vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.

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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022 Navy Federal decided to take {$440.00} which was all of the money in my account to pay a car note that I was 9 days behind on. I did not authorize Navy Federal to take the fund out of my account leaving me at a XXXX balance. This also caused my Navy Federal credit card to become late because I had a scheduled payment coming out the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022 XXXX ( XXXX XXXX ) transferred {$60.00} to XXXX XXXX on Venmo. I was unaware she had closed her Venmo account. The {$60.00} was withdrawn from my bank XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I requested a refund from Venmo and they said XXXX XXXX had to send them an email confirming she closed account. She did that and was told email not sufficient. On XX/XX/2022 she spent 2 hours on the phone with various Venmo Reps trying to unlock her account but was unable to do so. She was switched may times and got extremely frustrated and the rep hung up on her. She made 5 calls. She got an email saying someone would contact her in 24 hours. No one did. 
They withdrew my money and are not giving it to the recipient nor are they refunding it to me. I can't imagine I am the first person in this position. 

Date Description Type Amount Balance Posted XX/XX/2022 VENMO PAYMENT External Withdrawal {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I used my Coinbase Debit card to make a purchase from XXXX XXXX XXXX, and international merchant. The payment processor for XXXX, XXXX, stated they could not process the payment, however the payment came out. I contacted XXXX and they say it would be canceled and refunded within 10 days. The payment shows canceled but the funds did not return to my Coinbase balance. XXXX is saying Coinbase is responsible and Coinbase has not resolved the issue and is not responding to my communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Grain Technology, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX through XXXX Ive sent email after email requesting help changing my banking info since Ive closed one account and went to a better bank they send back an auto reply stating someone will email me back this has cost me over 90 points on my credit. Ive called and only get automated options no actual human. However they send a statement faithfully every single month. My credit has now went to the lowest its ever been all because no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OR

Complaint narrative:
My reliacard for unemployment with a balance of XXXX that I don't have anymore and need a replacement card but haven't been able to get cause of some block or something they said. I've made id verification attempts with no luck hearing back. This is my second attempt through this company. US Bank hasn't responded to me after uploading documents

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 2022-09-21 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, COMENITYCBXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
Equifax I filed a fraud report with the FTC and CFPB XXXX XXXX XXXX refuse to accept their documents They are Government Agencys by law that is all I have to do XXXX  and XXXX XXXX XXXX refuse to except the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My name is XXXX XXXX l have a loan with XXXX XXXX, service by Rushmore Loan Management services. 
I have been suffering a nightmare since the first day my loan was sold to you. 
In XXXX of this year, I bought a condo in XXXX Florida, and it was financed by XXXX XXXX. 
All my documentation was submitted and registered by them, including 1 year in advance condo insurance, and the flood insurance from my building. 
Since XXXX this year, my loan was sold to XXXX XXXX, and the documentation was apparently never submitted, by the previous loan owner. 
They start adding money to my balance without even notifying me, when they finally told me, I let them know that was wrong because I did have full insurance, paid in advance for the full year, including the flood one. 
I submit everything by email several times, and even by regular mail. 
And the last time I was able to actually speak with someone over the phone, he said that the information was received, but, never processed. 
I submit it one more time, but still shows a deb that I dont own! 
It is not my fault that the previous loan owner did not submit it completed! 
I have been trying to get the message to the people that call me harassing me for something that is not right! 
And now for the past 2 weeks, I have been trying to speak with someone on customer service, and is absolutely impossible, that customer service line XXXX XXXX XXXX became only an automatic system, and is not possible to speak with no one. 
Please help me, I need them to register the insurance information from day one in my loan, delete the amount of money that was a wrongful charge to my balance, and clear my loan. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AL

Complaint narrative:
We opened a new account with PNC Bank on XXXX XXXX XXXX in XXXX, AL. They did not confirm our addresses under this new joint checking. They sent to co-applicant 's mail to MY address. A woman resides there and is not to know the name of my cosigner on joint checking, and now she has his full name, breaking regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights tot privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX account # xxxxxxxx XXXX contact : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : CREDIT BUREAU XXXX, DE XXXX XXXX This account has been closed and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX XXXX I do not recall this information and debt, I wish this to be removed from my credit report Account name : XXXX XXXX XXXX account number # xxxxx XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This has been closed and paid off and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have not given them approval to run my credit and I wish this to be removed from my credit report 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 written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of information any other adverse item of information, other than record of convictions of crimes which antedate the report 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 2022-09-21 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 contacted trans union about an incorrect item for child support from the state of Louisiana thats on my credit report because O dont have a child support case in Louisiana . I have two in Texas but the left it on my report showing 155 months plus of missed payments. When my payments are deducted from my paycheck weekly by my employer.I contacted them in XXXX of 2021 and I had no results. I contacted XXXX also and they removed the account from my credit report.

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 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi this XXXX XXXX and I requested the method of verification to which I am entitled but unfortunately, you guys didn't do any of what I've been requested you to do. You guys need to get your errors rectified or I will be forced to take this to the next step should you continue holding me up. The letter was sent on XX/XX/2022 and it's been over a month now.

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 2022-09-21 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, AFFIRM INC Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit 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 2022-09-21 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: TX

Complaint narrative:
Experian I filed a fraud report with the XXXX and CFPB they are government agencys That is all that I need to do XXXX XXXX XXXX AND XXXX  state they will not take it, Not sure if XXXX XXXX  XXXX stated any thing because they sold to XXXX  and letter came through 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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Spring Equity LLC
State: TX

Complaint narrative:
My credit was pulled on XX/XX/2022 by XXXX XXXX with XXXX XXXX without my consent or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I don't even know where to begin. I've been dealing with Dovenmuhle Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and Dovenmuhle claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXXXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit 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