vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
I keep contacting Montery Financial that I have reopened a chapter XXXX XXXX. 
I keep getting bills when I have sent them the court order and they fail to resolve this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: OH

Complaint narrative:
I am a natural, I am a living being, I have rights 15 USC 1681. 

Equifax is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I was current on my car payment before I reached out to Santander and asked for a payment accommodation due to XXXX XXXX XXXX  which was granted by Santander, I was surprised when I check my credit report and Santander still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
My mortgage was sold to Lakeview Loan Servicing , LLC and since the moment they have bought my loan, it has been a complete nightmare. I have Automatic draft set up for the XXXX of each month, and every month i'll get 6-7 phone calls throughout it with an agent asking me if I'm able to make a payment. The payment was made, but they continuously keep putting it in the wrong account. This has been ongoing for month, and even being proactive, calling ahead to get confirmation they applied the payment to my exact loan, I'll still get calls throughout the month telling me i need to make a payment. They go in and check, WRONG ACCOUNT AGAIN. Their customer service is terrible and no help. You get the same response every single time. " I'll take care of this right now for you, it won't happen again '' only to get a call a week later showing nothing was done. After reviewing the XXXX website, there are hundreds of reviews of this same exact thing happening to them. How can this be such a widely known problem and nothing is being done about it?

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 2023-01-09 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-09 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PA

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 and 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 2023-01-09 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
To Whom It May Concern, I booked a reservation to rent a vehicle thru XXXX ; the actual car rental company was XXXX, and XXXX is brokerage company. The amount was {$350.00} charged to my American Express on XX/XX/XXXX, XXXX for vehicle rental for the first week of XX/XX/2022. When I called XXXX to confirm our reservation prior to departure to XXXX, XXXX from XXXX, I was told that my reservation cancelled. So I had to rent/book a vehicle with another car rental company. Nevertheless, XXXX still charged me for {$350.00} When I called American Express to dispute the transaction after I got back from my trip to XXXX in XX/XX/2022, I was told by American Express that I have to try to resolve the issue directly with the XXXX. I took advice from American Express and I attempted to reach out to XXXX multiple times ; unfortunately, it did/does not have valid email or XXXX number for billing department and/or public relation so I could dispute myself with XXXX 

As the negative result from XXXX, I reached out the American Express 4-5 times, to dispute the transaction ; unfortunately, the American Express refused to help me with the issue because the transaction has been over 60-day window. 

I wasn't aware such a law that required a dispute must be submitted in writing within 60-day. Moreover, the reason it is over 60-day window because I took advice from the American Express to dispute by myself. 

I am exhausted with all the options ; thus, I am reaching to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and hope the Agency can help me with the issue. Thank you in advance for your help and time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 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: MA

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 and 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 2023-01-09 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CT

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 and 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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
I hold a joint checking account with my soon-to-be-ex husband. I am a XXXX XXXX XXXX vet who is currently paying ALL the expenses associated with maintaining two households. I did not realize, when I moved my income and spending over to a separate account back in XXXX, that there were still payments attempting to come out of the account. Over the course of this time, over {$1000.00} in NSF were racked up. The issue with withdrawals has been addressed, but the account remains in the negative and I am unable to pay the joint credit card minimum, life insurance, etc. I have reached out to USAA to ask them to refund the NSF fees but they have declined to refund more than 3. 
USAA is clearly *able* to do this - they got rid of NSF fees on XXXX, so the fees are not something mandatory - they are something created by USAA and can, at their discretion, be refunded by USAA. Their choice not to is having a dramatic negative impact on my credit worthiness and ability to cover the basic household expenses I am required to maintain.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PA

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 and 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 2023-01-09 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: GA

Complaint narrative:
I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.

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 2023-01-09 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: GA

Complaint narrative:
I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CT

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Klarna AB
State: PA

Complaint narrative:
I have notified XXXX XXXX of a reopened XXXX XXXX case. They are still reporting me delinquent -- Correct Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I have notified XXXX XXXX of a reopened XXXX XXXX  case. They are still reporting me delinquent -- Correct 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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX, XXXX for a debt that does not exist. The letter stated that they were collecting a debt on behalf of PayPal. 

I know that I have no account in arrears with PayPal. I contacted PayPal customer service. They verified that not only do I not have debt in which they are attempting to collect, the account number provided by the debt collector does not exist in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 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: PA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CT

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 and 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 2023-01-09 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: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act 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 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 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Notified company of reopened XXXX XXXX bk case -- still reporting as delinquent

Company response to consumer: Closed with non-monetary relief