vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Credit karma stated that I was pre approved and had an excellent chance in getting approved for certain credit cards and was denied and it effects my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My car was totaled in an accident. The insurance company handling paying off the car after the accident, called Santander Consumer USA on XX/XX/ and was told by Santander that they would not give them the Ten Day Payoff Request. Santander told them that I, account holder with them, would need to call Santander and have them send the Ten Day Payoff Request to me and then I would have to forward that to the insurance company. When I called Santander ( on XX/XX/ ), they told me that they could not send me the Ten Day Payoff Request and that the insurance company would need to contact Santander about getting it. I explained to Santander that they had told the insurance company that I would have to call and they said that was wrong. Santander said the insurance company handling the payoff would need to contact Santander and file a claim with Santander on the car and that the insurance company would need to provide a copy of the police report, the evaluation done on the car, and the settlement amount before Santander would send them the Ten Day Payoff Request. I was also told by Santander that I should continue making car payments as once the Ten Day Payoff Request was submitted to them it might take a while ( no time frame was given ) to process the request and payoff. No timeframe was given on how long Santander would take to process the payoff but the representative made it sound like I would need to make more than one payment between now and when the request/payoff was processed. They told me I would be reimbursed for any payments. I provided this information to the insurance company. The insurance company called again to try and speak with a supervisor. I do not know what date they called the second time but was told they are still having issues with Santander providing the Ten Day Payoff Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I currently have loan with Flagstar bank and they are saying that I had a lapse in insurance coverage. I never had a lapse in coverage and provided them all the paperwork showing this. They added a XXXX fee to my Escrow which I have never had an Escrow accounting because we did 20 % down when we bought the house.

I called them on the XXXX and provided them all the documents the same day. The fee has not been removed and I was forced to pay it today so I would not be charged a late fee or interest affected for paying late.

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 2023-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Late XXXX I noticed an old hard inquiry that I did not authorize. I notified Experian of the issue and demanded removal. I sent this accompanied with a FTC Fraud report ( XXXX ). The letter and report were sent on XX/XX/2023. Experian as of XX/XX/2023 has failed to investigate and has failed to remove the inquiry. They are currently in violation of the FDCPA. I require immediate removal.

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 2023-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXX account shows that I missed a payment on XX/XX/2021 which is not true. On XXXX it shows that I payed on time, but on equifax and XXXX  show late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
sunrise credit services has had my debt from XXXX XXXX since XXXX i made one payment in XXXX  and one payment in XX/XX/XXXX and havent heard from them since until today XXXX XXXX i have a balance with them of XXXX for old student tuition debt. i never received written documentation from them before i started getting phone calls. they hardly call or notify me of anything except when they do call, they are very intimidating and rude and expect me to pay large amounts when I cant. ive been told by their representatives that i could just get a second job, its my debt to pay so i have to pay it, ive been lied to that they dont have supervisors to speak with, ive been told that they will send my account to legal to have my assets investigated like if im working, my checking accounts, and to put a lien on it to force me to pay when ive never been made aware of that before. theyve hung up on me when i wont pay, theyve used profanity and predatory language and make no efforts to be personable. not one conversation has made me feel safe even dealing with this company. im aware of the debt, but im aware of my rights

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 2023-03-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: NJ

Complaint narrative:
The company, creditrepair.com, charged me {$69.00} per month with the promise of improving my credit score. However, they failed to deliver the services they advertised. In fact, they did not take any meaningful action to help me increase my credit score. I recently received a letter from the Consumer Financial Protection Bureau stating that they have closed their filing against the company in XX/XX/2023. 

Due to the company 's failure to provide the services promised, I requested a refund for the amount I paid. However, the company rejected my request. I have attached a letter that clearly shows their lack of action and failure to provide the promised services. It is only fair that I receive a refund for the services that were not delivered as promised. 

My account email is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Robinhood account to these fraudulent investment companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted disputes with XXXX  and Equifax to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to Equifax, XXXX, and XXXX ( XXXX  XXXX ). XXXX XXXX has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that XXXX  XXXX or XXXX  please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that XXXX ( XXXX  XXXX ) has made here has tanked my score by XXXX points for my regular FICO score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted disputes with experian and XXXX to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to XXXX, Experian, and XXXX ( XXXX  XXXX ). XXXX XXXX has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that XXXX  XXXX or XXXX  please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that XXXX ( XXXX  XXXX ) has made here has tanked my score by XXXX points for my regular FICO score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.

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 2023-03-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of account ( s ) below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX, has violated my rights under 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 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 XXXX XXXX XXXX  which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: AL

Complaint narrative:
Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  account shows that I missed a payment on XX/XX/2021 which is not true. On XXXX it shows that I payed on time, but on XXXX and transunion show late payment.

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 2023-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX account shows that I missed a payment on XX/XX/2021 which is not true. On Experian it shows that I payed on time, but on XXXX and XXXX show late payment.

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 2023-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A , states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any 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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Summit A*R, Inc.
State: NY

Complaint narrative:
This company has consistently been contacting my friends cell phones. Disgusting my deck, and today my friend reached out, asking me who are you owing money to because some lady just called me and discussed your entire finances.

After speaking to the lady had manager advisor, why are you contacting people that have nothing to do with my debt. 

She on a recorded line, admitted that I am not XXXX and whoever the other person Is that shes talking to is not me she discussed my dip with third-party people over and over again I have advise them to reach out and ask for FTC regulations . Not only did she discuss my debt with an associate, but also kept threatening to obtain the new living address of me.

Incorrect information threatening on the phone, discussing my debt with third-party people. She has already broken the regulation set out for phone and collection companies.

invalid due to incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Received a 1099-C from a Bill Me Later, Inc with the description PayPal Credit . in the amount of {$1400.00}. I have called the number on the form and left repeated messages. I " never '' signed up for this service. I had to XXXX search, what Bill Me Later even was. I do not even have a business that would need a service like this. The first I heard of this was receiving the 1099-C. This creates a problem for me because this is reported to the IRS. Any help in resolving this would be greatly appreciated. 
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 2023-03-02 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: TX

Complaint narrative:
I am in the process of purchasing a new home and applied for a pre-authorization letter through my local credit union. The next day beginning at XXXX I began being bombarded with calls from lenders offering their products. When I asked how they got my number they said they had received it from XXXX and Transunion. I have received 10 calls and 1 text in the last 3 hours!!!! 

In order for me to have a loan I have to have a credit report run and XXXX, XXXX and Transunion are the bureaus who can run this. It is INCREDIBLY unethical that institutions who have access to my personal information and who I have no choice but to use for credit reporting can turn around and sell my information for their own financial gain to other brokers. 

As the CFPB I would suspect that you would see this as a gross violation of CONSUMERS and you should therefore be PROTECTING us from these types of issues occurring. I hope you will take this matter seriously and put process in place to fulfil your civil role.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Affirm has yet to fix their issues when it comes to applying for hardships. Everything still times out. Were now in XXXX and theyre still having issues and have yet to rectify anything. 
On top of this I get an insane amount of phone calls everyday from Affirm about past due loans that they know I am facing a financial hardship and can not pay right now.

I was deceived into trying to apply for hardship by several employees and when I brought up the time out issues it took them over 2-3 weeks to tell me I dont qualify even though I was never able to get an application through.

And as of 6 weeks ago people were getting triple and quadruple charged on their accounts, thankfully I removed my banking information before this happened because this would have been absolutely detrimental to my family.

Ive had over 30 phone calls from spoofed numbers from Affirm in the last week or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! XXXX XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX XXXX a-d Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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