vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX employee at XXXX XXXX XXXX XXXX on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's XXXX items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he atlas refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just chime. chime is a secured acct Iam on safer credit building but have not gotten XXXX increase on my score. i tried to get a mortgage from the first-time home buyer XXXX hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. XXXX deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX myself where they XXXX mailed me a copy of the letter to all 3-credit bureau dated XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. XXXX has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because XXXX has been refusing to comply to the law by neglecting to do as told. XXXX refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only XXXX week. the other XXXX reporting agency did as i requested but XXXX felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only XXXX percent of XXXX 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. 
XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building chime. chime has no reported credit limit. XXXX and Equifax are XXXX my credit score. i disputed this with chime as well and it went in my favor because i am protected by chime with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022 I contacted Venmo customer support because I noticed XXXX transactions that I did not make on my account that totaled to {$440.00} cents. They canceled my debit card and are sending a new one but the dispute I filed to get my money back has now been denied. There reason is this ; you were still sending and receiving money during the time that this took place. Venmo has failed to do their job at protecting their customers and actually doing an investigation on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I tried getting my student loans removed from my account, student loans according to title 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer??? 
15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with AIDVANTAGE or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 719tXXXX 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 n 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 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 2022-08-12 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: NC

Complaint narrative:
yes the said account was opened XX/XX/2018 and its with XXXX XXXX XXXX XXXX in the amount of {$30000.00} i have reached out to the credit union and the credit agencies multiple times with no adequate response the account # for the said file is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CT

Complaint narrative:
I inadvertently disassociated my mobile number with my CashApp account on XX/XX/2022 which had a balance of approximately {$500.00} and completely lost access to these funds. I attempted to recover my account by contacting CashApp support and providing my account information. They claim they were not able to successfully complete the recovery process and said they could not assist me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
We were not used to borrowing before we bought our car back in XXXX, so we had not built enough credit before we contacted Santander for part financing to buy our car. They offered a very high interest rate and refused to refinance to a lower rate even after our credit rating improved to between XXXX and XXXX. 
So Sometime in early part of XX/XX/XXXX, we contacted another auto finance company to refinance our car loan which we have had with Santander Consumer USA for 2years. 
The new auto finance company requested Santander Consumer USA to provide them with the amount of our auto loan balance to enable them pay it and take the loan over at a much lower rate. 
Santander Consumer USA provided them with an overstated loan balance than what we actually owed. 
As a result, in XX/XX/XXXX, the new auto loan company sent a check to Santander Consumer USA in the sum of the overstated loan balance they were provided by Santander. 
Santander Consumer USA then sent us an acknowledgement letter in XX/XX/XXXX of the payoff in settlement of our account with them, and they further explained in the letter that they will reconcile our account and send us a check for any overpayment difference by XXXX XX/XX/XXXX. 
We called them after the refund check wasn't sent as promised in XXXX. We were told it will be sent by XXXX. We called again when we didn't receive the check in XXXX. 
Its now mid XXXX and the check has still not been sent, which is why we are filing this complaint. 
To send official correspondence or checks even by USPS, it usually takes 5 working days to any location within the US. 
We believe Santander Consumer US is being dis-honest in this case and this may be their mode of operation to intentionally hold on to funds belonging to others, longer than they should, as a source of funds or cashflow to advance their business objectives, at the expense of consumers like us. 
We will appreciate your assistance to recover the sums owed us please. 
Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I get daily emails offering various products that I do not need or want. Insinuating I can save money by refinancing when rates have risen over 2 % is deceptive and false advertising. 

Each email I get, I use the provided link to unsubscribe from solicitation emails, however, I continue to get these emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX 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 2022-08-12 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 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 n 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: NY

Complaint narrative:
Experian has my name wrongly listed on their reports. Instead of having my name as " XXXX '' & surnames as " XXXX XXXX '' they have my name as " XXXX XXXX '' and my surname as " XXXX '' They claim this is happening because the providers are reporting this information incorrectly, however I have called the providers ( and I have even reviewed this myself ) and my names & surnames are properly listed. The providers also argues that Experian is the only Credit Bureau reporting my name wrongly, which does not happen with XXXX or XXXX. 

However, Experian representatives say they can not do anything on their end and this needs to be fixed by the providers

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 2022-08-12 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 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 XXXX has me at a score around XXXX. 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 n 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 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 n 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX 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 2022-08-12 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: TX

Complaint narrative:
Follow-up complaint to resolution of complaint ID # XXXX. I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.

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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received an offer in the mail from US Bank regarding a sign up bonus for a business checking account in connection with a credit card that I already had with them. I signed up for the business checking account for my sole proprietorship on XX/XX/22. The bonus terms stated that {$500.00} of rewards points would be deposited into my credit card account after completing a few requirements for the checking account, including depositing {$5000.00} in new money into the account within 30 days of opening the account. I deposited {$5000.00} into the account from XXXX and completed all requirements for the bonus that month as well. US Bank is refusing to pay out the bonus even though I satisfied all of the requirements as they are claiming that I did not deposit {$5000.00} into the account. I have attached screenshots of the offer terms along with my account activity documenting the $ XXXX in new funds.

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: CA

Complaint narrative:
XX/XX/2021- I have placed several phone calls to this Clark County Collection Service, LLC, and never received a phone call back. 
I have written letters to have the company remove this debt from my credit report and to no avail, the debt is consistently staying on my report. I have disputed this debt with all credit bureaus.

Company response to consumer: Closed with explanation