vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
My wife is the sole owner of her property. I am not on the deed to the home. XXXX bank is the mortgage holder. XXXX XXXX ( XXXX, Operations XXXX, Loss Claims ) from XXXX bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and XXXX does not care. My name should not be on the " Notice of Default ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a {$10.00} American Express gift card as a reward from my apartment complexs reward program. I attempted to use the card at a XXXX  of online stores, and it was always declined, even though the items I was attempting to buy were much lower than the balance on the card. I tried calling but could only speak to the automated assistant, which mentioned that it could be that the store has to hold an additional 20 % to use the card, but even when I tried to buy something with just a few dollars on the card, it still would not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I DONT RECOGNIZE THESE INQUIRIES XXXXXXXX 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I DONT RECOGNIZE THESE INQUIRIES XXXXXXXX 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 2023-09-18 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My date of birth is XX/XX/XXXX. My SSN is XXXX. I have contacted the credit reporting agencies ( XXXX XXXX Transunion ) in regards to verifying all the information on my credit report and they did and stated that everything was accurate. I went ahead and pulled my credit report and did a thorough check on my own and find that there are several inaccurate information on my report even after they claim all the information was accurate. These are the accounts and information in question. 

*INACCURATE INFORMATION - NAMES ( Please Delete ALL ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX *INACCURATE INFORMATION - ADDRESSES ( Please Delete ALL ) XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX - Address ID # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXAddress ID # XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX *INACCURATE INFORMATION - DATE OF BIRTH ( Please Delete ) XXXX *INACCURATE INFORMATION - PHONE NUMBERS ( Please Delete ) ( XXXX ) XXXX ( XXXX ) XXXX *INACCURATE INFORMATION - EMPLOYERS ( Please Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX ACCOUNTS ( Please Delete ) Account Name : XXXX XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604a SECTION 2, IT ALSO STATES THAT CONSUMER REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
UNDER 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 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I made a purchase for a tune for my car through ssi the guy was a jerk he lied played games the entire Time he emailed me the tune I had to ask him where he sent 5 times when I got the tune and installed it the tune was trash car didnt run right it smoke stalled and the maker was trying to blame it on my car but my car runs fine with the factory tune the mod that I did was ad a after market turbo with a turbo you have to change the map sensor to a 2 0r 3 bar map sensor this guy From ssi should have told me to go out and get a new one because its only a 1 bar your car wont even no the turbo on it with a 1 bar that I didnt find out until I took it to someone else to tune and had to do it so I was suppose to get 2 tunes and only got one the was complete trash so Bank of America gave me credit 1/2 a credit the guy breech of contract I should have got full credit just for breech but the tune was garabage

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, XXXX, XXXX, Equifax have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, XXXX, XXXX, Equifax are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, XXXX, XXXX, Equifax are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX, Experian, XXXX have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, XXXX, Experian, XXXX are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, XXXX, Experian, XXXX are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that the following account be removed from my credit report due to FCRA violations. XXXX XXXX XXXX The creditor could not verify this account, and Experian failed to provide validation of the account. I also submitted my FTC report and my XXXX data breach claim number, and this account was still not removed. Lastly, the account is outdated which is another reason why it should not be reporting. Please see the attached report and data breach claim id and remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PIC Capital, Inc. dba Direct Home Lending
State: TX

Complaint narrative:
Applied for loan in XXXX. Completed all paperwork requested. Completed required training in reverse mortgage and obtained certification letter. Completed loan company required home appraisal ( {$700.00} cost ) in XXXX. No communication since that time ( now XX/XX/XXXX ). No one answers phone, emails or text messages. I need immediate status or whether I should apply with different mortgage company ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am writing to dispute the following information that your company supplied to XXXX. I have highlighted the items that I am disputing on the attached copy of my credit report. 
These items, XXXX XXXX with a delinquent balance {$2000.00} and XXXX with and original balance of {$250.00}, is inaccurate because I never opened these accounts. I have filed a police report with the XXXX XXXX XXXX Sherriffs Office and an identity theft report with the Federal Trade Commission, please see the attached reports. I am requesting that Affirm remove these accounts. 
In addition to these accounts Affirm has sold two accounts to XXXX XXXX XXXX, XXXX for {$890.00} and XXXX for {$370.00}. I can not determine if these are the same as the above two accounts, but these are also inaccurate as I have never opened any account with Affirm. I am requesting that Affirm contact XXXX XXXX XXXX to have these accounts removed. 
I have enclosed a copy of the relevant pages of my credit report, my initial contacts from XXXX  with Affirm, the XXXX XXXX XXXX Sherriffs Office report, and the identity theft report from the Federal Trade Commission supporting my request. Please reinvestigate this matter and contact all three credit bureaus to have them delete the disputed items. 
Please be aware that I am currently XXXX XXXX  until the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX

Complaint narrative:
XX/XX/XXXX  I was sent a refund for my son through bank mobile, we have been trying to contact customer service support to verify the funds and they have not answered the phone so that my son can get his refund check cashed and verified through them also it's only 3 was to contact them and they have not answered no methods of contact

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My main bank account, XXXX XXXX was frozen so I opened a new TD account online. I deposited a check and received a XXXX transfer from the same person, my Aunt. My account was open and functional for about a week. TD then froze my account, claimed the check was fraudulent and my account is now " blocked '' and I have no access to the funds in the account, totaling about {$4000.00}. There is NO HOLD ON THIS CHECK from XXXX  XXXX XXXX. Unfortunately my aunt passed away before knowing this happened. I have provided bank statements showing this check amount has cleared from the account, as well as a statement showing I am listed as her POD. I am the POD for my aunt 's XXXX  XXXX XXXX account. TD requested a notarized letter from XXXX  XXXX XXXX. Because my aunt is now deceased, this process of being able to obtain the notarized letter myself will take anywhere from 3-5 weeks if not longer due to probate court. I now have no access to any of my funds and I am struggling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This Information is Incorrect 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint is holding over XXXX of my money and refuses to apply it to the multiple mortgages I have with them. It has been XXXX months since my checks were cashed and Roundpoint refuses to give me XXXX for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a XXXX XXXX XXXX pursuing XXXX XXXX, I have sustained XXXX XXXX because I have been denied XXXX due to the misreporting by Roundpoint. Roundpoints misreport has caused my credit score to crash more then XXXX points. Roundpoint is charging me interest on principal I have paid, denying me of XXXX XXXX in my XXXX XXXX. Roundpoint has violated both civil and criminal statutes in the State of California.

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 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: CO

Complaint narrative:
On XXXX XXXX  My refrigerator stopped working The factory warranty is still in effect but I need the receipt to get it repaired. 
I have paid the appliance off already and never received the receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. 
Im receiving harassment telephone calls from Optio Solutions.

Im requesting this company to cease & stop contacting me about a debt I dont owe. 

Im in pre litigation with XXXX. 

In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. 

An automatic stay has been ordered by the petition filing of my bankruptcy. 

If Optio Solutions continues to contact me I will file harassment charges and a lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
First Of All, I want it known that I've Never been Late With Any Payments To Any Of My Credit Cards. On XXXX, I Purchased 3 Money Orders in the amounts of {$500.00} + {$500.00} + {$290.00}, which= {$1200.00} Altogether in order to Pay Barclays Credit Card Company in Full , which was my Balance Owed, & was Due XXXX. I submitted all 3 Money Orders in the Barclays Envelope provided with their Address Showing. Approximately10 days after I mailed my payment I began calling Barclays to Check on my payment. On XXXX They said The Pymt Still hadn't registered. After I Spoke to Money Order Provider, XXXX XXXX, I Realized Barclays was giving me the Runaround, As They instructed Me To Do Many Tasks in which I Followed Every Instruction Carefully. The Excruciating Painful Mental Anguish that Barclays caused me to suffer when my pymt was Submitted Very Early. To add Insult To Injury, After I made the {$1200.00} payment in full a 2nd time Barclays began to falsely & negatively report on my Credit. This Caused my Credit Score To Plummet more than XXXX Points. My XXXX Credit Score was lost due to LIES REPORTED BY Barclays, & I'm Still Working To Rebuild My Credit Score Unfairly. I have attached Proof Of Injuries, Tasks, All Money Orders from XXXX pymt. & XXXX set of Money Orders Sent. 
It took up to 4 months For Them to Finally Get the Situation Resolved. It was A Long Nightmare & Im Still Suffering every time I Think about all of That.

Im Still NEVER LATE PAYING MY CREDIT CARD BILLS!!! Im ALWAYS, ALWAYS EARLY PAYING EVERYTHING!

Check my Credit Records!!! The

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have filed two bankruptcy cases in the last 7 years. In the first one, my Wells Fargo mortgage was included. That one was dismissed. In the second one, my Wells Fargo mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for Wells Fargo to continue CORRECTLY reporting my monthly payments. For THREE YEARS, they kept reporting inaccurate information and had made credit report look like I was up to three years behind on payment. THIS TANKED MY CREDIT SCORE!!! 

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, Wells Fargo is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a new account on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : XXXX XXXX XXXX XX/XX/2023 XXXX Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This Information is Incorrect 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