vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
In late XXXX or early XXXX of 2022 I purchased an XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ( XXXX ) XXXX. I ask them if I could finance this as I did not want to spend money from my savings. She said I will locate, get your info and let you know. 5 minutes later she said she could get it financed and so I said go for it. The company took the loan which I had ask for {$4200.00}. When I got the paperwork they had already added money for finance. The total now was {$4900.00} and the payments would be {$150.00}. On the XXXX of XXXX I went to XXXX 's and ask to trade my original purchase in for an upgrade. They told me how much it would be and I agreed. I went to my Bank witch is XXXX XXXX XXXX XXXX and ask them to take this entire loan. They did and sent a check to the finance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX. ) The bank knew that this had to be paid prior to the XXXX of XXXX to avoid adding more interest charges. So they sent the check overnight with a signature required. The check was signed for on the XXXX of XXXX. It is now XXXX XXXX and they keep adding interest and wanting a payment. I have tried to call the company numerous times and to date have had no success from anyone at this company. All I want is to protect my credit score. If they show me as a no show then I will be left with no choice but to sue them. Not sure you can help with this but I am desperate. I value my credit score of XXXX and have worked hard to get it up. All my bills are paid every month and have not ever had a late. My phone number is ( XXXX ) XXXX. If I am barking up the wrong tree then pleas notify me I may proceed. Very Respectfully, 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 monetary relief
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.

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 2022-03-06 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: TN

Complaint narrative:
This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank is now making false reports on the consumer banking reports about individuals. Citibank locked my 2 accounts and 1 without my knowledge, have now reported false information on the consumer banking report. I was trying to apply for another banking account with XXXX Bank and the report came up with fraud and saying I had committed the fraud. The bank refused me an account because of this. 

This is false information they are reporting on me. Someone committed fraud on my bank account, and I reported it. So, they claim they are not done with the investigation. It is enough you steal customers money and hold their money captive. Now you are making false reports on consumers.

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 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My mortgage company XXXX Loancare required that I have mortgage insurance until my home was at 80 % loan to value. I live in XXXX, CO where home values have gone up considerably over the past year. In XXXX of 2021, I contacted XXXX Loancare and requested my mortgage insurance be cancelled. I was sent a denial letter on XX/XX/XXXX stating my home was by them at 85 % loan to value. There was no disclosure as to how they arrived at that number. 

Prior to the denial letter, in early XX/XX/2021, I submitted a comparable home sales report from a Broker named XXXX XXXX with XXXX that showed my home was valued at {$520000.00}. My mortgage balance was XXXX so I only needed the home to be valued at {$460000.00} to have the PMI dropped. In the denial letter they stated that I needed to pay them {$150.00} so they could hire their own Broker to assess the property value. They have access to home sales through their own software and the county assessor why did they need a 3rd party? In XX/XX/2021, having made several calls to the company and receiving three more denial letters, I paid the {$150.00} fee and a broker they hired came out. They recommended the removal of the PMI and provided comparable home sales in the area that far exceeded the value my home had been assessed. 

This indicated to me that the insurance coverage placed on my home had been unnecessary for at least six months. I have requested and demanded a refund of the unearned premium of {$220.00} per month for the past 6 months from XX/XX/2021 to XX/XX/2021 and the {$150.00} fee should be refunded as well totalling {$1400.00}. 

I have already made this request with their representative XXXX XXXX and have received no response. My loan number is XXXX Her email is XXXX I might add that when making the request to have my home value reviewed, even XXXX Loancare 's website provided an assessed value above {$500000.00} for my home so clearly they had the ability to see the value of my home and yet continued to charge me premiums for an insurance that's only priority is to guard against the losses of the mortgage company.

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 2022-03-06 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: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

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 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I received two Cash App cards in the mail with my first, middle, and last name on them. The cards had different account numbers. On one of them, my middle name was capitalized and on the other one it wasn't. I have tried calling Cash App on multiple days and can not get anyone to answer the phone, no matter which option I select. A recording says that no one is available to take my call and hangs up on me. I was told by XXXX Bank that I need to contact Cash App through their app or call the phone number that I've already tried several times. I do not want to activate these fraudulent cards by downloading the app or by logging in to the app. I want to speak to someone from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: GA

Complaint narrative:
Dear CFPB, I am contacting you with regard to my original complaint sent to you CFPB # XXXX which included XXXX and Experian. XXXX has since fixed the issue and have deleted the erroneous information listed on my credit report that was in fact due to Identity Theft. It has been a constant uphill battle with stall tactics to only get no results. Experian will reply to you and say an investigation is in process with you and as of today XX/XX/2022 there is only one investigation result pending and it is one I initiated on my own for XXXX XXXX # XXXX with XXXX XXXX # XXXX untouched and not being disputed or removed at all. I am advising you that Experian has not done any of what they replied to you stating as of XX/XX/2022 per the original dispute sent to you mentioned above. Their business practice is has been unethical and not followed. 

To date since Experian has contacted you, I have not received any communication whatsoever telling me that my complaint has been received and matters are being handled. Both of these accounts are a part of my Identity Theft. I have been supplying Experian with my drivers license, the Federal Trade Commission Affidavit and the XXXX Police Report and it seems it is only a stall tactic to remove the information that does not belong to me. I understand they make money to hold your information but doing the right thing Experian seems to not understand. 

I am attaching the same documents again and wanted to advise you that Experian has not touched any of the accounts that I brought to your attention from the original dispute. 
I have also attached XXXXXXXX XXXX  results after their reinvestigation ( if they deleted, then the result should be the same for Experian ) and handling matters the way they should have from the beginning from being a victim of Identity Theft.

Per 605B the bureaus should not be reporting anything that is a part of my Identity Theft and I am tired of fighting with them over their unethical business practices.

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 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-03-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, XXXX, and Transunion, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included.

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers 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 There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates 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
Consumer complaint received 2022-03-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, Experian, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included.

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers 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 There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates 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 explanation
Consumer complaint received 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The Telephone Consumer Protection Act is a separate federal law that regulates any entity that uses the telephone to do business. It applies to debt collectors, because they often or always limit themselves to phone or mail communications in their efforts to collect debts. Like the FDCPA, the TCPA is a strict liability statute that imposes damages of {$500.00} per call meaning that damages can mount quickly for someone accused of making daily or weekly calls that violate this law. However, the Federal Communications Commission has adopted regulations that clarify when, how, and to what extent the TCPA applies to debt collectors ; so it is important for debt collectors who face TCPA claims to use counsel who is familiar with this area and who knows what might and might not be violations. 
I WOULD LIKE MY ACCOUNT REOPEN OR I WILL GO FILE A FEDERAL LAWSUIT AND SHOW IN COURT MY PHONE RECORDS OR YOU GUYS WILL HAVE TO PAY {$500.00} PER CALL AS STATED IN THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX  Account {$3600.00} balance last updated. 

Is now paid and closed. Please update.

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 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was stolen and compromise. I have file a police report. 
These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX  ( {$1900.00} ) XXXX  ( {$240.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief