vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: IL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-21 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: CA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CA

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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-04-21 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: CO

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 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-21 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: CO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Other accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-04-21 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: NJ

Complaint narrative:
Accounts on my report I do not recognize

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 2022-04-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Act # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, and XXXX XXXX XXXX Act # 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 2022-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
For more than a year I am trying to find a loan to pay off SLS since they have refuse to make a loan modification or continue making payments, I have tried to refinance and they refused to provide information the underwriter have requested to process the new loan. I am trying to refinance with another lender they requested XXXX mortgages statements and the pay off. The last mortgage statement shows {$52000.00} dollars and the pay off is almost {$100000.00} dollars. 
I do believe that this is a scam and a sort of a predatory lending to make harder and harder for me to find a refinance to pay them off If I don't close a new loan by XX/XX/XXXX. they threaten me with a foreclosure sale on XX/XX/XXXX. even though I have a XXXX XXXX XXXXXXXX as a first lien.

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 2022-04-21 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: IL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
im apply a business card at barclay websilte. and received the result said is reject, call the customer service said need to provide the share holder information. 
our company is a XXXX , we have 2 share holder is XXXX i talk the the customer service said they only on 10 % of the company each and not the use person, do not have the ssn and the XXXX id ask what need to provide. they just call me back said the backend just request XXXX passport to process. after i submit the document, they said they do not accept any foreign document. you can reject the application. but the rep ask the document to provide, after i provide the document you request. the result is reject this document. it's joking to the customer. 

my application id 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 2022-04-21 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: NY

Complaint narrative:
This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) Remove this amount reported falsely on my report immediately. This company failed to verify and prove this debt belongs to me and that the information reported is accurate. 

This company claims an account was opened on XX/XX/22 ... .. provide original documentation proving this to be a mutual contract agreement. Also provide the invoice showing why this money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Foris DAX, Inc.
State: NC

Complaint narrative:
I have {$38.00} in my crypto.com account. I have asked the company to release my funds, but they require a minimum withdrawal of {$100.00}. However, I have explained to the company that I do not have any money in my bank account. I think my balance is currently negative at the moment, so I have tried to get them to understand that I can not add money to my account to meet the withdrawal minimum. Despite this, they have given me no option in which I can access my funds without adding more money into my account. If I try to add money, I will be charged a {$30.00} overdraft fee by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-21 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:
This complaint is being filed because of the constant non-compliance of TransUnion. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/2022 I mailed a letter to TransUnion challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX. I recd a letter alleging that I was a Credit repair Company. On XX/XX/2022 I wrote another letter and mailed it certified to TransUnion informing them I had recd no response and pointed out to them inaccuracy being reported. I requested account be remove due to inaccurate reporting. The account number was different from XXXX and XXXX so I requested correct account number. The address given for the alleged account owner was also inaccurate and different from XXXX and XXXX. On XX/XX/2022 I received a letter from Transunion that the account was verified accurate and updated. On XX/XX/2022 I mailed a certified letter to Transunion Attn : Dispute Manager I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX and XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX Law. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Why is this account still on my credit report? When I sent proof, it should be deleted.

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 2022-04-21 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: GA

Complaint narrative:
This loan/ credit card was taken out due to identity theft. It does not belong to me, I have never applied for or received a loan/credit card from them.

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 2022-04-21 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
This loan/ credit card was taken out due to identity theft. It does not belong to me, I have never applied for or received a loan/credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
was asked by a representative of South East Toyota Finance if being behind by less than one payment was due to covid, I supplied proof that this was the in fact true. Since then i have continually received upwards of 6-8 phone calls and voicemails in a singe day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
In late XXXX an exercise bike from XXXX showed up at my door. I did not order this bike, and I started getting text notices then written notices from Citizens Bank/Citizens XXXX about a balance owed in the amount of {$1200.00}. 

I have contacted Citizens regarding this matter, stating that I did NOT open a line of credit with their organization. I have four credit cards with more than {$80000.00} in available credit. I wouldn't need a line of credit. Citizens has twice denied my claim of fraud and has stated that my account stands. I have not been provided with any proof that I opened a line of credit, when or how it was opened, what documentation was provided to open it. I also have been unable to speak with a representative from Citizens -- all they have given me is an email address to write to and explain my situation, which I have, but I have received mail from them twice now stating they are denying my claim of fraud. 

When I contacted XXXX about receiving their bike, the customer service agent there said my account was opened using an email address that is not associated with me, and that my account was flagged as high risk of fraud. They issued a return shipping label, and the exercise bike is on its way back to that company. That's good customer service.

Citizens has not provided me with any information regarding how this situation happened, nor have they made anyone available to discuss the matter. This purchase is showing up on my credit, which is should not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX HSBC issued a online bill payment, as requested through their app, of {$5800.00} to XXXX XXXX  This payment was cashed by another entity on XX/XX/XXXX that is not XXXX XXXX  as evidenced by HSBC 's proof of payment ( see enclosed ). XXXX XXXX also signed an affidavit saying they did not receive these funds and sent this affidavit to HSBC on XX/XX/XXXX. We were forced to pay these funds again to XXXX XXXX  since HSBC lost the funds. We are waiting for HSBC to respond. They have been claiming, since XXXX that they are " investigating '' and yet, it is now 2 months later and they have failed to reimburse us for these funds and are no longer responding to follow up calls or emails. Please help. 

I'm enclosing the proof of payment provided by HSBC showing that they paid the wrong entity. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation