vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates

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 2022-03-07 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: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and i try calling Paypal many time but they are not picking up, I received XXXX EUR from a friend and the funds is on hold, So i chatted Paypal up on there message center, they limited my account telling me that the funds will be on hold for 180 days, and i can't wait long. Please help me so that Paypal will release my funds. 

My Paypal email XXXX My Transaction ID : XXXX Sender Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
My husband and I obtained a FHA loan and purchased a home in XXXX XXXX XX/XX/2019. He told me to get out 4 days after closing. He moved his girlfriend in the home and tore the home up then moved to a more expensive owner finance home and put our home on Forbearance XXXX XXXX, under the CAREs Act, without my consent or knowledge through Mr Cooper. We had agreed to sell the home but he took it off the market when he received forbearance. Mr Cooper continued to extend the forbearance in spite of me asking them not too. We now owe {$16000.00} on top of the original loan. The husband and his girlfriend who has portrayed herself as me with Mr Cooper, and authorized herself to make decisions regarding this loan, requested a loan modification without my consent. I refuse to sign those papers because the forbearance was given without my consent and has now put us further in debt and facing foreclosure. I feel my husband did this to harm my good credit rating and make it impossible to borrow any money because I owe for this house. They want to keep the house but refuse to refinance in His name and pay me as agreed in XXXX. Mr Cooper explained to me they have told my husband that if he will get me to Quitclaim my interest in the home to him, that they can go around me and only require his signature to modify the loan, but I will still be held on the note as co borrower. So they are trying to force me into agreeing to owe more money than the original loan because of the forbearance they gave to him, claiming hardship, which isnt the case. He pays double fir his new home and was able to get out of payments on our home. My good credit is now suffering for a home I was never allowed to live in once he got me to sign the original note because his credit is bad. I am XXXX, have had to rent a place to live in XXXX he makes {$100000.00} per year and wasnt actually having a financial hardship, it was only to afford a more expensive loan. Ive asked Mr Cooper to look into the deceptive request for forbearance snd they determined he lived in the home, however, his mailing address on their contact info, has been to the new home he owns now. I believe he rented our home out while it was in Forbearance in order to pay for his new home. The loan is in the names XXXX XXXX and XXXX XXXX. I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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:
I have previously disputed with XXXX, XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-03-07 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:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-03-07 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: NJ

Complaint narrative:
Information on my report that has not been validated after sending in numerous identity theft reports and validation letters

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 2022-03-07 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: WA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-03-07 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: WA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They force closed an account on XX/XX/XXXX. It has been months now, and the 1400 I had in my account is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: OH

Complaint narrative:
My name is XXXX XXXX and I have been a victim of Identity Theft and am trying to get my life back. I submitted the proper documentation to all 3 credit bureaus and they have yet respond. By law within 4 business days they should at least block the information while investigating. The bureaus do nothing to protect us the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase will not comply with EFTA laws and regulations which states time to report fraud and theft to a financial institution due to extenuating circumstances must be extended to a reasonable time ( 12 CFR 1005.6 ( b ) ( 4 ) ; comment6 ( b ) ( 4 ) -1 ). I have XXXX and during my treatment ACHs in the amount of $ XXXX were taken from the account. The fraud started XX/XX/XXXX. Officials during this time rolled out restrictions due to Covid I was under directive to stay home. Executive order 20-91. Chase shutdown 1000 branches, the branches which stayed open had drive through. Chase had fewer internal control in place to stop fraud less likely to catch suspicious transactions. Even if I could have physically been able I could not have reported the fraud. On XX/XX/XXXX Chase customer service called me about a suspicious transaction I drove to bank to XXXX XXXX branch requested the help of XXXX XXXX he tried for over an hour to file a claim and didnt know how, he said to come back next day. I called XXXX XXXX XXXX and she filed the claim after banking hours. I was not physically capable to provide notification to Chase in XXXX due to XXXX, XXXX and three XXXXXXXX XXXX. The side effects XXXX  left me XXXX XXXX XXXX. Chase implementation of fraud prevention to identify ACH debits was non existent didnt red flag till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NJ

Complaint narrative:
Experian are still reporting FALSE information that has not been validated I have sent in numerous Validation letters along with identity theft reports

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 2022-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander Consumer USA Acct # XXXX $ XXXX IRS Publications 4681 ( 2021 ) Canceled Debt, Foreclosure, Repossession, and Abandonments. IRS clearly defines a charge-off as a gross or ordinary income. Income does not get reported on the consumer report which in fact Santander is reporting. Santander is reporting as well they sold the debt to a third party and they are reporting as well. 


15 US Code 1681n Civil Liability for willful non-compliance A- ( A ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER DUTY AS A RESULT OF FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, OR ( B ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE ANY PERSON WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUT A PERMISSIBLE PURPOSE SHALL BE LIABLE TO THE CONSUMER REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00}, WHICHEVER IS GREATER. 
C- Reporting information with actual knowledge of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: AL

Complaint narrative:
I have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached 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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash App has ABUSED, taken advantage of AND HAVE COMMITTED FRAUD on my intellectual property rights on my negotiable instrument. Once I entered my application with CASH APP they have been infringing on my intellectual property and have been profiting off my social security number which is a FEDERAL CRIME. While using the banking app CASH APP which is operated under XXXX XXXX which was opened with my social security number ; Account ending in XXXX. Pursuant to 15 USC 1666f and the Social security act, With respect to credit card ( my social security number ), which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit any such seller from offering a discount to a cardholder to induce the cardholder to pay by cash, check, or similar means rather than use a credit card. They have been charging me {$2.00} every time I use my insured account which is backed by the FDIC ONCE I OPENED THIS ACCOUNT. They have been stealing my money with fraudulent claims of " atm fees '' and " We charge a {$2.00} fee for ATM withdrawals in addition to ATM operator fees. We instantly reimburse fees when you get {$300.00} ( or more ) in paychecks directly deposited into your account each month. Once you've received qualifying direct deposits totaling {$300.00} ( or more ), we'll reimburse up to {$7.00} in ATM fees per withdrawal, and up to 3 withdrawals per 31 days '' which is false and misleading and was not conspicuously disclosed to me before I used my social security number for this consumer transaction/account being opened. They have been stealing money from my account and have been fraudulently doing so and justifying it with " company policy ''. 

Also I have several deposits of {$300.00} in one month or more so the fees should have been automatically reimbursed based off the information provided from cash app rep. So on account of that misinformation they are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I had disabled my card on cash app because I noticed a unauthorized transaction for just a {$1.00}. I called the company which was a construction site and they said there was no way it was them. The next day another unauthorized transaction tried to go through for XXXX in NY. So I immediately reported my card stolen. They were sending me a new card. A couple days later, before I even received the card, I enabled my card just for a few mins to send someone {$20.00}, and my card got drained. 3 more transactions to XXXX in NY totaling {$990.00}. I hadn't even received my card yet or even used it. I reported my card stolen again, I got a new account number, new card info and another 2 unauthorized transactions tried to go through but was declined because my card was disabled. I contacted XXXX, they tell me to contact Cash App. Cash App tells me I have to wait till the transactions are no longer pending. I file the dispute and they said they will contact me within 10 days. That was done on XX/XX/XXXX and XXXX. I contacted their support through the Cash App app. They tell me my cases have been escalated and the will notify me through email with a update. I just really need my money back, I live off XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: AL

Complaint narrative:
I have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached 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 non-monetary relief
Consumer complaint received 2022-03-07 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: AL

Complaint narrative:
I have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Investigation took longer then 60 days still no Supporting Validation Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks

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 2022-03-07 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: OH

Complaint narrative:
My name is XXXX XXXX and I have been a victim of Identity Theft and am trying to get my life back. I submitted the proper documentation to all 3 credit bureaus and they have yet respond. By law within 4 business days they should at least block the information while investigating. The bureaus do nothing to protect us the consumers.

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 2022-03-07 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: OH

Complaint narrative:
My name is XXXX XXXX and I have been a victim of Identity Theft and am trying to get my life back. I submitted the proper documentation to all 3 credit bureaus and they have yet respond. By law within 4 business days they should at least block the information while investigating. The bureaus do nothing to protect us the consumers.

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