vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I send in a copy of the text that I received to there XXXX. I received a text stated that " A suspicious Activity Detected On Your Debit/ATM card so we placed A Restriction, To Verify your identity Follow XXXX XXXX XXXXXXXX. ''

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 2022-04-20 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: IL

Complaint narrative:
On XX/XX/XXXX I received a credit report from Experian, stating a social security that is not mine, but a fraud! 
I never had social security in United States. I only have XXXX since XX/XX/XXXX ending in yyyy. 

I already sent Experian the letter and documents they requested me over 30 days, and I still have this fraud on my name. 

What should I do since Experian dont respond me? I try to call and no one can help me through the phone because I only have XXXX. I send a letter and I still dont get any answer about this fraud. Could you please help? 

Sincerely,

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 2022-04-20 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: FL

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 XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
A company I own XXXX XXXX, has a dispute with a credit card processing company " XXXX  '' I understand this is a business dispute and a business matter between XXXX XXXX and XXXX that needs to be resolve. However a collection agency Caine & Weiner has turned the business dispute into a personal matter. 

Caine & Weiner knowing it is a business dispute, as they affirm in their collection notice attached, has placed a collection account into my personal credit file. 

I contacted Caine & Weiner via telephone, they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XX/XX/2022 and XX/XX/2022 ive applied for the XXXX  XXXX  XXXX XXXX due to XXXX  andthey denied my application twice after putting in my social security number twice. for personal family and household 15 U.S. Code 1691 - Scope of prohibition 15 U.S. Code 1681m - Requirements on users of consumer reports

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 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Venmo sent me XXXX for opening an account with the and I was trying to transfer the money to another debit card and I did not see the teeny tiny fine print stating that the rules on some financial institution that if rejected money is lost. Not refunded. I want my money back. XXXX XXXX. XXXX. Happened in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 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: AL

Complaint narrative:
These credits were not made by me. I didn't not authorize these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CA

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 XXXX # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-20 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 to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
XX/XX/2022 I CALLED XXXX TO REPORT THAT I HAD INACCURATE INFORMATION ON MY CONSUMER REPORT THANKS TO THE WONDERFUL LADY SHE HELPED ME GET RID OF MOST OF THE THINGS ON MY CONSUMER REPORT BUT IM NOT DONE. XXXX GOT RID OF XXXX INQUIRIES THAT WERE SUPPOSED TO BEEN INVESTIGATED WHICH BY LAW MY CONSUMER REPORT IS SUPPOSED TO BE INVESTIGATED WITH FORWARD NOTIFICATION THAT MY CONSUMER REPORT WAS INVESTIGATED. I WANT XXXX TO BE AWARE THAT ALL NEGATIVE REMARKS FOUND ON MY CREDIT REPORT IS A VIOLATION OF THE FCRA AND FDCPA. I AM WILLING TO SETTLE THIS OUT OF COURT. 

DEMANDING {$1000.00} PER INQUIRY REMOVED = {$21000.00} PLUS VIOLATIONS VIOLATED {$1000.00} = {$2000.00} CHARGE OFF XXXX = {$1500.00} XXXX XXXX XXXX. PAY STATUS- SATISFIED XXXX XXXX XXXX. PAY STATUS- SATISFIED, REOPEN CREDIT CARD, INCREASE TO XXXX CREDIT LIMIT SETTLEMENT CHECK {$24000.00} email me at XXXX for mailing address for settlement check XXXX : XXXX WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
XX/XX/2022 I CALLED XXXX TO REPORT THAT I HAD INACCURATE INFORMATION ON MY CONSUMER REPORT THANKS TO THE WONDERFUL LADY SHE HELPED ME GET RID OF MOST OF THE THINGS ON MY CONSUMER REPORT BUT IM NOT DONE. XXXX GOT RID OF XXXX INQUIRIES THAT WERE SUPPOSED TO BEEN INVESTIGATED WHICH BY LAW MY CONSUMER REPORT IS SUPPOSED TO BE INVESTIGATED WITH FORWARD NOTIFICATION THAT MY CONSUMER REPORT WAS INVESTIGATED. I WANT XXXX TO BE AWARE THAT ALL NEGATIVE REMARKS FOUND ON MY CREDIT REPORT IS A VIOLATION OF THE FCRA AND FDCPA. I AM WILLING TO SETTLE THIS OUT OF COURT. 

