vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: MI

Complaint narrative:
On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, Equifax has not completed the investigation. Equifax failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CT

Complaint narrative:
My account was frozen on XX/XX/2022 and was told it would take up to 3 weeks to investigate why it was frozen. I was given no information at all but my funds were frozen. I was told my request was escalated to receive a faster response but no response at all. My husband 's account was also frozen. Last week I called for further detail and was told it is still with their investigative team, but I could not get any further info or speak with their team. I escalated as far as I could but they make it impossible to contact them. After 3.5 week, I tried again today only to be told I have to wait indefinitely for a response, even after being escalated to a supervisor. They would not escalate further and I was told to wait indefinitely for a response. Venmo is currently holding my money and my husband 's money for almost a month with no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These items has been reporting inaccurately.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
On the XXXX of XX/XX/2022 I got two unauthorized debit transactions for {$150.00} and {$160.00} from a gas station in MN. Ive never been to the state of Minnesota or used my card there. I called chime bank to open a dispute of which they denied saying the charges was legit. I need my money back pls total {$310.00} Claim ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Hi, I have a 2 year XXXX XXXX in XXXX and my loan amount is XXXX. I have attempted numerous times to get this balance to a reasonable amount. The FEES are more than my total loan used to get the degree which came to XXXX. I have tried numerous times to speak to someone and explain that this practice is not reasonable. My loan was sold to another servicer and more and more fee 's were being added on daily and when I paid it, the balance only continued to go up. This not something I could ever pay back or pay to get under control. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXXXXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on 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 2022-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
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 THE 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 non-monetary relief
Consumer complaint received 2022-09-01 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXT Account # XXXX, XXXX XXXX XXXX Account 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 an 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 2022-09-01 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: DISCOVER BANK
State: SC

Complaint narrative:
I was off in college. I just found out my mother got a credit card in my name. I seriously had no knowledge of this account. I never personally used the credit card. It really ruined my chances if as to ever getting one with Discover. Im stuck in a bad place, they keep telling me to make a police report on my mother. But how could I do something like that to my mother? I understand that shed done it to me but evidently Im her child. Although I still should not have to suffer from anything like that being done. It is fraud because she used my social but I dont want to get my mom in trouble but I really need to resolve this issue :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I came across two inquiries and a open loan account i do not recognize. And was use without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CO

Complaint narrative:
Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise TransUnion was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. On XXXX I disputed This inaccurate information with TransUnion nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and TransUnion is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 TransUnion responded by saying this account is " verified as accurate ''. How is this account verified as when TransUnion has not verified the ACTUAL date of last activity and XXXX has the real " date of last activity '' THIS IS FRAUDULENT AND ILLAGAL UNLESS TRANSUNION CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE TRANSUNION HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNDER FCRA SEC. 605 RE-AGING 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 2022-09-01 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
in accordance with the fair credit reporting act synchrony bank and XXXX XXXX XXXX violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022, I received an alert about a new inquiry on my credit report from Bank of America. I do not have a Bank of America account, nor did I apply for any new account with them. On my credit report, I can see that the name provided to XXXX was my first and last name, but the middle name was not mine, nor was the address provided one that I use. I first contacted XXXX to have them remove the account, who told me that I would need to contact Bank of America. Upon calling Bank of America, I am unable to speak to a representative unless I have an account number ( the robo prompt will not let me progress without an account number ). I then contacted XXXX again, and was told that I needed to file a police report and mail it to them for them to remove the inquiry.

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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
XXXX XXXX and XXXX XXXX We have our home loan with your bank ( # XXXX ) and we recently had some significant water damage in our kitchen. We have been without a usable kitchen for over two months as we have worked to repair damage and line up contractors. After A LOT of work, XXXX our insurance company finally processed the claim. 

When I call Flagstar I am literally unable to get through to your " Property Claim Center '' -- I suspect this might be an outside vendor that you use? 
The phone tree gave me an inaudible access code that is needed to use the website. There is NO information anywhere about who XXXX should make the check out to ( Flagstar Bank? XXXX who services the mortgage? ) I have called Flagstar no fewer than 5 times this morning and been transferred to the mortgage department three times. All three times I have asked for a manager. In all three cases, the person told me they would transfer me to property, and they did, which resulted in a 30+ minute hold time when I was unable ( each time ) to get on the phone with a live person. I have been working at this since XXXXXXXX XXXX  this morning MT ( it is now XXXXXXXX XXXX MT ). 

I am literally UNABLE to submit the check for the property claim or the supporting documentation as required due to their exceptionally poor service and phone tree. 

Sincerely, 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 2022-09-01 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: TX

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX  Account XXXX, Has Viotated 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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Account Number - XXXX1 Service Provider - aidVantage I requested a refund for three one-time payments I made and have not received a straight answer from AidVantage. 

Refunds Requested total to around {$12000.00}. 

I requested a refund for the three payments below : XX/XX/2020 - {$4500.00} XX/XX/2020 - {$3700.00} XXXX {$2400.00} I was told they couldn't find the payments and so I couldnt be refunded. They told me to call my old provider ( fedloan ) who then told me to call back AidVantage since they received all the loan information. 

Now when I try to call AidVantage, each time I call they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Acts Capital One, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had brake work done on my vehicle at XXXX store # XXXX, during which the vehicle was not repaired properly and in fact damaged along with services charged but not done. I promptly reported this to Capital One within days of receiving my statement and they supposedly began the dispute process in XX/XX/2022. I provided their requested documentation as soon as I could obtain it. No time deadlines were given in any of the correspondence with them. As I completed the documentation process in XXXX I was told they had everything and to hang tight. 
After receiving a letter in late XXXX stating they still didn't have everything, I called and was told i needed one of the second opinions signed so i got that done in a few days and sent it in. A week or so later I get a letter saying I've exceeded the time frame to submit a claim. When I called about it the supervisor at Capital One admitted they screwed up and that I was not informed of their timeline, and in fact they had all the information to submit the claim but they themselves waited too long. I feel this was intentional and if it wasn't, then they're totally incompetent. I would like this matter reported to the highest level as I do believe this is not an isolated incident. Their excuses as to why they couldn't file a chargeback are 100 % invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 called Equifax XX/XX/22 to report inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that i reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All the incorrect addresses, invalid phone numbers, incorrect employees, a company called XXXX XXXX and XXXX XXXX. I was advised it would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Equifax is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charged off accounts, collection accounts, incorrect reporting invalids addresses, employers, phone number, incorrect spelling of names, to be removed from my credit report per federal law. 
These are the confirmation numbers I received from the supervisor who specifically told me they were for the deletions. The call was recorded. However, I called in today and it was said to be disputes. So not only are these corporations violating my rights as a consumer they are blatantly lying in our faces XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation