vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: IN

Complaint narrative:
I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the Office of Personnel Management as a federal employee and my file was affected by the XXXX XXXX believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.

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 2023-01-12 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: IL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Texas, XXXX Texas, XXXX Dear, XXXX XXXX XXXX Attn ; Legal recourse I am writing to dispute the accuracy of the information in my credit report that is currently being maintained by your agency. I have reviewed my credit report and have identified several inaccuracies that I would like to bring to your attention. 
Specifically, the following items on my credit report are incorrect : Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under metro 2 guidelines I dont recognize these accounts as correct I request that you conduct a reinvestigation into these inaccuracies as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of my credit report and any supporting documentation that I believe will assist you in your investigation. 
CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX CFPB complaint number XXXX I have also attached a copy of the letter that I sent to the original creditor requesting a correction of these inaccuracies, as well as their response. This correspondence satisfies the requirement under Section 611 ( a ) ( 2 ) of the FCRA for me to notify the creditor of the inaccuracies before disputing with the credit reporting agency. 
I would appreciate it if you could keep me informed of the progress of your investigation and provide me with a written copy of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-01-12 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: OH

Complaint narrative:
In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I did a credit card consolidation on XX/XX/2022 and there was an overpayment of {$11000.00} so on XX/XX/2022 I asked that they send me a check for balance and they said they would. On XX/XX/2022 I noticed an ACH payment for this amount and the credit was gone out of my account. I called and they said that they decided to refund it to a bill payment service but were not sure which one or the account number. My credit consolidation company XXXX has not received the money and US Bank can not find it. I would like to find this money and receive it or have it received by the credit consolidation company as my payments on my consolidations are {$750.00} a week and I am paying for something I do not have.

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 2023-01-12 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: FL

Complaint narrative:
EXPERIAN CONTINUES TO REPORT FRAUDUELENT ADDRESS AFTER BEING TOLD TO REMOVE.

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 2023-01-12 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: PR

Complaint narrative:
( See more details in the included document named Dispute not solved XXXX to Equifax. ) Equifax did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here. 
Additional Information and Documents About My Dispute to Help Equifax Resolve It : Dispute Is Not Solved, on Equifax XXXX XXXX : XX/XX/XXXX ; Confirmation # XXXX ; account on page XXXX o XXXX, and page XXXX of XXXX ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

XXXX. My credit report is about this credit card account, still has to be corrected. 

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, XXXX every month while agreement was active, last XXXX payments in just XXXX on XXXX XXXX XXXX. 
Instead : XXXX REPORTED XXXX LATE PAYMENTS!!!! 
See Equifax XXXX File Included page XXXX o XXXX and page XXXX of XXXX - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages XXXX - XXXX ( pages XXXX pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX XXXX XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the XXXX monthly payment of the Certified Payment Agreement was XXXX 

No matter this Equifax XXXX XXXX of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see Equifax XXXX XXXX page XXXX - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The XXXX letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female XXXX at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Westlake Services, LLC
State: MD

Complaint narrative:
My co-signer and myself went to purchase a vehicle with XXXX XXXX  XXXX XXXX XXXX a little over XXXX year ago. The vehicle was not cleaned before taking it for a test drive, and before we signed our names on the contract I specifically asked if GAP COVERAGE was included, and I was told yes. I also asked if we had an option of the pay frequency, we were told that it could be worked out with XXXX. A XXXX months ago we were struck by a drunk driver totaling the vehicle, after my insurance company paid the settlement they offered. We were told through the lien holder ( XXXX XXXX ) that gap coverage was never added to our contract. To make it worse, I never received a title ( I had to purchase and expedited a copy ), and we were pressured into adding a positive review on XXXX before they let us leave and drive off of the lot with the car! Now that I am trying to discuss and work out something with XXXX XXXX, I keep getting transferred, disconnected, or no one can provide straight-forward answers to my questions unless it's in regards to how I intend to pay.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have a very serious issue with the Barclay 's AAdvantage card. I have called twice since XX/XX/XXXX, discussed the issue with representatives and was provided with a case number, but was told it would take up to two billing cycles to be contacted by a XXXX which is unacceptable. I received a form letter yesterday ( XX/XX/XXXX ), whereby it states that they understand my concerns and appreciate the time Ive taken to provide valuable feedback however I requested a more direct contact/conversation to rectify this major error to our new account and the standard letter doesnt address my concerns or solve this issue. 

My husband and I traveled on an XXXX flight on XXXX XXXX and was provided with a paper application for the card upon departing from the flight. I completed the application, with a request to transfer {$5500.00} from our XXXX XXXX  credit card to Barclays AAdvantage credit card with the understanding that there would be an introductory 0 % APR for 15 months. I waited over XXXX weeks and hadnt received confirmation via email, phone or the card in the mail. 

My husband and I telephoned on XX/XX/XXXX and was told by a representative that there was NO record of the application. We then initiated with the representative a new application, requesting {$8400.00} ( increasing the {$5500.00} in order to cover our travel expenses ), with the understanding that there would be a transfer fee of {$420.00} and 0 % APR. 

The PROBLEM is that the representative made a significant error and misinformed us as both requests/actions occurred so that we ended up being charged for a second balance transfer for the initial request of {$5500.00} AND a APR charge ( since it was our " second request '' ). Both transfers were posted on our XXXX XXXX  card on the same day so I don't understand how it wasn't possible for Barclay 's representation to not see the initial application! 

I called twice in order to get this rectified as we DID NOT WANT BOTH, nor pay for the {$5500.00} balance transfer fee and get involved with paying an APR on the amount. In explaining the situation to a Barclay 's representative, I requested the ability to immediately pay off the {$5500.00} balance transfer, but was told it wasnt possible. I dont see how this isnt possible since the finance charge is being charged only on the {$5500.00}. balance and its a matter of crediting our credit card the {$5500.00} amount, as well as the balance transfer fee of {$270.00} in as much as this is an error on their part.

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 2023-01-12 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: NC

Complaint narrative:
How was this verified when even the collection agency couldn't find an account belonging to me? YES, I provided my full name, address, and account number ( s ) as listed on the credit report. Yet, Transunion is the ONLY bureau still reporting something that is UNVERIFIED!

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 2023-01-12 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: TN

Complaint narrative:
XX/XX/2022 In accordance to the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A -section 2 states a consumer reporting agency can not furnish an account without my written permission. 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 

15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. XXXX is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  reported on Equifax that I owe {$420.00} which is incorrect I Called XXXX XXXX XXXX XXXX  showed proof that I had video recording of me dropping the dropbox off XXXX XXXX company telephone number They change the price from XXXX to XXXX which I do have proof of I also pay them every single XXXX of {$190.00} I have my proof of receipt from the company by email They did say theyre reporting this to the credit bureau to have taken off But I reached out to have this taken off which Equifax credit plays said they would investigate and do so and they failed to do so Every time I try to get in contact with them they will not respond This is hurting my credit for unjustified reporting fraudulent report Keeping incorrect information on my account is hurtful I have proof if Im able to upload I would like to show everything please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
13 months of covid -pandemic related forbearance. I was given XXXX funds assistance with an approval that was sent to DMI. The payment to my account # XXXX was made by XXXX XXXX sent via ACH which DMI continues to state they Have not received. I have received XXXX confirmations from XXXX all which were sent to DMI and my loss mitigation rep. It's been 34 days since the payment was sent to DMI, mortgage servicer. 

Date : XX/XX/2022 Amount {$62000.00} Account # XXXX XXXX Routing # : XXXX Address : Dovenmeuhle Mortgage Inc Payment Clearing Account Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX indicated the payment included the following Reference : XXXX XXXX XXXX XXXX I need to know why DMI is lying and indicating they have not received this payment. It would be different if they indicated they have the payment and they will process it in X amount of days, but this is not what they are telling me. Confirmations of " no payment '' are done via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is in regards to a complaint I filed on XX/XX/XXXX ID # XXXX. 

On XX/XX/XXXX, I discovered I had been a victim of identity theft. A fraudulent loan was taken out in my name and a fraudulent checking XXXX  t was opened at Capital One to deposit said monies. After extensive back and forth with Capital One, including providing copies of the police report, I received notification that the matter was handled and the account was closed. 

Today ( XX/XX/XXXX ) I received a statement in the mail informing me that 'my account ' had a balance of {$4.00}. 

I received written notification from Capital One that this matter had been investigated and that the account was closed. However, considering the statement I received in the mail, that is not the case. 

I do not understand why this account, which was opened fraudulently, and has been reported to all XXXX credit bureaus, the police, to Capital One ( via XXXX phone calls, CFPB, XXXX  and the capital one complaints line ) remains open. 

I want this account closed immediately, in writing and a phone call. And I never want another statement sent to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I had an account with Robinhood and they have a program where cash is swept into bank accounts to accumulate interest.

One day it was halted and they stopped paying me interest. There was several XXXX dollars in cash ( not stocks ) that were not paid interest for despite Robinhood having said that they were to be swept and earned interest for being held at Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/2023 I applied for a personal loan with one main financial through credit karma. They did a hard pull on my credit. I have good credit. They then try to link to your bank to verify income. My income is sufficient by there standards however I bank at a small credit union that doesnt link with there software so my loan could not be processed. However the inquiry on my credit remained. So my credit dropped and I never had a chance at approval. It seems to me that they should disclose their process prior to inquiring on your credit. I called the company and they said they understand but there is nothing that they could do. This is a deceptive business practice. Why would I apply for a loan that because of technical reasons I would never be able to receive. The company told me to call the credit bureau and the credit bureau told me to dispute it with the company. One Main financial is using unscrupulous business practices and not operating with full transparency.

Company response to consumer: Closed with explanation