vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I submitted my XX/XX/XXXX mortgage payment the overnight payment address at XXXX XXXX XXXX XXXX NJ XXXX was for {$2200.00} check number ( proof attached ) XXXX. 
XXXX delivered on XX/XX/XXXX ( proof attached ). I spoke to XXXX XXXX who stated it has not been received yet. 
The bank stated it was not cashed yet. 
I payed my XXXX monthly payment which they applied to XXXX and caused it to appear as though XXXX payment was not made. This is false. I contacted Ameri Home and a representative told me to email the research department at XXXX I did and called back in a week. This was XXXX XXXX. They stated Research did not have a phone number to speak to them directly. I continued to call and got a different answer each time. Some giving me a number that went back to customer service. By XXXX I spoke with a representative who told me I can not email this I had to fax the request to them. I faxed the request. On XX/XX/XXXX I received a letter stating the company determined the information was accurate. 
Regarding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: PA

Complaint narrative:
Experian has ignored my attepet to get help i cant login on the site and they ignore my letters i told them they are reporting the wrong info they rufuse to let me see report and they dont pick up when i call i have sent 11 lettters and still no repose from XXXX now it's XXXX now

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 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My privacy was breached by Transunion, XXXX, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX! XXXX, XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the last six months Ive sent that multiple FTC reports disputes to regional acceptance in reference to a debt that I do not owe. The debt is fraudulent. I do not assume responsibility for this day it is not my debt. Not sure of how it keeps coming back verified. I have requested something with my signature in my information which can not be provided because Ive never done business with this company Ive never entered into a sign written contract with this company I demand that this debt is removed from my credit report to date 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 2022-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I, XXXX XXXX the consumer sent a Cease & Desist and a Debt Validation letter certified mail to Nissan Motor Acceptance. They have received/signed on XX/XX/2022. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a complaint about Transunion, because they were furnishing my information without my permission, which is illegal. They responded back to me with a stalling tactic on the XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My account was closed with Citi bank XX/XX/2021. Still have not received my money from account. Any time I call. I get hung up on

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 2022-03-12 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: FL

Complaint narrative:
For the last six months Ive sent that multiple FTC reports disputes to regional acceptance in reference to a debt that I do not owe. The debt is fraudulent. I do not assume responsibility for this day it is not my debt. Not sure of how it keeps coming back verified. I have requested something with my signature in my information which can not be provided because Ive never done business with this company Ive never entered into a sign written contract with this company I demand that this debt is removed from my credit report to date 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 2022-03-12 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: FL

Complaint narrative:
3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX  {$6500.00} 2. XXXX XXXX XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report and identification

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 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts

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 2022-03-12 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: OH

Complaint narrative:
I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts

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 2022-03-12 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: NC

Complaint narrative:
XX/XX/22 - I sent a certified letter to Equifax requesting removal of unauthorized inquiries from credit report. I also asked that if they are verified to provide proof of any documents showing my authorization for the inquiries. 

XX/XX/22 - Received response from Equifax stating that all inquiries were verified and will remain on my credit report. The response did not include any proof show my authorizations for the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX {$6500.00} 2. XXXX XXXX XXXX XXXX$750.00} 3.XXXX XXXX XXXX$600.00} Please see attached FTC report and identification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: MO

Complaint narrative:
I filed a dispute claim on transactions in my Robinhood account. They immediately assumed I was doing something out of their terms and conditions and dismissed my claims. I replied giving evidence that I was not violating their conditions but the next email I got dismissed the evidence and just repeated what the other email said. So I replied with the evidence and explaining why they should investigate my claim. After weeks of this back and forth and waiting for them to reply. I get a final email saying they can't help me with my dispute. They never even tried to help me or see my side they just kept dismissing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened Capital One Credit card XX/XX/200. I have kept the card clean and pay my bill on time. 
Recently when making a payment from my online account. I had a lock on the account and the payment was returned. When XXXX realized the lock I unlocked the account and resubmit the same amount of payment of {$2000.00} and it went through. But before long I noticed that my account has been locked. I called Capital one to unlock my account. I verified all the info they needed but they did not unlock the account. Besides they discriminated me using discriminative language such as this is done just to you. And other talk down language such as it seems you dont understand this complex concept. 
I reported the incident and that my account has not been open to the supervisor. She promised to contact me another time. From that time I called about 5 times and I couldn't speak to the supervisor. She said she can not provide direct line to resolve the issue but she is the only one who can resolve the issue. However, when I call they tell me she is not available and she never tried to reach out again. 
Recently I paid the accout off and requested for them to unlock my account. They have not unclocked the account and they are threatning to close my account. 
I believe this is just the continuation of discrimination, intimidation and put down to close the account that has been and it is in good condition for more than XXXX. I feel that Capital One is overstepping their authority and they are exercising financial abuse to a good customer for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
On XX/XX/2022 I contacted the debt collection company by the name of 'Credit Control Corporation ' to receive information about a debt they claim I owe and a possible settlement agreement. Specifically, I talked to their 'XXXX XXXX ' department. The debt amount in question is {$170.00}. After talking to the caller over the phone they told me that they would be able to agree to a settlement of about {$100.00}. So instead of paying the {$170.00} I would only need to pay {$100.00}. I agreed to pay the amount of {$100.00} to settle the debt, however, when I requested for them to send me a written agreement they said that they wouldn't be able to send me a written agreement and I would have to make due with a verbal agreement and give them my payment information over the phone. I decided not to pay at that moment. I wish to pay off this debt in full at the agreed amount, however, I believe they are acting in bad faith and do not trust that they will only charge me {$100.00} to end the debt once I give them my payment information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My privacy was breached by XXXX, Equifax, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX! XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TN

Complaint narrative:
My privacy was breached by XXXX, XXXX, and Experian. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : XXXX XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX! XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief