vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
We are a XXXX XXXX in Texas and we have been attempting to retrieve the Release of Lien from The Loan Depot, and their Servicer, XXXX XXXX XXXX. We handled a purchase transaction for the seller, XXXX XXXX XXXX and XXXX XXXX XXXX. We have 3rd Party Authorization signed twice by the sellers, as well as a copy of their drivers license, a request by XXXX XXXX XXXX We wired payoff funds to XXXX XXXX XXXX XXXX XX/XX/2022. Multiple calls to the Servicer, letters and emails, phone calls, and a phone call to the CFO of Loan Depot, XXXX XXXX have not produced the Release of Lien. We have jumped through every hoop, and provided everything they have asked us to. We are approaching 120 days. I have attached our documented attempts to acquire the Release of Lien, Proof of wired funds, Payoff Statement, both 3rd Party Authorizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
XX/XX/2022 To whomever this may concern, Hello, my name is XXXX XXXX XXXX - SSA # XXXX. One of the main issues I would like to discuss in this complaint is the dispensation of E.I.P. from the U.S. Treasury, it's decision on recipients, and the severity of the unprofessionalism and misappropriation that has occurred on behalf of the respondant. With records to verify, I am a tax-paying citizen and continue to give my example of integrity and formality within U.S. border for the sake of present and future generations to advance in this country. The last impression I would want to experience from lead positions in this nation, would be something totally contrary to what our flag flys for. Notwithstading, the reality of an State of Emergency is not limited to an biological epidemic ; the lack of funding for maintenance and security during this multi-faced crisis is all the more severe for citizens who actually appreciate a platform of freedom. With tax preparation completed many months ago ; on top of prepaid+checking accounts activated solely for the E.I.P., I try not to become as frustrated as these circumstances have taken me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

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. XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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 explanation
Consumer complaint received 2022-09-01 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 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. XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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 non-monetary relief
Consumer complaint received 2022-09-01 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: NY

Complaint narrative:
Illegal use of info on my credit report, harassing me with info illegally obtained from credit report, discrimination and making assumptions based on info illegally obtained, some that has nothing to do with me, XXXX harassment by credit company employees and other individuals and harassment from a cult, harassment from government organizations, government employees, police misconduct, group stalking, neighborhood watch in my community harassing me for paying my credit card bills or going shopping and snooping in my private info and mail. I cant put my phone number in my accts because otherwise i get harassed by my phone services with illegal surveilliance and triagulation that result in me getting wrongfully pulled over, ticketed and all types of problems!!! Have to sue a city because every day i am harassed in my car with info illegally obtained by other people and organizations. IT IS NONE OF ANYONE ELSES BUSINESS WHAT IS ON MY CREDIT REPORT IT SHOULDNT BE PUBLICLY DISCLOSED WITHOUT MY CONSENT people shouldnt drive around me while im in my car trying to HARASS me with info from illegal background checks or credit reporting VIOLATION OF THE 4TH AND 14TH AMENDMENTS

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted a dispute to Equifax by mail on XX/XX/2022. No response to that dispute. Submitted a dispute electronically ( confirmation # XXXX ) on the Equifax website and the dispute was completely almost instantly with no corrections. I have a multitude of inquires on my account that need to be removed. None of these accounts disputed have my permission to pull my credit and are not attached to any open accounts either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
I contacted Edfinancial, my federal loan service provider, on Friday, XX/XX/2022 after the government announced student loan forgiveness. I make below the income needed to qualify for forgiveness and I received a XXXX XXXX so I would qualify for the full $ XXXX forgiveness. 

During the pandemic, I made {$9700.00} worth of payments. The Federal Student Aid website explains that I can request a refund for all payments I made during the pandemic due to the CARES Act. The refund would reinstate my loan balance on Edfinancial so it could then be forgiven as part of Bidens Loan Forgiveness plan. I understand actually cutting the check would take longer since it comes from the government but its Edfinancials role to ensure the request is submitted in a timely fashion and that the balance is reinstated promptly.

That Friday, I called Edfinancial to make the refund request. They said the refund timeline would take a minimum of 150 days. This processing time is completely different from that of every other servicer. XXXX, XXXX XXXX, XXXX, and XXXX are other loan servicers and are quoting 3-8 weeks turnaround time. I also know people with accounts at these services and they are already seeing the balance reinstated on their accounts. 

I called Edfinancial a week later on Thursday, XX/XX/2022 and asked to confirm when the balance would be reflected back in my account ( again, its my understanding that the government issues the funds, but the loan servicing provider reinstates the balance on their own accord ). Once again, Edfinancial said it would take a minimum of 150 days and that they would ONLY reinstate the balance after the check was cut by the government. They also blamed the government for why they cant reinstate the balance on my account more quickly even though other loan servicing providers do not have to wait for the government to reinstate balances. 

This is worrying for me since the balance has to be reinstated for forgiveness to occur. This means that I wouldnt see the balance on my account until XXXX at the earliest, which would be when interest rates and payments would resume. Additionally, Edfinancial is not able to provide confirmation on any of this. They said they will not provide written confirmation that the refund request has been put through. 

Again, they are the ONLY student loan provider that is providing this long timeline. Other loan servicing providers are already reinstating balances on accounts after a few days, but Edfinancial is saying this will take 5-6 months to a year. I understand that Edfinancial has a lot of requests coming in but so do the other providers.

It's concerning that Edfinancial appears to be misleading consumers with these long payment timelines that would put consumers at risk for losing loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX performed hard inquiries on my consumer 's report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX performed hard inquiries on my consumer 's report without my consent.

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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
In a recent transaction using PayPal I have begun to suspect fraudulent activity. I have tried on multiple occasions to contact the seller but have received no response. 



PayPal also said that their responsibility is limited, as this was listed as a service instead of a product. I wish I had been warned. 



PayPal has also said that they would get back to me by XX/XX/2022 at XXXX. Really? 



Hoping that you can intervene on my behalf. 



Many Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 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: NY

Complaint narrative:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer 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 explanation
Consumer complaint received 2022-09-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXXXXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # 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 an account without my written instructions.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation. 

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 2022-09-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXXXXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation.

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 2022-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to XXXX 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 4 months and my account is still frozen. I have given them everything they asked for and no one will help me. I gave them the final bank statement and their employee responded to me and said that was a letter. It is absolutely NOT a letter, ITS A BANK STATEMENT. Why do you need to hold onto my money so bad? Why is this still a problem when you received everything that was asked for?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
About a year ago, I started receiving spam calls about an attempt to collect a debt and I notified the company that this was not accurate and they have the wrong person. The company was aggressive and of no assistance in getting this removed. Instead, the debt was submitted to the 3 credit bureaus. I spoke with XXXX, XXXX, and XXXX about this issue and provided adequate documentation proving this was a fraud collection account and identity theft concern. XXXX and XXXX removed the collections account and place a fraud freeze on my account to prevent this from happening in the future. Meanwhile, XXXX has been of no assistance and continues to violate my rights as a consumer which grants me the right to a fair and accurate consumer report. I have spoken with XXXX for over a year and have submitted the documentation and they have not removed the account from my report despite the documentation provided. They have provided lenders with inaccurate reports causing false denials, which has hurt me significantly. XXXX does not have my accurate demographic information in the system which is even a further reason I know they have not handled my account correctly.

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 2022-09-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This is for the company : Zelle XX/XX/XXXX the transaction happened, and XXXX XXXX was notified and denied to reimburse me even though I have the Zelle persons information etc. I am not satisfied that I do not get reimbursed while the scammer goes unpunished. 

This person on XXXX XXXX XXXX, who had the name XXXX said he has XXXX tickets to outside lands, but would need me to transfer the money to his friend on Zelle. After transfering, I wanted the confirmation and he said the ticket office would email. They never emailed. I tried to write XXXX and call many times on his XXXX, no response. Then his profile disappeared with a new name XXXX, and the Zelle person I transferred money to deactivated their account! Because I have the Zelles persons email I wrote them and they pretending it is not them even though it is EXACT EMAIL. I demand I get reimbursed and they get punished! {$210.00} is a lot of money! Zelle and the banks are being not acceptable If you also need the email convos of the Zelle person who is pretending it was not them, let me know. This is completely insane

Company response to consumer: Closed with explanation