:
PLEASE SEE ATTACHED AFFADAVIT AND SUPPORTING DOCUMENTS

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Me ( XXXX XXXX ) and my wife XXXX XXXX XXXX XXXX had a checking account with Wells Fargo # XXXX. On XXXX, I found there was a transaction of {$1000.00} from our account through XXXX on XXXX. I called Wells Fargo immediately and told them this transaction was not authorized by me or my wife. We have no idea who did this. The bank person filed an online Fraud Claim ( case XXXX ). On XXXX, the bank sent us a letter said the transaction was made by XXXX, or someone who had our authorization. My wife called them again, explained that it was not us and we did not authorize anyone to make that transaction. The bank file another claim # XXXX and said they will give us provisional credit {$1000.00} while they investigated the fraud. We did receive the {$1000.00} credit. 
Then we are asked to close the checking account XXXX, and opened an new one : XXXX. 
But on XXXX, the bank reversed the provisional credit online claim XXXX without any notice to us. The took {$1000.00} back. 
I called the bank many times, persons on the phone just said they do not know the details and just read conclusive notes in the claim case. None does not take care this situation anymore. 
My wife went to the local bank branch, ( XXXX XXXX XXXX XXXX XXXX TX XXXX ). XXXX XXXX accepted our complain and filed a new claim number XXXX. She was told she will receive a phone call within 3 days. However, after several weeks, none called her from the bank. On XXXX, she called the bank and XXXX filed another case number for her : XXXX. By now, We still waiting, no result yet. 
In short, our money {$1000.00} disappeared from our bank account with Wells Fargo without our authorization on XXXX, we called the bank on XXXX. Wells Fargo did not give us an reasonable explanation, took provisional credit back and do not take care this anymore.

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 monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Financial, the servicer for my Lowes Store Card has been charging me a " Card Security '' fee which is set via a percentage of my balance, every month apparently since 2014. I use the card quite often and had never noticed it before. The problem is, I have NEVER signed up for this service, I refuse it on all of my credit cards as it is expensive and I pay my bills. I started going through statements as far back as the website would provide and there is a charge every month as far back as I can go. When I called to figure out what was happening the nice lady that helped me said it was a check box on my application -- I know I did not check it for reasons mentioned above. I have never and will never use that service.

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 monetary relief
Consumer complaint received 2022-04-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ON XX/XX/XXXX I SENT A CREDIT REPORT DISPUTE TO XXXX, EXPERIAN AND XXXX. XXXX REMOVED ALL OF THE NEGATIVE INFORMATION AND INQUIRIES. XXXX LEFT ONE NEGATIVE ITEM ON MY REPORT AND EXPERIAN LEFT SIX ITEMS THAT I DISPUTED ON MY REPORT. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE COMPLIANCE WISE THEY WERE REPORTING INVORRECTLY. XXXX AND EXPERIAN KEEPS SENDING THAT THE NEGATIVE INFORMATION HAS BEEN VERIFIED BUT DOES NOT TELL ME HOW. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE THEY DON'T COMPLY TO THE FCRA LAWS. I NEED THE NON COMPLIANT NEGATIVES REMOVED ALONG WITH THE UNAUTHORIZED INQUIRIES.

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I closed my Truist checking and savings account on XXXX XXXX and after closing the acct there was an unauthorized transaction l called disputed and told them once again on XX/XX/2022 to close the acct again I was assured it is a closed acct. On XXXX XXXX I was charged a {$10.00} maintenance fee and a {$35.00} nsf fee. I have called repeatedly and was on hold for over XXXX hours. I just called today again and was told to hold for XXXX minutes while she checked something that was XXXX minutes ago and call just disconnected. I called XXXX Truist banks to set an appointment to go over my acct but was told I had to call the XXXX XXXX number this could not be done in the bank. Please help!

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 2022-04-22 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: NM

Complaint narrative:
I'm a victim of identity theft. 
Someone opened multiple accounts and loans at SoFi Lending Corp AKA SoFi XXXX XXXX 
I have sent certified letter to SoFi Fraud department and a follow-up certified letter to fraud department and SoFi contiues to furnish this fraudlent account or accounts and fraudulent loan or loans information to Credit rating agencies. I also sent SoFi their fraud packet back with notarized statement on the identity theft report that SoFi supplied. I have called SoFi main phone number numerous times prior to and after sending the certified letters, and I have left multiple voicemail messages on the fraud number provided to me by SoFi and I keep getting the run around.

Company response to consumer: Closed with explanation