vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
They have not paid the real estate necessary taxes that were due. They are overdue {$13000.00} approx in payments

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 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My husband and I have files several disputes with XXXX, XXXX, Transunion, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, XXXX and Transunion reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.

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 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
I have a home loan with XXXX aka The Money Source, I filed for a modification and it was finalized XXXX of XXXX  I had fell behind on some payments during Covid 19. I had reached out to XXXX and have requested that they remove the late payments due to the Cares Act/Covid 19 due to the hardship going on with the pandemic there should have been no adverse reporting 's on my credit report, TMS refuses to remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I hope this message finds you well. On the XXXX XXXX XXXXXX/XX/2023, I opened a PayPal account for my Business in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I messaged customer care asking them that I'll like to verify my account. Which I got a link where I uploaded all my personal documents for my business which includes, proof of address, utility bill, certificate of incorporation. After uploading this information on the PayPal website. I got an email later saying my identity has been confirmed. Upon confirmation of my identity, few minutes later I got another email asking me to upload my ID and proof of address which I did, then the next thing my account got limited permanently. After uploading all my personal details. I didn't even make any transactions on the app PayPal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i spoke with someone from the bank and there was three accounts opened two checking and one savings i have not used bank of america in years and now they are saying that i owe them {$1800.00} for something that was not my fault i been trying to report it as fraud and they just keep calling my cases out and its stopped me from getting other accounts because this one is owed on and this is ridiculous i been going through this for 4 years now and XXXX cant open no bank accounts at no other bank because of this is on my XXXX XXXX credit and i just want it cleared up

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 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
Due to the pandemic and economical hardship I am going through a divorce and have reached out to XXXX via letter requesting a hardship forbearance back on XX/XX/2022. I received correspondence back from XXXX dated XX/XX/2022 that they were in receipt of my loss mitigation package and that it would take approximately 30 days or less to approve or deny the request. Today is XX/XX/XXXX and every week I receive a call from XXXX requesting pay stubs, this has been going on every week and I have all the email proof of transmittals confirming that they received this info yet they continue to claim that the do not have it. I am hanging by a thread and require immediate help. This can not continue in this path, I reach out and ask for help and no one is willing to assist. I feel that all of this is a stalling tactic to prolong the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I hope this message finds you well. I am reaching out today to inform you of some inaccurate information being reported on the consumer report. According to 15 U.S.C subsection 1861 ( b ) you all do not have permissible permission to report anything on the consumer. Also, according to 15 U.S.C you all do not have written or verbal consent to furnish anything on the consumer report. The following accounts that are inaccurate are as followed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX I do acknowledge these inquiries as valid. I do not give consent for them to be furnished on the consumer report. Also, if an investigation is conducted, per the FDCPA the furnishing company must provide the information of the investigating agent, they must check with close family friends and neighbor that knows the consumer best and not just accept a false statement solely from a third party according to 12 CFR 1006.34 and 1006.38. I hereby Demand that the inaccurate reports be remove from the consumer report perpetually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: GA

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 the 15 U.S.C 1681 Accounts XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 1681 s-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 2023-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
CHIME closed my account without notice and will not release my money to me I have reached out many times with no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are numerous amounts of errors on my XXXX, Transunion, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well.

I was also a victim of the data breach. I have sent XXXX/Transunion/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, Transunion, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.

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 2023-03-01 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: MI

Complaint narrative:
There are numerous amounts of errors on my XXXX, XXXX, and Experian consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. 

I was also a victim of the data breach. I have sent XXXX Experian a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, XXXX, and Experian is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.

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 2023-03-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted Experian numerous times in ref to a membership I never signed up for and cant get canceled. I have attempted to file several disputes regarding issue. 

Experian has been charging me XXXX a month since XXXX XXXX I am requesting immediate cancelation and refund of all monies received since XX/XX/2018 I am preparing to take this matter to court if we are unable to come to a resolution.

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 2023-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
I was in the process of switching phone carriers and I recieved a call from my husband saying a debt collector called him and was very persistent i then got my phone on the same day and my friend XXXX called me and told me that they called her to that day then my mom called and they had also called her and ask for information and they repeatedly tried to harrass my friends and family with calls within 24 hours. I spoke with them this morning, they had no reasoning to be calling everyone in reguards to my debt and it has become embarrassing and upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Made a purchase online thru XXXXXXXX XXXX XXXX XX/XX/XXXX via my cash app card. For whatever reason my items where shipped in two packages. One package came thru USPS totaling {$5.00}. Second package was ship thru XXXX XXXX. for XXXX. Receive a notification that my package has been delivered. I check my ring camera no one had arrived at my home. XXXX XXXX XXXXXXXX XXXX with my tracking number and look at the photo uploaded by the driver. The home in the picture isn't my home. Contact XXXX XXXX rep tells me to give them 2 days to investigate. They tell me it was delivered I tell them no it wasnt so they ask for proof i send photos of my home. Too only be told contact the merchant we cant find your package. Contact XXXX XXXX XXXX they say well unfortunately since XXXX XXXX states your package as delivered we cant issue a refund. Contact the bank you use. On XX/XX/XXXX for the first time the claim dispute with Cash App for a refund in the amount XXXX. I've submitted documents regarding emails from XXXX XXXX and XXXX XXXX as well as photos of my home and a video of my home. And my claims are being denied stating I receive the goods. There's no one on the support team to speak with via phone. The only answer i keep getting is to file a claim. Then on XX/XX/XXXX I receive a provisional credit for XXXX. The amount is XXXX. I receive my order for XXXX via USPS. Companies involve are giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion and XXXX are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via 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 2023-03-01 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX IC Systems added a collection account on my credit file for {$120.00} without any type of notification which violated 15 U.S. Code 1692g of the Federal Trade commission.

I filed bankruptcy in XXXX which this debt was discharged XXXX XXXX Case # XXXX Attorney is XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX As a condition of my employment, I can not have any derogatory information on my credit file after my discharged bankruptcy. 

This was an XXXX XXXX bill which I had no knowledge of still owing. I have contacted the company and was assured that the item would be removed by XX/XX/XXXX, this company has been known for not following FDCPA guidelines. I spoke with XXXX ID # XXXX. This has to be resolved immediately. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Metacorp LLC
State: MO

Complaint narrative:
I was in the process of switching phone carriers and I recieved a call from my husband saying a debt collector called him and was very persistent i then got my phone on the same day and my friend XXXX called me and told me that they called her to that day then my mom called and they had also called her and ask for information and they repeatedly tried to harrass my friends and family with calls within 24 hours. I spoke with them this morning, they had no reasoning to be calling everyone in reguards to my debt and it has become embarrassing and upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Price of car different than list sent to chase auto. Terms of loan different than greed upon. Accident conditions paper e signed not by me. {$22000.00} down car trade in {$12000.00} XXXX cash on {$32000.00}. Fraudulent signatures..registration tags. Not my email, old license, address submit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Metacorp LLC
State: MO

Complaint narrative:
Yesterday myself and my family and friends recieved calls from this debt collector. In the messages left they said they were medicorp which associates with XXXX. Once i called they made me verify information before telling me they do not collect medical but they are collect from a loan. At this point i am embarrassed and upset that they tried to lie and that they contacted random people in my life

Company response to consumer: Closed with explanation