vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: GA

Complaint narrative:
The living breathing woman does not have a wet ink contract with XXXX, XXXX, or TRANSUNION to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the Real Estate and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every one of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last one of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the XXXX XXXX wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.

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 2023-01-28 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: GA

Complaint narrative:
The living breathing woman does not have a wet ink contract with XXXX, EQUIFAX, or XXXX to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the XXXX XXXX and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every XXXX of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last XXXX of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the XXXX XXXX  wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have had the USAA Visa Credit Card for more than 20 years. I have been a USAA member since XXXX. I have had a fixed APR of 9.90 % for many, many years with statements to prove this. I noticed that my monthly minimum payment jumped very high and I looked into it. The last statement I have with a 9.90 % APR was XX/XX/XXXX. I am now paying 14.15 %. I have always had fixed credit rates and could not find any notices from USAA that they were converting my credit card to a variable rate. We used this card to pay for some remodeling after our XXXX XXXX stole money from us and we had to pay for items a different way. I called USAA on XX/XX/XXXX @ XXXX and spoke with XXXX -- employee ID # XXXX -- who tried to find any notices of APR change. XXXX looked back past XXXX and could not find any notices of APR change. I asked him if USAA would fix this APR since I have never received a legal notice of change, and he stated that unfortunately they would not. I believe that this was unfair, and illegal business practices since I was never given a notice and it was confirmed by USAA employee when even he could not find that a notice was ever given. This will greatly hurt our chances of paying back the large debt due to over 4.25 % increase -- and increasing further. Thank you for any help that you can provide us. Sincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Upstart Holdings, Inc.
State: NM

Complaint narrative:
I attended a presentation by XXXX XXXX on XXXX XXXX. They asked me to fill out a piece of paper they called a " credit application '', and applied for a Promissory Note in my name. I did not authorize XXXX XXXX to do this. I did not know who or what " Upstart " was. I had No paperwork of any kind or a phone number with information from Upstart. I received a direct deposit in to my personal checking account on XX/XX/XXXX. Upstart deposited this money into my account. I still had No information from Upstart. On XX/XX/XXXX, I contacted the Attorney General 's XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint against Release Consulting and Upstart. XXXX XXXX was my advisor. She contacted Upstart on or about XXXX XXXX. I did not hear any thing about this from the XXXX XXXX or Upstart until late XXXX. XXXX XXXX had retired in XXXX. In late XXXX I again contacted The Atty. XXXX XXXX, XXXX XXXX XXXX, gave me information to contact Upstart. On XXXX XXXX after contacting Upstart, after speaking with 6 Upstart employees, XXXX XXXX in their ID Theft department agreed to send me paperwork submitted by Release Consulting on me. I discovered my " loan through, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX New Jersey. I have never had any contact with these people. I also discovered XXXX XXXX originally applied for the loan in my name for, {$28000.00}.. i presently owe in excess of $ XXXX filed a ID Theft report on XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am sending in this complaint against Wells Fargo, because I feel that they forced me out of my home in 2017 by consistently sending me foreclosure documents and I was trying too keep the roof over my head while dealing with health issues. And due too the amount of stress that Wells Fargo had subjected me too. I asking for assistance regarding this matter.

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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Remove old adresses and personal information

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 2023-01-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Several attempts have been made to remove seven ( 7 ) non-mailable addresses and three ( 3 ) employment histories off my credit report with Equifax. The website does not allow you to remove for inaccuracies ; just for " address belong to someone else, theft or fraud or I've never lived there ; without an option for non-mailable addresses and employment history.The only address to remain is my current address and current employment.

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information. Inaccurate information must be removed immediately ; these are non-mailable addresses and I no longer work for those employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear CFPB, I am writing to bring to your attention some inaccuracies on my consumer profile that you have on file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have my credit report be accurate, complete and not misleading. 

On Mon, XX/XX/XXXX, Capital One and I agreed to the settlement of an account in the amount of {$350.00}. I was asked to make either two payments of {$170.00}, with the first payment due by XX/XX/XXXX and the second payment due by XX/XX/XXXX. I paid the full balance of {$350.00} on XX/XX/XXXX, thinking that the account was settled and done. 

However, I received a letter from Capital One stating that I still owe {$90.00}. I called a Capital One representative on XX/XX/XXXX, and they said not to worry about it and that it would reflect differently on my consumer report. This turned out to be false, and the information on my consumer report remains unchanged. 

This is a violation of 15 USC 1692e 807, which prohibits false or misleading representations. Specifically, it is a violation of subsection ( 8 ), which prohibits communicating or threatening to communicate credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. It also violates 15 USC 1692d 806, which prohibits harassment or abuse, specifically subsection ( 2 ), which prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I am requesting that this account be deleted from my consumer report completely, as it is settled and done with. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC

Complaint narrative:
I have called and emailed Mortgage Solutions Financial multiple times with no success in resolving this issue. I obtained a cashiers check on XX/XX/23 from my bank to mail the same date to the companys payment address. This is the second time I have mailed a payment and my payment is lost despite having mailed certified mail and tracking showing that it was delivered and signed for on XX/XX/23. Everytime Ive called, Ive been told they are putting in an investigation and that someone will call me. Its been almost a month and nobody can seem to figure out where my check is. Ive sent photographic proof of the cashiers check along with the tracking number etc. Nobody is giving me answers and I am now late and subject to a late fee and receiving emails and calls saying that this will affect my credit score although all of the evidence and all of my phone calls should be noted in their phone logs and on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: OH

Complaint narrative:
I show a XXXX XXXX XXXX on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted Equifax, XXXX or XXXX to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been in the cryptocurrency market for 2 years from the middle of XXXX to XXXX. However, they did let me sign up for the app which is Coinbase, and now they locked my account because I do not have SSN. They stated that they only needed my Driver 's license and my passport. Besides, they are scammers because when the dips dropped down I could not buy it as they say its a system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On Wednesday XX/XX/2023, this women with her XXXX is XXXX XXXX reach out to me, show interested on my bed frame I sell on XXXX  for {$280.00}. The next day, she want to paid on XXXX. And she used her own fake account of XXXX company to trick me. I never use XXXX before, so I got trick. 

First fake email from XXXX said, XXXX make the buyer ( XXXX ) transfer seller ( me ) {$200.00} to make my account become business account, they credit my money for {$480.00} include my bed purchase. 

Since I saw her email that sent me money, I send her back my money which is {$200.00}. Even though, I have received my money back yet. She XXXX the well fargo transaction screenshot to prank me. 

She keep doing it for 2 more time. Second transaction is {$300.00}. On the 3rd transaction, I did tried to call Well Fargo is this situation is a scams, but they didnt give a clear advise. So I continue sent it to scammer extra {$500.00}. And total I lost is {$1000.00} for 3 transactions. 

Her XXXX account is XXXX with name XXXX XXXX, enrolled as 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 2023-01-28 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: MA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
On or around XX/XX/2022 Portfolio Recovery associates LLC retained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A lawsuit mill that has represented itself as a legitimate law firm to sue and harass me in court Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX XXXX would not and refused to produce proper documentation supporting their claims to the debt, both title and chain of custody, and would only produce erroneous affidavits. they did back out of their lawsuit and dismissed their case after wasting much of my time and XXXX funds on fruitless court appearances. now Portfolio Recovery associates LLC has filed a 1099c with the IRS on a debt they can not and wont prove they own and have sent no official communication that they have officially discharged the alleged debt or substantiated they have a right to claim a loss to the IRS and force me to pay taxes on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: IL

Complaint narrative:
According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( XXXX ) credit reporting agencies, TransUnion, XXXX and XXXX has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
i have been harassed by comenity bank i let them know i did try making a payment and it didn't go through fast enough and that they would indeed have to wait until i have the funds to pay them. i said when i have the money you will get paid, and they have called me at least 50 times a day trying to collect a payment : ) i owe only XXXX dollars left on the closed account and at this time its harassment. please email me for pictures of my phone log : )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MS

Complaint narrative:
I had a {$1500.00} tax refund advance deposited into a credit karma spend account from XXXX on XX/XX/2023. Credit Karma randomly locked my card after confirming several transactions from my virtual debit card on XX/XX/2023 and XXXX cant unlock the card and I cant get in contact with anyone from Credit Karma. Apparently this is happening across their entire network and I want my money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the acounts listed below be remove becuase According to 15 USC 1681 : I have the right to privacy and i did not givew Equifax written permission to furnish these accounts. 

Accounts : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$230.00} )

Company response to consumer: Closed with explanation