vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My former complaint was not resolved due to incorrect information. The other person who is XXXX XXXX with the same exact name but the first name is spelled differently and we have the exact same birthday. Our info in the Equifax has her name, and her social on my credit report. Equifax only removed the address which was my address and left her social security. I have screen shots as evidence that this is not my credit report. They have made a big breach with that mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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 fil ing 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 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have filed approx. 4-5 disputes with Equifax regarding my revolving XXXX account with XXXX XXXX XXXX XXXX They are reporting it as closed as of XX/XX/2022 but the account is NOT closed. After their investigation, they simply come back and say its been verified as accurate. But thats incorrect. I submitted another dispute today, XX/XX/2022 in hopes they get it right and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: OH

Complaint narrative:
After several years of monitoring my credit on credit karma, this company advertised a checking and savings account and claimed these services can be used just like a bank. I applied for a checking spend account with them, with the expectation that it would be used just like a checking account. 
On XX/XX/XXXX, I checked into a hotel and used my credit karma debit card to pay. The funds were deducted from my account, and placed on hold by credit karma. This meant that I did not have access to these funds, and the hotel could not access them either. I called credit karma customer service several times to explain my predicament and was told customer service could not help me, and my case would be transferred to a special team that apparently could only be reached by email. This special team was supposed to be contacting me in 20 minutes. This never happened. I was never contacted back, in spite of calling back and explaining my check out date is on the XXXX, and I needed the payment to check out. I was forced to make other arrangements to pay for my hotel stay and was never given an explanation as to why my funds were placed on a mysterious hold by credit karma. 
This company clearly lacks the capacity to function as a financial institution, and therefore must not be allowed to advertise themselves as one. I am still waiting to hear back and get a logical explanation on why my money is still on hold and naturally will close this account as soon as I can access my money again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: WA

Complaint narrative:
I faxed Experian 9 different credit disputes to Experian on XX/XX/2022 no investigation has been initiated as of XX/XX/2022 Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.

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 2022-11-06 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: AZ

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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

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

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

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

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

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

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

XXXX. Validate Account XXXX Account XXXX : 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
Consumer complaint received 2022-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Thus us addendum to complaints : XXXX XXXX Both made on XX/XX/XXXX I was also told by XXXX that worked for Carrington. They have been holding my money but not applying it to my account since XX/XX/XXXX, letting unnecessary interest to accrue. Thus is a cruel and unethical banking prank to try to take someones house. My mortgage is current. I have paid XXXX payments, the proof has been submitted. Why they are just holding tge money in the back as she stated I dont know. People should me made aware of this unethical practice of this company. That money ( payments ) they are holding should be applied to my account immediately, without that accrued interest added. This is just an awful practice to prey on people. 
Unethical practices must be stopped, God sees it all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: IL

Complaint narrative:
15 U.S 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S 1692 Without the prior consent of the consumer report given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
XXXX has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to NBC MANAGEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 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 USC 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. 
15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: GA

Complaint narrative:
There are several credit accounts open on my report that I did not authorize including a loan that is now in collections or default. My identity was compromised and I have filed a police report, reached out to the companies and the credit bureaus and still nothing has been done. I am a single parent and these derogatory remarks are keeping me and my daughter from getting a home. These acounts include two 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. There has also been attempts to get new credit and there are hard inquiries on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX There are unknown address on my reports as well as name misspellings that need fixing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX this is my Complaint Id #. I have explained everything, not sure what is going in with this case? 

I refuse and will not pay anything I was frauded on. This will have to be in collections because I am not paying this. I do not know this person, and have no idea why are people getting away with XXXX people out of thousands of dollars. It is very sad that this is being done and no one is helping us. Why would I authorize and send someone money that I barely have, I live from check to XXXX check and thus is ridiculous. I am not paying this at all, I was reaching out to you all for 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 monetary relief
Consumer complaint received 2022-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Santander has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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:
I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from EXPERIAN, XXXX & XXXX see attached ;

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 2022-11-06 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: SC

Complaint narrative:
Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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 Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2022-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
You sent me checks dated 2021, so they got returned. 

Re-send check numbers XXXX and XXXX, totaling {$5700.00}

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 2022-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

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 U.S.C 1681. 

Account number ending in XXXX 15 U.S.C 1692f unfair practices states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

15 U.S.C 1692c ( a ) communication in connection with debt collection states without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with a consumer Capital One raised my spending limit without asking me the consumer if that's what I wanted and immediately closed my account after one late payment. I was sent a letter after I tried to make payments but they wouldn't post and my transactions wouldn't go through. How do I owe money to Capital One when it was my money going into the account. Capital one has violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: AZ

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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

XXXX. 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 explanation
Consumer complaint received 2022-11-06 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: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have tried for over three weeks to close my account at PayPal. I keep getting and error message that there is a computer problem. When I contact the company, they ask for reasons I'm closing the account. They are stalling and refusing to close my account for PR reasons only. There latest excuse is that my account is being reviewed and it may take 30 days to close my account. This is just another excuse. I want my PayPal account closed now!

Company response to consumer: Closed with explanation