vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CA

Complaint narrative:
As of XX/XX/2022 i have enclosed a certified letter stating inaccuracies on my report which by law it must be removed if its inaccuarate under section 609 ... because their in violation and i can sue per violation up too 1000.. however transunion sent me a letter which i will attach it for you too see.. Traunsion sent me a letter applauding my request of disputing and misleading me by saying im using a third party credit repair agency. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. This is a violation I reserve the right to sue a credit reporting agency for violations of the Fair Credit Reporting Act and I believe I can prove that transunion did not use reasonable measures to insure the accuracy of my credit reports and now transunion are stalling the process even further.

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 2022-05-02 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
The following company never proved their methods of verification through several stages of written credit disputes : XXXXMILITARY STAR The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

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 2022-05-02 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: VA

Complaint narrative:
Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 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 non-monetary relief
Consumer complaint received 2022-05-02 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: VA

Complaint narrative:
Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 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 2022-05-02 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: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX This account was paid in full on XX/XX/2022 in the amount of {$1600.00} to XXXX, XXXX and XXXX who represented their company. I received a letter confirming that the account was paid in full but my account has not been updated since XX/XX/2022 on my credit reports. I contacted the creditor directly on XX/XX/2022 and was told that my account was sold to XXXX and given the phone number of XXXX. I immediately called the number and was told that the account had not been sold but they represented XXXX XXXX XXXX and confirmed via phone that the account in fact had been paid in full. I was told that they passed that information onto their client and would have them to call me back to let me know when my credit report would be updated. Today is XX/XX/2022 and I still haven't heard back from XXXX XXXX XXXX. 

I'm frustrated because after experiencing financial hardship I finally was able to take care of the account yet my efforts is still not reflected on my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I, XXXX XXXX, had an insurance claim for damages to my car garage that was hit by motorist at XXXX XXXX XXXX, XXXX MD XXXX. XXXX XXXX issued check, but stated the check must go to my mortgage company for verification, and then they would release payment to the vendor/contractor for repairs. My mortgage company BSI was issued a check for my repairs from XXXX. The mortgage company cashed out the check, from XXXX XXXX  company, but never paid out the BSI Financial never paid for the damages I incurred. I since them paid for all the repairs myself out of pocket, and the mortgage company owes me {$6200.00} Please see attached check when I received it and sent it to BSI for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
over a week ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. The process shouldn't take that long and the money should be back ony Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 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 2022-05-02 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: TX

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 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 2022-05-02 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: TX

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
Last month my Apple/Goldman Sach card didnt do the autopay correctly - and I got charged a interest fee I called in, fixed it, and asked them to waive fee and paid what they said I needed to pay. 

Then this month I paid in full early. But still got an interest charge. 

I contacted them and they said oh you didnt pay on full last month I reminded them that was Apple/Goldman Sach error XXXX 

They just kept saying you didnt pay in full las t month so this month even though I paid in full they are charging interest. 

They wont refund this month or fully refund last month. 

What card requires 2 months if paying in full to wait interest for the current month?!?!? 

Again. I setup autopay from my account. They made a mistake. I tried to fix it but they didnt fully refund it. Then this month I confirmed I paid in full but still got charged interest again. 

I think this is Apple scamming into getting interest charges they do not deserve

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am following up on my prior CFPB complaint ID # XXXX, Barclay 's did not resolve the dispute, they stated they have only reasserted the claim. I have not received any return calls from Barclay 's either, after leaving 3 voicemails with the Office of the President. If there is an investigation ongoing regarding the dispute, I should have at least received a phone call by now. This needs to be corrected immediately and the {$330.00} refunded to my credit card.

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 2022-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
I sent my deposit slip and money into the building through the drive through. The teller then said Are you paying your rent? I have never been asked this private question before and felt very violated as our conversation was being broadcasted through the loud and echoing drive through. Minutes later the teller come back stating my deposit was short {$10.00} even after I had just counted it. I sent in another {$10.00} and her response was, You dont have to be so rude! I explained that she had made this conversation hostile from the beginning by asking inappropriate questions and that my deposit was all there when I originally sent it in and asked to speak to the manager. She brought XXXX up and he asked if I was accusing his teller of stealing, refused to Cooperate in a civil manner to rectify the situation and gave me the XXXX hour banking XXXX number to file a complaint. He refused to give me the tellers name and acted as if I was bothering him for bringing these issues to his attention.

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 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I opened a bank account with SoFi recently. They froze my account over the weekend ( XX/XX/2022 and XX/XX/2022 ). I have called multiple times and left voice mails. They don't respond. I called again on Monday ( XX/XX/2022 ) during business hours and again couldn't reach anyone. I can't contact them through the live chat since the response automatically says to call the phone number. I need to access my bank account and they won't let me. This experience has been documented by others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I have an inquiry on my account from penfed, there was a mistake made where I was trying to look at offers and it submitted my application instead, I spoke with penfed they ask me for my credit report so they can fix it which I gave them but it is still on my report, can you please help me take this off my report, 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 2022-05-02 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX, I retained XXXX XXXX XXXX XXXX  ) ( XXXX XXXX  from XXXX NC XXXX ( XXXX XXXX XXXX ) to move me from two XXXX ' XXXX XXXX units, XXXX, NC to my new residence XXXX XXXX XXXX, XXXX, NC XXXX I paid in full on site with my Wells Fargo VISA card ( WFVisa ) # XXXX WFVisa posted charge of {$1600.00} on XX/XX/XXXX on my account XXXX. I paid total card charges for that period. 
Later, XX/XX/XXXX, I received my Wells Fargo VISA statement with four ( 4 ) consecutive postings from XXXX XXXX ( XXXX NC ) on XX/XX/XXXX. I immediately called WFVISA & cancelled card, started fraud investigation with WF Visa and receive new WFVisa card account number. I called the XXXX contact phone numbers and both sites were non-working numbers. I contacted the NC BXXXX XXXX XXXX  & they disclosed XXXX was not an approved mover for NC State & with more information would file a claim against XXXX with the NC XXXX XXXX. WFVisa Claim # XXXX for the 4 postings are XXXX ; XXXX ; XXXX and XXXX totaling {$13000.00} in charges. WFVisa staff have been less then supporting with investigating the claims. Each WFVisa review states : merchant XXXX provided documentation to support services for XX/XX/XXXX postings. XXXX XXXX XXXX, XXXX XXXX Sheriff 's Department has accepted my claim & started an investigation

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 2022-05-02 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: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I told the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FCRA The term investigate consumer report means a consumer report or portion there of in which information on a consumers character, General Reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such terms of information. 

They Stated my account was Verfied but how is that possible if they did not do proper investigation according to the law. Also every piece of information ok this public record are still not reporting 100 % accurate And according to the FCRA 15 USC 1681 everything has to be accurate The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate the date last reported is inaccurate. This ground for removal they also violated my rights under 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation

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