vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Experian notifying them that I have NEVER lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses are business addresses which would make it impossible for either location to be my place of residency. I asked them to delete both addresses and any associated accounts that may be associated with this false information on my report. Experian failed to delete the addresses. ( See the attached letter ). 

I also notified them of the inaccuracies on the XXXX XXXX  Account No. XXXX. They claimed the account was verified after I pointed out that they were reporting the wrong date the account was first reported. They show two different dates one says the first reported date of XX/XX/XXXX but the account history shows the date first reported was XX/XX/XXXX. Which one is accurate? How is this consistent? 

I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. They did not respond with proof of me ever being late. 

I received a response from Experian XX/XX/XXXX saying the accounts were " VERIFIED '' and updated, however, the errors are still being reported after I pointed them out. Clearly, this information doesn't make sense and a proper investigation was not performed.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I called customer service @ XXXX as instructed on my statement on XX/XX/2022 at approximately XXXX XXXX XXXXXXXX standard time my first encounter was with XXXX, I attempted to explain to her that I received a {$92.00} refund from my credit card account ( Citi XXXX Preferred ) and tried to explain to her that I did not request the refund but had spoke to a customer service rep after I had paid my balance off and instructed them to place the credit in a Citi savings account that I opened for this credit. What I received in the mail was a Citi debit card which I assumed now had the {$92.00} in it. What I now have is a check sent to me from the credit card and a {$92.00} charge on my credit card. My question was pretty simple ; if you are sending me a refund directly why would I have a {$92.00} charge now on my account? If the money was not transferred to the savings my account should be at a {$0.00} balance. 

The customer service rep ( XXXX ) wanted to talk over me and not hear the question before answering and then she hung up on me. I called back and got another customer service rep and I requested to speak to a supervisor at which point she too hung up the phone. I called back a 3rd time and asked to speak with a XXXX and again my phone call was dismissed. 

Is this the way the corporation does business? I am going to send a copy of this complaint to the CFPB and hopefully they will begin to look into the business practices and treatment of senior citizens as customers who believe we would get the customer service we pay for with the fees the bank charges. 

I sincerely hope you will look into this matter and train their customer service reps on listening skills. 

Dissatisfied customer, 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 2022-11-26 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: GA

Complaint narrative:
Legal actions were taken against XXXX XXXX XXXX regarding their poor financing and reporting practices. I submitted a copy of the Final Consent of Judgement against XXXX from the State of Georgia to Equifax on XX/XX/XXXX. The dispute came back verifying the debt was accurate and belong to me on XX/XX/XXXX. 

My prior car loan with XXXX XXXX XXXX XXXX was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 

Section 16 of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement, and it is to be removed from my credit file immediately. XXXX XXXX XXXX is not reporting to the other bureaus, but Equifax is claiming validation of the account I am no longer legally responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
XXXX XXXX has Messerli/Kramer out of XXXX Mn handling the collection. The lawyers from day one have lied and been underhanded about the debt. When they first called they said they had to verify it was me and needed my birthday and ssn when I asked what this was about they said they couldnt tell me unless I verified myself. I told them I dont give out that information without knowing what it is about. They said well maybe we have money to give to you. I hung up on them. Then they had me served with papers to go to court. I had 21 days to get a hold of them which I had and was trying to reach a agreement. But they went to the judge and told him that I ignored them and the judge was going to garnish my wages. I wrote to the judge to tell him how they were handling things and he gave me a day in court. We reached a settlement of {$65.00} a month till paid. That was a few months ago now I get a phone call and they said I told them I would pay in full at 6 months. I told them that I did not say any such thing. When we reached the settlement I was told that the account was closed and that I would pay until paid in full. I was under the impression that the account would not be collecting any more interest either because I closed a few other accounts and they stopped charging interest. These people are still charging me interest and I am never going to be able to pay it all back because every month it is going higher. The bill now is higher than when we closed the account! I tried calling them and they said that they didnt have the authorization to do anything about it. I asked if they could talk to the people that do and they said no and that was that. I told them that I might have to file bankruptcy if I cant get it paid off and they said oh well. They are rude and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Legal actions were taken against Santander Consumer USA regarding their poor financing and reporting practices. I submitted a copy of the Final Consent of Judgement against Santander from the State of Georgia to XXXX on XX/XX/XXXX. The dispute came back verifying the debt was accurate and belong to me on XX/XX/XXXX. 

