vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/2022 I mailed the FIRST Request letter to XXXX, XXXX and EXPERIAN to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for XXXX, XXXX and EXPERIAN to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies XXXX, XXXX and EXPERIAN are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding XXXX, XXXX and EXPERIAN to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my XXXX credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want XXXX, XXXX and EXPERIAN to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my XXXX, XXXX and EXPERIAN reports : # 1 XXXX  XXXX XXXX # 2 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX NA ) # XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX ) # 4 XXXX - XXXX # 5 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX XXXX # 6 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 2022-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
I filed for unemployment on XXXX. I received the Way2Go card in the mail and activated it towards the end of XX/XX/XXXX. I began using the card in XXXX paying bills, rent, online purchases, ect. The card was new and I already knew my benefit amount so I didn't bother to go online and sign into my XXXX online account. About 4 weeks later I went to ATM to get a little cash and Im noticed the total amount on the receipt was much less than what it should have been. When I got home that evening I accessed the website for the first time to check and determine why the balance was much lower than what it should have been. This is when I saw all the fraudulent XXXX and XXXX charges. So I contacted both merchants and neither one of them offered much help. They just recommended disputing with the bank. So I went through and totaled all the fraudulent charges from these two companies. I then called the Way2Go company to file a fraud claim.When I finally got ahold of a live person after being on hold what seemed liked hours. He started filing my claim, but said there were to many charges and that his computer had crashed. However, he was going to activate my claim and send me a fraud form to fill out and list all the charges. I received all the forms on XX/XX/XXXX, and had faxed back to them on XX/XX/XXXX. I called to follow up a week or so later and was told my claim was denied. When I asked why it was denied I was told that the person I was speaking with that she didn't know the reason only that it was denied. I then had her escalate the claim again and IU went and got police report and faxed that over to them. I called a week later and once agian was told it was denied.. When I asked why I was told because I made other online purchases to other vendors that were similar?? It made no sense to me because almost all of the XXXX charges were made on the same day XX/XX/XXXX, and 5 of the larger charges over {$100.00} were flagged by either way @ go or the merchant because they still show as pending from that day on my statement almost 3 months later. The charges for less than a {$100.00} on that day all seemed to go through. This tells me that these were probably already flagged as fraud. However, the fraud department can not see that on their end. They are only going by the statement and can't see the pending charges on their own website? After this they just kept transfering me around and my calls to them kept dropping and getting disconnected. The last conversation I had with their fraud dept.they still could never give me a valid reason for denial and I was told case was closed and I was basically out of luck..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: VA

Complaint narrative:
My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app  have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. If they suspect something then they need to work with the customers on a resolution, instead they just sit on their hands and holding people 's money hostage. What if the money is needed to pay bills, and what if there's a emergency and the money is locked up and out of reach? Support need to initiate the call because it's people 's livelihood they are messing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
One of my friend posted on XXXX that she made XXXX from XXXX through XXXX XXXX through XXXX  mining investment. Since I knew her personally I asked her about it. She said it really worked. So I contacted XXXX, I made XXXX XXXX transferrs. One for invested XXXX and then XXXX. XXXX XXXX for investment. After the he created a profile for me on XXXX Showed me my investment of XXXX and withdrawal amount ready XXXX. He then asked me for withdrawal fee of XXXX which I was very hesitant about. So I asked my friend ( her account is hacked I still dont know this ). She said yes do as he says. So I did that. Transferred him {$100.00} through XXXX via XXXX XXXX  and then XXXX transfer of XXXX. Once I completed this, the next we asked for his commission which we agreed to XXXX ( 10 % of profit ). So I XXXX him his commission. Then he asked for verification for XXXX. He said to talk to my friend and she will help me. Somehow he hacked into my XXXX account and did not you allow me to access back in. He changed the email, deleted phone number and activated two factor authorization completely blocking my access. Thats when I texted my friend and asked her what happened to XXXX. She said she got hacked a few weeks ago. Thats when I learned I got scammed. I spoke to my bank who did not guarantee the scam money back. 

The persons XXXX name is : XXXX  The website is 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 2022-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the Equifax data breach and may have gotten into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the XXXX data breach and may have gotten into the hand of the wrong person.

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 2022-05-13 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.

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 2022-05-13 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:
In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX  - Account Number XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: SC

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. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 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 No other adverse items of information should be on my report other than records of convictions of crimes according to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: TX

Complaint narrative:
I XXXX XXXX have contacted XXXX Transuion, And XXXX reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXX Finance XXXX XXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove TRANSUION FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court XXXX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED

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 2022-05-13 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: TX

Complaint narrative:
I XXXX XXXX have contacted XXXX XXXX, And Equifax reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove XXXX FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court EQUIFAX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Quicken Loans, aka, Rocket Mortgage, my mortgage servicer sent me a threatening letter attempting to intimidate me from bringing a claim to resolve a fraud matter. On XX/XX/XXXX, I unknowingly signed a promissory note for an incomplete, non-code-compliant and nonconforming new construction home. The property was unihabitable with defective smoke detectors, ungrounded electrical wiring, etc. The fact that the home failed XXXX final inspections was concealed. Despite the state municipal law section XXXX required a certificate of occupancy ( XXXX  ) be obtained BEFORE the escrow transaction, the XXXX consummated the mortgage without one. The XXXX also stated on record that a XXXX  is required before closing on new construction. I was unaware during the escrow transaction that Quicken Loans violated their own lending requirement and state law. Quicken Loans advertises to the public via the internet that a XXXX is required before or at closing for new construction. Their licensed bankers have admitted on transcript that a XXXX is required before closing. State government records shows that the home failed XXXX final inspections before the closing. To make matters worse, the closing disclosure ( XXXX  ) was not provided XXXX days before closing. The final, completed appraisal was not provided before or at the closing either. In XXXX, the XXXX falsely claimed that the XXXX was provided on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX. Recordings, emails and origination records prove that the XXXX is lying and can not substantiate the false claim. In XXXX, when my state investigated the XXXX, on record, Quicken Loans obstructed justice and refused to provide requested evidence. The XXXX refused to provide the recording from the XX/XX/XXXX loan application call attended by my XXXX XXXX XXXX. The XXXX refused to provide their closing instructions given to the escrow agent, proof of delivery of the XXXX  and proof of delivery of the appraisal. Origination loan estimates contradict interest rate disclosures. The appraised value of the escrow transaction relied on the home being complete, conforming and code compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I called attorney who filed judgement in court. Attorney says there no file here contact the company who hired us. 
I tried to contact company but it is no longer in business. I contacted attorney again and they said that theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act, the holder of these accounts have violated my rights to privacy. 

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 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 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