vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: CO

Complaint narrative:
In XX/XX/2022 I purchased a computer device for {$5300.00} using my Discover credit card through XXXX. The computer arrived defective, so the seller promised to fix it. I sent it back to them to fix and then the seller claimed they never received the money from Discover. As a result I don't have the computer and Discover still charged me this amount plus a bunch of late fees. I have been disputing this with them since XXXX this year. Now they ruined my credit score and I can't buy a house. Please, help ASAP. I never had in the past, nor have any debt now, my credit score is supposed to be perfect. I have all the proof and documentation, please, let me know if you want to see it. 
I already filed the report with you, Discover replied with a bunch of lies and you closed the case without notifying me or letting me provide all the proof. Now you owe me an explanation why I should pay for the item I have not received and how are they allowed to ruin my perfect credit report after trying to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of violated my Federal protected consumer rights to privacy and confidentiality under [ 15 USC 1681 ]. 

Account : XXXXXXXX XXXX XXXX XXXX  XXXX - Claim account closed Account : XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX. All has violated my rights. 

[ 15 U.S.C 1681 ] section 602 A. States I have right to privacy. Accur [ 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. 
The United States Constitution in clear, 605. [ 15 U.S.C. 1681c - 1 ] 607. [ 15 U.S.C. 1681e ] 622. [ 15 U.S.C. 1681r ] 10 Plus years of consistent Payments on record with this reporting agency.

623. [ 15 U.S.C. 1681s - 2 ] 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 conviction 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 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 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried to delete this account off my credit report because they are old account that are closed account like ( XXXX XXXX ) XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX that isnt my account they are doing nothing to help me.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Owed a dollar to banter credit the month before this it was XXXX. Paid the XXXX dollars and got another bill for XXXX. Assuming bill was paid. Got somehow XXXX balance??????? Called and said that something is wrong that I paid card off. She said I owed a dollar somehow, and charged me a late fee. To resolve it without an argument I just told her to take the XXXX dollar charge for being late that she requested along with the dollar that they claimed I owed. Gave her my card number over the phone. Next month and harassing calls Im told that it was never paid. The charges are up to XXXX so far. I told them this was resolved per telephone and paid in full. That I dont owe them anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
SAFCO has an auto account that is reporting on my credit report. They are reporting the full loan amount on my report instead of the deficiency balance. This information is incorrect. By law they are violating multiple sections of the FDCPA and FCRA. I have sent numerous letters for this to be rectified. SAFCO also they keep change and ballooning payments to add try and collect more money which is also a violation of the acts listed above. SAFCO failed to provide notice of repossessed vehicle being up for auction, notice of final sales amount of the auction ( with deficiency balance included ), they also failed to provide notice of how to recover the car during the repossession time period. They sold the vehicle and are trying to pawn the full balance of the loan plus interest on me. Law states that a deficiency balance notice must be provided. FCRA and FDCPA both state that if a debt is written off by a company through taxes, that legally the debt has been paid. I am requesting records of the charge-off loan balance that was written off, statement of vehicle sale through auction after repossession whether public or private, deficiency balance statement from the date of sale through auction proceedings. SAFCO will need to provide all documentation of the loan paperwork signed with dealer and alleged debtor, and items listed above for my attorney 's review. At this point, we are pursuing legal recourse for violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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:
In according with the Fair Credit Reporting act XXXX Account # 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 2023-02-23 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: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
After completing my taxes through XXXX, I opted in to receive my tax refund on a debit card issued by Credit Karma. The advertisement was for 2 features, an advance on your tax refund up to a certain amount, and that you get your refund deposited 5 days early. 

I have received my refund from fed and state, and was expecting to use this to pay a mechanic who only takes cash. When going to withdraw the money, I am hit with the limits in the attached screenshot below. 

These limits are making it impossible for me to withdraw all of my funds and close my account. I would have to go to the atm 7 days in a row or complete 4 bank transfers, each 24 hours apart, just to get the funds that are mine. 

I reached out to Credit Karma support chat and was told they would not increase my limit. I told them this is unacceptable and if they wont increase my limit to send me a check with the funds and close my account. I was told Id need to call in to escalate the case, in which I called 3 times, waiting for an hour on hold with no answer, then 3 hours on hold with no answer, and then 30 minutes on hold the 3rd time I called. 

This is unacceptable and if I would have been made aware of the limit I would not have opted in. The whole purpose of this was to get my refund early and now I will not have access to the funds until well after when I would have received the cash through regular XXXX XXXX in my bank. They have shown no effort to remedy the situation and the second support chat I had, I spoke with somebody extremely unprofessional whos response was Have a nice day when I asked to have my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

Complaint narrative:
It has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.

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 2023-02-24 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Following information not being reported properly with credit reporting agencies ; high balance, closed date & credit limit. 

Also ; In accordance to Fair Credit Reporting act Company, rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint against XXXX I purchased a {$200.00} XXXX visa gift card for my granddaughter XX/XX/22. The card was taken off of the card XXXX  at XXXXXXXX XXXX XXXX and we have been fighting ever since to activate or purchaser with this card. Another problem is that there is no way to communicate with the company except by a phone number which then directs you to send a fax which is never responded to. There is no location address on the site, help line or customer service once a card is purchased. The website is pretty much blank except for this phone number where an operator gives you the fax number. Once you fax you never hear back. That is why my granddaughter reached out to me, but then I never heard back either. 
Company Website : XXXX The company is XXXX, No location address available, and their Headquarters FSV Payment Systems , Inc . 

Step by step My granddaughter was never able to create an account. 
Every time she tried, on the site, it told her something went wrong, and she was never able to proceed and enter the card information to access the money prepaid. 
When she called the help number she was told to provide information, to no avail. 
I faxed a copy of the receipt, both sides of the purchased card and its cover nothing. 
I have enclosed reviews from others in the public. 
I feel this is happening because they can get away with it and they know it. 
This seems to be a policy because the card bank and its headquarters are complicit. From the many online reviews, it seems untold numbers have suffered the same fate with no resolutions. I wrote to them informing them as to those I would be sending this information to, but they could not care less, because they feel nothing is going to happen. As I write this, I still have not heard a word from them, they continue unabated. I wonder if a class action suit could put a stop to the scam. The public is in essence being tricked into sending this company free money. 
I went online to check the reviews of this company and found fraud and abuse in these reviews. This company just keeps the money, and that's it! You are never able to use the card or get a refund.

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 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The company tried to get me to change my deductible on my XXXX hazard insurance policy to meet their policies and threatened to put their own additional insurance on my property at a cost to me. I emailed them, as I had already had this issue with them in XX/XX/2021 and had to go to the CFPB to get it stopped and resolved but they are sending me a letter again and when I called it out to them that it was resolved came back and said it was not an error. So I just sent another email explaining the same thing. One, they purchased the loan with this deductible and if it did not meet their requirements they should have not purchased the loan. Two, the company paid a water claim on the property prior to my purchase so required a higher deductible. Three, I have a multi-policy discount so it would cost me more money to go with another company. If they purchase this loan with this deductible, then I should not be forced to pay more money or have an additional coverage forced on me at my cost. I have not changed any terms of my loan since inception so there would be no change in these terms either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
I was apply for home loan and there should be only 1 hard inquiry. I show 2 companies only 1 where I finally used for my loan Thank you XXXX XXXX XXXX  ( Finance ) XX/XX/2022 CREDCO/XXXX XXXX  ( Bank ) XX/XX/2022 2022

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 2023-02-24 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.

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 2023-02-24 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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:
I did not give anyone employed at your company permission nor my information to look at my personal property and add an inquiry on 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 2023-02-24 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: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX 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