My prior car loan with Santander Consumer USA Loan was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 

Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement, and it is to be removed from my credit file immediately. Santander Consumer USA is not reporting to the other bureaus, but XXXX is claiming validation of the account I am no longer legally responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} Credit Limit {$500.00}

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 2022-11-26 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: MI

Complaint narrative:
Updated and new information to add to complaint # 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 2022-11-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.SC 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 2022-11-26 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.SC 1681 Section 604 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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XX/XX/2022, Coinbase sent me a Visa debit card. I have never created an account with Coinbase. 
Immediately, I tried to contact Coinbase support, but their system blocked me from speaking to anyone because I have no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I was informed by Wells Fargo Bank that, because I no longer had a permanent residential address in the XXXX that I was required to close my accounts and direct the funds to be transferred to another bank. I followed the instructions provided by the bank explicitly. This included completing the Bank 's account closure form, having the form notarized by a local attorney, getting the notarization authenticated by an office of the XXXX government and submitting the documents to the address provided by the bank. I have a written report from XXXX XXXX that the package was delivered to that address on XXXX  XX/XX/XXXX. To date, nothing has happened, except that the account has been closed. Although I have made numerous attempts to reconcile this with the bank by telephone, my calls have either been unanswered or answered by individuals who were unable to assist in any way other than to transfer the call. The Bank has designed an impenetrable system to frustrate communication and avoid responsibility. Although I did manage to contact the bank by leaving a voicemail message and received a response by email, it was only to claim that they did not receive the account closure documentation and to direct me to call one of the numbers that they do not answer.

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 2022-11-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX ), have violated my rights. 
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 2022-11-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), have violated my rights. 
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 explanation
Consumer complaint received 2022-11-27 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Their was a hard hit on my credit by Venmo/sync. 
I never applied for a credit card with them and do not understand why this is on my inquiries

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 2022-11-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX ), have violated my rights. 
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 2022-11-27 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: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
Got several unauthorized transactions in the span of a few minutes adding up to a few minutes which added up to about {$500.00} and when reported to the bank I was told that they were valid. In addition when my new card was sent I had several attempted transaction before the card was even activated. They were not willing to refund my money or give me any information from their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: WI

Complaint narrative:
This is my second complaint against New American Funding. After the first one they said they would not try to have someone change the locks on the home I am selling but on XXXX day they sent someone to put a vacant notice on the door and threaten again to do it. They did this on the 24 only leaving 3 days to respond. Which again I am monitoring and taking care of the home so I got the notice today. I had taken the home off market for a week to then put it back on after some changes. The day before it goes back on they do this. It is impacting my ability to sell the home and causing undue duress on this whole process. The company they are using is XXXX XXXX whose company profile/reviews are not stellar. This I believe is an attempt to extort more money from me while I sell the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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:
On XX/XX/XXXX, I sent a letter to Equifax notifying them that I have NEVER lived XXXX XXXX XXXX XXXX XXXX MA XXXX. The address is a business address which would make it impossible for it to be my place of residency. I asked them to delete the address and any associated accounts that may be associated with this false information on my report. Equifax failed to delete the address. I also notified them of the inaccuracies on the XXXX XXXX  Account No. XXXX. They claimed the account was verified after I pointed out that they were reporting the wrong date the account was first reported. They show two different dates one says the first reported date of XX/XX/XXXX but the account history shows the date first reported was XX/XX/XXXX. Which one is accurate? How is this consistent? I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. Clearly, this information doesn't make sense and a proper investigation was not performed. Equifax has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I signed up for myEquifax on XX/XX/2022 to freeze my credit but was never able to get into the website due to an error. " We are temporarily unable to complete this request. Please try again later. '' I was able to freeze XXXX and XXXX but forgot to go back to Equifax until I got an email on XX/XX/2022 that someone pulled a hard inquiry on my Equifax report. I still can not log into the website to either freeze my credit or check my free annual report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-27 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:
My complaint is going to Transunion Credit Bureau, I have sent you dispute for this issue numerous times, but looks like you completely disregard it. 
I'm not using any XXXX party for this matter that you been tried accuse me with. 
ONLY YOU XXXX HAS REPORTED THIS ACCOUNT ON MY REPORT, HOW XXXX XXXX XXXX REMOVED THIS FRADULENT ACCOUNT AND YOU KEEP SAYING It HAS BEEN VERIFIED???? HOW IT IS POSSIBLE IF YOU SEND MY DISPUTE TO THE SAME MERCHANT/CREDITOR LIKE XXXX OTHERS XXXX XXXX XXXX? 
All that means YOU DID '' N DO ANY FAIR INVESTIGATION. 
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It 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 of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
I'm sending this dispute to the XXXX XXXX as well, so I'm exploring ALL 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 non-monetary relief