vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
XXXX XXXX issued me and my ex-wife a check ( # XXXX ) in the amount of {$15000.00} in XX/XX/2020. The check has both my name AND her name on it. 

However, Schwab bank improperly deposited the check to her " personal '' account without my endorsement at the back on XX/XX/2020. The money belongs to a loss claim of a house that was awarded to me in the divorce. As of now, the money is still in her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX of XXXX XXXX and allegedly according to Santander Consumer USA I made agreements with to pay monthly installments of {$510.00} for 75 months and made a {$2000.00} down payment. Although the car had a used sticker value at the time of around {$17000.00}. The initial balance was {$19000.00} and so far ive made 41 installments on this loan 3 of which were late none exceeding 30 days. I still owe a balanced on my credit report of {$13000.00}. The last three months i have not been able to make the payments, due to my vehicle not being able to run for the past 5 months and now needing a new engine because of a mistake a mechanic made on the car. Also my business recently has been running into some low income and the rising costs of my rent, utilities and other bare necessities has been making the payments very difficult. Its is one of a few things that is causing my entire family of six a massive mental hardship. For this has not only lowered my credit score and but the creditor has already threatened to put derogatory marks on my credit and even some instances where they mentioned collections. Which will do nothing but just subtract points from my low credit score. This is something that has prevented me from buying a home for my family as well as withholding my ability to utilize my credit in the ways I intended. The balance is the largest balance on my credit report and can and i can ill-afford and will not be making any future payments to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
I have contaced Equifax and XXXX regarding my hard and soft inquiries, and they refused to do anything. XXXX stated again, they do not follow US federal law and only their company policy! Which have violated my privacy! 


The list of accounts below has violated my federally protected consumer rights to privacy by obtaining a hard inquiry and soft inquiries : XXXX-Has violated my rights to privacy Equifax-Has violated my rights to privacy XXXX XXXX XXXX  Usa- XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 2022-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
In XXXX I submitted my complaint pointed out how the Servicer - Rushmore Management LLC provided me with a Re-Instatement figure and in that Re-Instatement figure how it included payments that I had already submitted payment for via their attorney on XX/XX/2021, and how because of Rushmore 's error how this has resulted in me being denied assistance from the XXXX program in my state of XXXX 

In Rushmore 's response to me they asked me to provide them proof that I paid them {$6000.00} on XX/XX/XXXX with. For perusal I am attaching the canceled check from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In XXXX I walked out of XXXX XXXX  and XXXX XXXX XXXX XXXX. Walked into a Guitar Center with a POCKET FULL OF CASH! Paid in cash for things SUCH AS : XXXX XXXX XXXX ( {$1200.00} ) XXXX XXXX  XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$400.00} ) XXXX XXXX ( {$400.00} ) XXXX IXXXX XXXX ( {$400.00} ) The team at THAT TIME saw potential to steal from my pockets while shopping and pressured me to leverage MY CAPITAL against their CREDIT CARDS because the STORE could benefit from " people like me. '' SO I GAVE THEM AN AUTOGRAPH!! 

Since then my CAPITAL and PROFIT has been TREAD by representatives of the company and credit reporters and groups/banks. 

My PATENT WAS INFRINGED... 
My intellectual property has been COMPROMISED and maintaining the SPECIFIC MIND I WAS BORN WITH is now washed and ultimately incorporated with a SCANDAL. MY BUSINESS, REPUTATION, NOTATION, AND LIFE HAS BEEN STOLEN AND DESTROYED. 

I HAVE INSTRUMENTALS CREATED A XXXX AGO THAT HAVE BEEN COPYRIGHT INFRINGED TO XXXX XXXX THAT I CAN'T EVEN GO TO THE COPYRIGHT OFFICE ABOUT! 

XXXX XXXX XXXX have ultimately HACKED MY TOOLS. 

I AM GOING INTO TRIBAL CONSULTATION!

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to get credit this is a account that was not mind. I think it must have been a accident that this error occurred.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Transunion did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Transunion in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Transunion took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: IL

Complaint narrative:
I have been waiting on a background check to be completed with Checkr for 1 month and 2 weeks. Because this background check is critical to my finances Checkr is damaging me financially. I am requesting Checkr to complete my background check immediately. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2022 Called Equifax to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXX 's. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : XXXX. You would not believe what I heard from their expert. XXXX claimed she was the XXXX. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
XX/XX/2022 Called XXXX to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called Experian, had a much better experience and they explained that i had a {$120.00} balance due with XXXX 's. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : XXXX. You would not believe what I heard from their expert. XXXX claimed she was the XXXX. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.

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 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one auto and finance continues to claim I owe a debt to them when it was ALL amounts in total were settled by the US TREASURY department, and a XXXX was filed under the auto loan amount and sent notice to capital one. The accounts reflect negative reporting which is unlawful by the codes under usc consumer credit reporting act. I've also notified capital one to fulfill their fiduciary obligation to consumer credit accounts according to XXXX XXXX XXXX all credit amounts and interest is to be paid to the consumer- which they have not complied with as of 3 days post notice of action to repay the credit owed to me from ALL consumer accounts had with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Received credit alert that collection account has been placed on my credit file. There was no communication or information provided to validate the debt is owed by me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello. My name is XXXX XXXX. Someone used my information, my XXXX number, and through the XXXX and XXXX applications opened XXXX credit cards in my name at CapitalOne Bank. Credit cards were opened on XX/XX/XXXX and XX/XX/XXXX for the amounts of {$1300.00} and {$1000.00}, respectively. I noticed this only in XX/XX/XXXX. I wrote and called Capital One. They sent me an answer that I have to pay and close the balances of these two cards. This happened on XX/XX/XXXX. After that, I had to call Capital One and try to restore access to these credit cards ( more precisely, to the application ). Since there was another person 's username and password there. Starting from XX/XX/XXXX, I am paying off the balance of cards that I have never even used. At the same time, my credit rating completely dropped. I ask you to help me with this situation. I can provide all the details. You can contact me by phone XXXX or by mail XXXX ( preferably by email )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a fraud alert yesterday XXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( Experian, XXXX, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX and on XX/XX/XXXX and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX and on XX/XX/XXXX and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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