vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-04-11 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: WI

Complaint narrative:
I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.

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 2022-04-11 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: WI

Complaint narrative:
I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: TX

Complaint narrative:
There was an erroneous XXXX filed on my property. The mortgage company agreed it was filed in error however the lien has not been released. It is through HUD, I have emailed and called HUD multiple times and they advised me that it would be released as long as they had proof from XXXX XXXX that it was filed in error. They have that but i have not heard from them and the XXXX is still on my property as of today. I started this process on XX/XX/24 and am at risk of losing my locked in refinance rate because of the inaction of both XXXX XXXX and now HUD. I need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 explanation
Consumer complaint received 2022-04-11 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: Social Finance, Inc.
State: DC

Complaint narrative:
There are XXXX inquiries on my account that were not authorized by me. 


XXXX XXXX XXXX XX/XX/22 Sofi lending corp XX/XX/22 There is no phone number for this company.

Im not sure about the loan amounts because its not shown on my report. 

I have already disputed these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Sir/Madam, I did open credit charge dispute with Barclays Billing Disputes , case XXXX. 
They ruled not in my favor, although I did provide solid evidence. 
I did provide to them email from booking.com where they told I would be charged only for 2 days out of 6 booked. 

Narrative is as following : On XXXX platform I did book an apartment from XX/XX/XXXX to XX/XX/XXXX. 

Unfortunately, the building was experiencing periodic electrical outages due to the adjacent building construction. Plus, laundry didnt work. I do have friends who did witness this situation as well. 

I did contact XXXX, they further spoke with the apartment manager, and they offered me a solution- they will charge for 2 nights only, 4 will be refunded. Please, find attached email from XXXX  So, 6 nights was {$770.00}. 4 nights should be refunded- {$510.00} if we calculate $ XXXX nights = $ XXXX. 

So far, no refund has been received. 

Thanks for helping to sort this out. 

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 2022-04-11 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: DISCOVER BANK
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Checking on my report, I see that the XXXX XXXX  is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all 3 credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX and XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-04-11 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: WI

Complaint narrative:
I, XXXX XXXX, did not authorize nor benefit from any of the inquiries listed below that Experian decided to furnish. Pursuant to 15 U.S. Code 1681c-2, Experian needs to delete these fraudulent and harmful claims. Failure to do so will result in further legal action. If an Experian senior XXXX will certify under the penalty of perjury that I received goods or services as a result of any transaction, this need not apply to that particular inquiry. The required identity theft report is in the attachments along with the required identification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-11 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: FL

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

UNAUTHORIZED ACCOUNTS : 1. XXXX XXXX XXXXXXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX  Account Number  : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number  : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX Account Number : XXXX 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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I consolidated my collection debt with credit card in XX/XX/2022 and I am unable to submit my paperwork to all three credit reporting agencies therefore I am requesting it be submitted through your 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 2022-04-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 's US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPT ED XXXX XXXX, DEPT ED XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 The credit bureaus have failed to follow the law and have constantly ignored my requests to delete and remove these accounts 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 non-monetary relief
Consumer complaint received 2022-04-11 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: IL

Complaint narrative:
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 permission.

15 U.S.C 1692 C

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 2022-04-11 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
We have bought insurance on our property with our agent under a multipolicy discount ( my son and my mom have insurances on their houses or cars with the company ) and there was a leak in the bathroom pipes when we had snow inside the hosue, flooding the bathroom, bedroom carpet and the closet carpet. 
We filed a claim, and the agent and I spoke about it and he sent it to the XXXX. The XXXX told us to go ahead and contract the repair plumber and drywaller. We did not hear from them for days and the laborers stop the work until they are fully paid. 
The XXXX came back from vacation and told that the insurance contract that we had with the agent who resigned got refunded and terminated. And that another company took over, who is inside XXXX XXXX XXXX. 
The XXXX declined o pay the bill of the repair, and my mom has XXXX, and she got covid and I too, we had to be quarantined in our house and the smell by now was very strong and made us so sick. 
The insurance company did not even send someone to inspect the property at all and then when we called, they put a company by the name Mr COOPER as a payee and when we called them and gave our information, none of their loans matched my mother 's ( XXXX XXXX ) or my social security number ( XXXX XXXX XXXX ) and they told that they can not give information to us at all about this " debt '' because we are NOT in the loan, We called the title company escrow agent XXXX XXXX who closed on our home ( attorney escrow agent ) and he told us that the loan was probably done " in personality '' by the prior sellers after we closed on the loan. 
The bathroom repair costed XXXX and there is yet to replace the carpet that is moldy now and will affect our health and we do not have money to lend XXXX while they send an inspector to inspect our home. The claim was filed in XXXX, and it is almost 2 months now XX/XX/2022. I called the NM XXXX and told the agent I was going to file a complaint with the nm department of insurance because if the pipe burst inside the wall and lots of water rushed out and flooded the room, then it is due to a pipe damage covered under water damage, and all the consequences and damages stemmed from that. /all state then issued a refund of our policy and sent us back XXXX $ and cancelled our insurance to not pay the claim. 
They then retaliated and cancelled our insurance and returned our payment on our policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX has violated my rights.

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

15 U.S.C. 1681 section 604 A section 2 it aslo 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 2022-04-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
{$5200.00} in excess of my Wells Fargo Visa credit card balance was paid to XXXX. This transaction brought my balance to {$5200.00} more than what was owed. I attempted to transfer this balance to my Wells Fargo savings account and can not do so without incurring a cash advance fee and interest charges. Immediately called Wells Fargo Visa and my request was transferred to XXXX different representatives. The last agent was XXXX # XXXX, her position is Credit Card Customer Service Advocate. She indicated that it takes 30 days to transfer my money to another account without incurring additional fees and interest. I indicated that this was unacceptable because the money was mine and not the property of Wells Fargo. My money is in fact being held XXXX and will not be immediately transferred to my savings account. XXXX said that there is no further recourse except for her to open a complaint and provided case # XXXX. She said that this also could take up to 30 days disposition. It is my money and I can not immediately get it back without penalty or 30 day delay.

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Credit Card Issued by CitiBank, through XXXX XXXX XXXX. I applied at the XXXX, Tx XXXX XXXX store in person. When I applied the retail agent took my details and entered them into the system. She told me she had never done an application before but was willing to do it anyway. I received my card and went to the website as instructed to activate the card. The website informed me that I could not activate it online and to call a number which I did. While on the phone the operator told me that they could not confirm my identity using my social security number, the card number, my date of birth, nor any other detail I tried to give her because none of my details matched their system information. She went on to say that I could not pay the balance, nor could I talk to a XXXX until the verification process was complete. She informed me that the verification process would take as long as it would take and she was not allowed to tell me what form of communication the company would take to get in touch with the card holder ( myself ). She could not verify that XXXX of the addresses I gave her would be mailed to, nor how I was to be contacted ... but that the account holder would be charged fees and penalties until the balance was paid including debt collection services if required. I asked about paying as a third party which she denied saying that it would require a supervisor sign off and no such person was available today. She could not say when such a person would be available either. I am very frustrated because there is no way for me to prove my identity to Citi Bank, nor to XXXX XXXX Co. I have made XXXX calls today and have had all XXXX " dropped '' or hung up on. I waited on hold for a total of XXXX hours. No call backs and absolutely no attempt has been made to fix or correct the file. The company has refused to deal with me. I would like to cancel the card and close the account if it can not be corrected in a timely manner. If this can not be done I refute the charge as the person holding the card should not receive credit damages because of a serious company data fault. I highly recommend that XXXX XXXX remove the apply in store option if they can not teach their employees how to properly setup credit cards. It is absolutely horrifying that details were put in that I could not verify in person were correct and that these details are now potentially ruining my credit score with no ability to solve the issue.

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