DEMANDING {$1000.00} PER INQUIRY REMOVED = {$21000.00} PLUS VIOLATIONS VIOLATED {$1000.00} = {$2000.00} CHARGE OFF XXXX = {$1500.00} XXXX XXXX XXXX. PAY STATUS- SATISFIED XXXX XXXX XXXX. PAY STATUS- SATISFIED, REOPEN CREDIT CARD, INCREASE TO XXXX CREDIT LIMIT SETTLEMENT CHECK {$24000.00} email me at XXXX for mailing address for settlement check XXXX : XXXX WITHOUT PREJUDICE

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 2022-04-20 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:
XXXX XXXX XXXX {$130.00} opened XX/XX/XXXX [ collections ] XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX {$2000.00} [ closed ] in accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out 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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Switched providers from existing carrier to XXXX for a few days in XXXX XXXX. Service was extremely poor in my area that I switched back to original carrier. Contacted customer service a XXXX and they agreed to cancel my account and told me I had zero balance since I only had the service for 3 days. All 4 phones were ported back to original carrier. I continued to get monthly statements even though I had canceled the service. Several phone calls to XXXX including conversation with supervisors and they all agreed to zero the outstanding balance and that no payment was due. These call centers for customer service were all internationally based. I spoke to no Americans during my conserveration on the bill. I was reported to collections a few months later. Turns out that XXXX had a data breach and both my SSN and drivers ' license were compromised as well. 
XXXX turned in the fraudulent debt to collection agency " Receivables Performance Management ''

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a Vanilla Gift Card for the amount of {$500.00} ( total of {$500.00} ). A few weeks later I gifted it to my sister to help her with her moving expenses. She then tried to use the card a few weeks after where she realized that the card has only a few dollars left in it. This was the first time she opened the card and tried to use it. Then she checked online for the balance and realized that the card has been previously used. Checking online we realized that someone had used this card on XXXX and made multiple purchases from XXXX and XXXX and now there is only {$2.00} left in it. 
Neither myself nor my sister have ever opened or activated this card before that day ( XX/XX/XXXX ). 
I contacted Vanilla customer service immediately on XX/XX/XXXX and opened a claim ( case ID XXXX ). I was told that someone will contact me within a few days but no one did. I contacted the support and they said I need to wait for 90 days. I waited for more than 90 days and then followed again, they escalated my case and told me that someone would contact me within 48-72 hours but no one did. I followed up 3 times like this and got the same answer and no one ever responded. I also emailed them a few time with no response. It's been more than 5 months and I still have NO resolution. I emailed them a few times and told them that I would open a claim with consumer protection agencies if I hear no response from them. Again no response. At this point it is evidence that they are not trying to help me and are not responsive to the issue they caused me due to their low security product that has cost me {$500.00}. I really appreciate your support here as I am not sure what to do and how to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called said company : Experian on in XX/XX/2022 3 times and XX/XX/2022 3 times and have never been able to be transferred to a live agent to discuss the inaccurate credit score. 
When called I am transferred, and the call is ended due to the face there is not a option to speak to an actual person at the company. The only time I was able to speak to a person they transferred me and then the call is ended.

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 2022-04-20 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: MS

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, has violated my rights. 
XXXX XXXX XXXX. # XXXX XXXX XXXXXXXX. # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: MS

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 XXXXXXXX XXXX XXXXXXXX. # XXXX, has violated my rights. 
XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX. # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: AL

Complaint narrative:
These credits were not made by me. I didn't not authorize these charges.

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 2022-04-20 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: AL

Complaint narrative:
These credits were not made by me. I didn't not authorize these charges.

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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I applied for a loan modification and a file was completed 37 days before the sale date. A representative from XXXX took a personal interest which was negative and denied the file while we were on the phone with him. He was stating there was one item missing. We called back the same day and sent the document to a supervisor who stated the file never should have been closed and she would try to reopened it, which she was unable to do. The representative who denied the file is XXXX XXXX XXXX he was very rude and denied the modification stating we were under 37 days, although this was not true it was day 38. We then filed a complaint against representative. The supervisor stated they will call me back to let me know if XXXX supervisor will reopen file and stated it was denied in error. Our complaint also stated to remove XXXX XXXX from the file. He was no removed. We went to court to have the court move the sale date which was approved and we submitted the loan modification a second time. XXXX XXXX failed to even open the file until after the 37 day rule had passed, making us ineligible for a review. This is unfair how one representative with a bad attitude and a need to hurt others should be allowed to make a decision that no one can fix. 

I then filed a complaint with the CFPB and the file was opened. A fast and incorrect review was conducting and I was denied within days as Rushmore stated I did not have enough income. My income was more then enough. My debt ratio was under 25 %. I explained to them that they left out half of my income in the file. I then sent an appeal which was denied days later because the sale date was " too close '' as the rep stated to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
Waypoint Resource Group LLC reported an account to the consumer bureaus before their 45-day policy of doing so due to a 7-day processing lag. When calling them out on this, the supervisor assured me that this account would not be reported and provided to me in writing that a request to delete the account from my consumer reports would take place. Surprise, it is showing on my consumer report. I have provided documentation here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation