vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts [ Wells Fargo and XXXX XXXX ]. After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I found inquiries that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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:
Im writing this because of inaccurate information on my credit profile thats need to be removed deleted from my profile. The accounts will be listed in my ftc identity theft 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Contacted bank about monthly fee waive options. Qualified as monthly direct deposit of paycheck, gov't checks etc. 

Indicated I do my own payroll and pay myself. Told that I need a payroll company to direct deposit my pay ( check )? Hire a payroll company to do one payroll.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized inquiries 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had identity theft and I reported it to the police on XXXX XXXX XXXX I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I approached bank of america for a HELOC towards the end of XXXX. Following the underwriting process this HELOC opened in XX/XX/XXXX. 

As per the HELOC terms and conditions explained to me by the Loan Officer on a recorded line ( which I dont have direct access to at this point ), if I met the follwing 3 conditions, a discount of 1.5 percentage will be applied to my rate ( prime + .18 % ) : 1 ) I should draw down aleast XXXX USD at closing 2 ) Do not pay back any additional principal for 1st 4 months 3 ) Use autopay from my checking account to pay the HELOC dues I met all three of these conditions. A preferential rate, which was lower than the prime rate was applied for the first few months by bank of america. After six months these discounts were withdrawn and now I pay a rate of 8.68 % ( prime + .18 % ) on my HELOC balance, insead of 7.18 % discounted rate as per original agreement. 

When I enquired with bank of america they explain that my current rate of 8.68 % is inclusive of all the discounts discussed before closing. This was not the way the HELOC discount was explained to me during the sales process. Also when I request Bank of America for a copy of the signed agreement that reflects the applicable interests, they send me a PDF document online, that is corrupted and can not be opened on my computer. The HELOC details are below : Account number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA 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 2023-09-05 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the Fair Credit Act 15 USC 1681 codes ( a-J ) I have a right to a fair and accurate reporting of my credit. 
EXPERIAN and XXXX have continually vilolated my rights and continuaally report inaccurate and balatant fraudualnt info on my report. I have sent the FTC ID theft Affidavit report back in XXXX of XXXX  to report of the errors along with settement notices of XXXX data breach that involved my name. 
Experian and XXXX still shows adresses that are not mine nor have I ever lived anywhere near these addresses. 

XXXX has the adresses of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian has XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The account XXXX XXXX the account wasn't verified because XXXX doesn't have this account with my address this account is at an unknown address and EXPERIAN and XXXX has lied saying they verified. 
XXXX XXXX account has been inputted again with a 4 different numbers for the same account. # XXXX # XXXX and this account was notified of ID theft back in XX/XX/2022. 
My name is XXXX XXXX but EXPERAIN has refused to update my name and is still showing fraudualnt names. 
XXXX XXXX XXXX is not my name. 
Iwant these accounts deleted a or compensate me for my traumatized time I have tried to rectify theses violations of my consumer rights! 
I have attached the a copy of the FTC affidavit I have filed with them in XXXX along with my XXXX data breach notice along the a new Affidavit To show proof of two diiferent numbers for the same account. 
I have also attached acopy of my credit report to show poof of blatant inaccurate errors on my 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 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC
State: MO

Complaint narrative:
In XXXX of XXXX I mailed out debt validation letters to two separate companies that are showing in my credit report. XXXX and Rise both have a collection account on my credit report and have ignored my communications. Rise has mt address listed in a state I have never lived in and will not delete or show me any proof that this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized inquiries 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 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NV

Complaint narrative:
HUNTER WARFIELD INC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was unemployed and they still wanted me to make payments. When I was employed I was working at a temp agency making only enough money to cover my rent and bills and they STILL would not lower my payments based on my income. When I was telling them of my situation each time they made excuse on why they could not or would not lower my payment. When I was unemployed a csr agent advised me to sell my plasma. I thought it was rude of them to ask me to do something like that. But I did not know who to complain too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
hi cfpb, i got a new device and Im trying to login to chase.com but it wont let me. 

please see the screenshots below. 

when you click on have a question, and look under how do i get a one-time code? 

it SAYS it gives you the option to email you a code, but THERE IS NO OPTION in the tell us how cfpb, there is no way you are hearing this for the first time. meaning that you let chase do whatever they want to do. 

cfpb, i know you think consumers are stupid. you are a partner with chase. you let chase do whatever they want. this is affecting more consumers besides me. 

you dont think chase knows their login works? really? 

chase is a predatory financial corporation. they dont even allow their OWN customers login! 

cfbp needs to stop this predatory financial corporation from taking advantage of consumers. but cfpb is partners with predatory financial corporations so this wont happen ; ) I am requesting {$1000.00} for this predatory behavior and they must meet allow the email option for the code within 3business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted this information in the past and attempting again due to claims of not finding my consumer report and to do so as a good faith attempt. In Addition to the federal violations, you are also violating state laws as a result of violating my right to privacy as it relates to my consumer credit reports ; North Carolina General Statutes Section 14113.20 : Focuses on obtaining, possessing, transferring, or using someone's personal identifying information with the intent to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX with account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( 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 2023-09-05 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX had a system glitch and posted a transaction to my account XXXX times on XX/XX/23. My bank, USAA had no fraud detection or alert that went through and allowed {$7400.00} to be withdrawn. XXXX has acknowledged they had a system issue and this was an error and they issued a refund however USAA will not release the refund and they state its because XXXX could recind the funds. USAA also will not issue any kind of provisional credit while they investigate. We have called USAA every single day since this happened and they have not helped at all except to tell us they dont when we will have our money. We have been left with no money for 5 days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
A collection of {$650.00} on XX/XX/XXXX popped on to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$690.00}

Company response to consumer: Closed with explanation