vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Account " Status Update '' Date is INACCURATE and is falsely represented on credit report. " Status Update '' is showing XXXX of XXXX as the last status which is ILLEGALLY keeping the status on my credit report within the statute of limitations. If this account was allegedly charged off in XXXX of XXXX then the last " Status Update '' should have reflected XXXX. This account is reporting inaccurately, it is predatory and I want this account deleted from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
united auto credit has fraudulently over charged fees on a vehicle that is not valued no more than {$2000.00}. The account is closed and has an outstanding balance for over {$15000.00} reported still owed. I contacted the company on XX/XX/22 to request for a 1099 c form and was denied and was told that account must be brought to current status before releasing 1099c form to me. the agent then stated the vehicle was sold for XXXX and they received XXXX proceeds from sale. the agent then stated that the vehicle is not even close to be worth XXXX that is on my credit report. i asked the lender again for the 1099 c form to see what the value/cost of the vehicle they reported to the irs. was denied again. this company is using abusive tatics to charge outlandish fees for a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Marcus by Goldman Sachs Savings Account XX/XX/2023 withdrew XXXX to my XXXX  checking account XX/XX/2023 transfered XXXX from my XXXX  to my Marcus Savings Account XX/XX/2023 transferred XXXX to my XXXX  Checking account - money was put on hold after verifying through their electronic connect system to XXXX XXXX. 

XX/XX/2023 I call Marcus by Goldman Sachs to verify the XXXX  Account. another XXXX is initiated to XXXX XXXX on top of the XXXX that was requested on XX/XX/2023 XX/XX/2023 Three calls to Marcus Goldman Sachs and they can not find the funds. 

I'm missing XXXX in my XXXX XXXX Checking account as well as my Marcus Account. 

Marcus has given me a 45 day turn around on the complaint. I am missing XXXX. 

I removed all additional funds by wire to my bank account today because they are incompetent on finding my money. 

Dispute # XXXX They would not upload any information to my account portal and would only do snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The company has received a credit card debt from CITI back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
I want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope and pray you guys dont close out this complaint and take the time to actually pay attention to what I've written. This is in reference to Experians lack of investigation skills. This account with XXXX  XXXX was removed from my Experian report in XX/XX/2022. Experian illegally reinserted the account # XXXX. I reached out to the XXXX  and Experian advised them per XXXX XXXX they would investigate this matter. However, I have never receive any reply from the investigation. Im asking for CFPB to look into this and not allow the system to just close out my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
My credit scores on XXXX and XXXX went down 29 points each because it was reported I missed a car payment and my car loan balance went up. I have never missed a payment, I contacted Santander and the rep advised there was no notations of my total going up or late fees due to no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: VA

Complaint narrative:
This must be removed from my credit report. I do not own such account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A Citi AAdvantage XXXX XXXX XXXX XXXX was opened in my name without my knowledge. I called them immediately and reported it to Citi 's fraud department, then I filed disputes with the 3 credit report agencies, XXXX, XXXX, and XXXX, that the account was fradulent. So far, XXXX and XXXX have not allowed my dispute saying that Citi said the account was correct however when I call Citi, they say the account was fradulent and they have closed it, but they will not acknowledge this and update the report to the credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
The company Mr. Cooper sent me the mortgage statement in an open envelope and this contains personal and sensitive financial information. See image attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: VA

Complaint narrative:
I am never late in this account please remove the late payment remarks! This is ridiculous, there should be no late payment remarks here!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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:
I want to file this please as my formal complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit 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 non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has closed my personal, business and credit accounts for the reason of " business decision ''. I am not involved in fraud, illegal activity and/ or etc. 
Furthermore, they have frozen {$1400.00} of my credit card cashback rewards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identify theft yet again with Experian. I have no knowledge of this account with XXXX XXXX XXXX which has opened an account with my social security number and card. I am unaware about any of this and the FTC already has an investigation in motion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account " Status Update '' Date is INACCURATE and is falsely represented on credit report. " Status Update '' is showing XXXX of XXXX as the last status which is ILLEGALLY keeping the status on my credit report within the statute of limitations. If this account was allegedly charged off in XXXX of XXXX then the last " Status Update '' should have reflected XXXX. This account is reporting inaccurately, it is predatory and I want this account deleted from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Account " Status Update '' Date is INACCURATE and is falsely represented on credit report. " Status Update '' is showing XXXX of XXXX as the last status which is ILLEGALLY keeping the status on my credit report within the statute of limitations. If this account was allegedly charged off in XXXX of XXXX then the last " Status Update '' should have reflected XXXX. This account is reporting inaccurately, it is predatory and I want this account deleted from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
I checked my Equifax credit report and noticed I have 6 fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MT

Complaint narrative:
On XX/XX/2023 I contacted Credit Karma Money Support to report unauthorized transactions on my account. I had left town to take my XXXX XXXX XXXX to the children 's hospital in Denver and while I was gone my XXXX XXXX XXXX son would be staying with his father my ex husband. I left my son my debit card for emergencies or if he needed food he was allowed to use it. His dad found out about this and bullied my child and threatening him until he gave him the card and pin. He had my son extremely frightened so he wouldnt tell me. I was so busy at the hospital that i didnt check my account and if the bank sent a confirmation text I would confirm it as I believed it was for my child. My ex husband drained my accounts of thousands of dollars I contacted the police and pressed charges there was an investigation and it was confirmed to be them by store surveillance as well as atm. Credit Karma credited a portion of the stolen funds however have refused to return XXXX in ATM withdrawals claiming they where authorized which is inaccurate. Credit Karma has all the facts to prove these where unauthorized yet refuse to refund the money. My ex husband is a loser and has no money which is why he stole mine. It's highly unlikely that I will ever get the money from him so I'm dependant on Credit Karma to recover my stolen funds. This is a significant amount of money and they are simply deciding they can not follow the laws and regulations they are obligated to adhere to. I have exhausted all options and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
APPLIED FOR A SHORT TERM LOAN FROM NETCREDIT ON XX/XX/XXXX ; I WAS INFORMED IT WAS APPROVED PENDING PAYROLL VERIFICATION. TODAY, XX/XX/XXXX, I HAVE BEEN DENIED DUE TO " NON-VERIFICATION. '' IN TOTAL, I SENT XXXX EMAILS, CALLED 5 TIMES AND UPLOADED DOCUMENTS TO THEIR SYSTEM XXXX SEPARATE TIMES. TO DATE, I HAVE SUPPLIED THEM WITH BANK STATEMENTS, PAST AND PRESENT, XXXX STATEMENTS FOR XXXX AND XXXX, PAY-STUBS FOR XXXX AND XXXX OF XXXX, DRIVER 'S LICENSE, PASSPORT, BIRTH CERTIFICATE, SOCIAL SECURITY CARD AND TAX DOCUMENTS. NOTHING IS GOOD ENOUGH BUT THEY ARE GOOD ENOUGH TO RUN MY CREDIT AND KEEP ALL OF THESE PERSONAL DOCUMENTS ON FILE. THIS CLEARLY HAS BEEN A VIOLATION OF PRIVACY ON THEIR PART CONSIDERING THEY'VE ASKED FOR MORE AND MORE DOCUMENTS, ONLY TO DENY THE REQUEST. I AM EXTREMELY FEARFUL THAT MY INFO WILL BE USED FOR FRAUDULENT ACTIVITIES.

Company response to consumer: Closed with explanation