vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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 stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2022-06-17 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: WI

Complaint narrative:
So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I wired {$41000.00} to XXXX to purchase equipment I won in an online auction ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I wired another {$45000.00} to XXXX for vehicles I won in another auction ( XXXX XXXX XXXX and a XXXX XXXX XXXX ). About two hours after sending the second bank wire, I received information that let me realize that I was a victim of the XXXX, XXXX XXXX Scam. 

I immediately contacted the FBI field office in XXXX XXXX and file a report. The FBI officer advise me to contact my bank and ask them to retrieve the bank wires. I contacted JP Morgan Chase Bank immediately and explain the situation in detail. I told the bank representative I was defrauded {$85000.00} and the FBI officer told me to ask the bank to retrieving the wires. The representative told me she filed a report and gave me a reference number ( Ref # XXXX ). She also explained that it was not 100 % guarantee that they will be able to retrieve the wires, but my chances were great because I reported the fraud early ( the same day ), and the wires were sent to another JP Morgan Chase Bank so they have more control over the process. She told me the bank will contact me within the next day or two with a follow up report on whether they were able to retrieve the wires. Below is a timeline of the actions/activities since my initial bank report to JP Morgan Chase Bank on XX/XX/XXXX : XX/XX/XXXX - I did not hear from the bank so I did a follow-up call on XX/XX/XXXX. I was told that they could not find the report and I need to file a new report with the Wire Research Department. I filed a new report. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. 

XX/XX/XXXX Update report to add a XXXX  XXXX XXXX bank account that the Scammers were using. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. Also ask for update and state we need to act immediately and freeze the Scammers bank accounts because they will disappear the next day. 

XX/XX/XXXX Receive update from JP Morgan Chase Bank saying they are still working to retrieve the bank wires. 

XX/XX/XXXX Finally got another response from JP Morgan Chase Bank saying they request the wires to be returned but have not heard back from the Scammers so I should try and contact the Scammers to resolve the matter. 

XX/XX/XXXX I followed up with a response to JP Morgan Chase Bank to let them know I was very disappointed with their handling of the situation. 

XX/XX/XXXX Receive a response from JP Morgan Chase Bank saying they will continue the process of asking the Scammers to return the wires. 

XX/XX/XXXX Receive another response from JP Morgan Chase Bank saying the Scammers bank account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I'm a XXXX XXXXXXXX XXXX XXXX. I was in a 3 way call with my client and Rushmore Loan services. We called to know what the bank offered to her via email that my client can't open the security email and she don't know what is the offer and the expiration date.

I got representative from Rushmore XXXX who refused to provide his ID number saying that he don't have to do it. I requested to talk to a supervisor. He said that he will transfer to a supervisor that is available " if is available ''. He got waiting for more than 20 minutes and we decided to call again. This tie we have XXXX ID XXXX that give us his ID number without a problem. We asked when the offer emailed to my client will expire and if he knows what is the bank offering her. He never answer our questions. He said that the underrating department is reviewing her application. I remain him that her application was summited on XX/XX/2022 and my client never was notified her application status. We call several times about this issue but we never had an answer on that. 

I asked the XXXX what the bank was offering my client, he just stared saying that her loan has a deferral from the areas that was at the end of the loan. My client asked when that happened and XXXX said that was recently and a letter was sent on XX/XX/XXXX. I asked if the offer is about that but XXXX never answer my question and he was talking some thinks that are irrelevant for my question. I asked if he has on his records the expiration date on the offered but he didn't answer my question, he was still talking about other situations. 

XXXX would not provide a straightforward answer to the repeated question about the nature of the offer that supposedly mailed out, would not answer the repeated pointed question about whether there was deadline to accept, and repeatedly switched the conversation between a concurrent review that was supposedly happening in underwriting to see whether the terms could be made more favorable. 

The reps XXXX were combative and insulting, and eventually the client requested to end the call. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
In accordance with the fair credit reporting act convergent account 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 Inquires : 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account has violated my rights. 
XXXX5 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 Inquires : 1 XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XX/XX/XXXX XXXX Account # XXXX,XX/XX/XXXX Account # starting with XXXX,XX/XX/XXXXXXXX XXXX Account # starting with XXXX, XXXX Bank Account # starting with XXXX,XX/XX/XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in 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 an 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased two storage cabinets on my home depot store credit card on XX/XX/2022 for {$350.00}. When the order was not delivered, I had to wait months before that purchase was voided on XX/XX/2022, while still paying interest on that purchase as well as other legitimate orders before and after from that retailer.

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 2022-06-17 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: MA

Complaint narrative:
That a closed XXXX XXXX account be removed from my credit report - I believe my information was exposed.

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 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 I sent by certified mail, a notarized affidavit to CITIBANK ( Citi ), requesting a verification of debt. The tracking number is XXXX as of XX/XX/2022 this tracking number shows still in transit and the last date of movement per USPS tracking was XX/XX/2022 and displays will arrive late ( Screenshot will be provided below ). Even though it appears that this certified mail is still in transit, somehow I receive a response from CITIBANK ( Citi ) dated XX/XX/2022. This is extremely odd since I requested a return receipt and there is no record of anyone signing for this correspondence. In this letter dated XX/XX/2022, my verification request is completely ignored ; nothing I requested is provided and the letter is not signed, but a typed name ( possibly computer generated ) is provided as XXXX XXXX-Vice President-Citibank, N.A. I don't know what kind of possibly fraudulent activity is involved in order to receive a correspondence and not sign for it, so that there is no record of anyone signing for it. I paid for a return receipt and have been bilked out of this due to what appears to be dubious activity on the of CITIBANK ( Citi ) representatives. On a separate and possibly unrelated issue because it may be spam, I have also received strange spam text messages in the past few months that claim to be from CITIBANK ( Citi ) about suspicious activity, verify your identity, withholding card services etc ... ( will provide screenshots below ).

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please find my correspondence attached. Transunion is violating law.

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CARCO Group, Inc.
State: TX

Complaint narrative:
XX/XX/08 XXXX/precheck released criminal history older than 7 years and did not report the case as dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Following up to Complaint XXXX I submitted a complaint on XX/XX/2022 on CFPB to Goldman Sachs Bank .

I explained my situation as I am a victim of Identify Theft. I had requested that Goldman Sachs Bank provide me with the original loan application with wet signature so I can provide to law enforcement. Goldman Sachs failed to provide me with the original loan application as there was no hard application. Goldman Sachs narrated how the loan was taken out in my name as an online application. Goldman Sachs explained that they verified my information toward what was on their system but did not provide me with the information on their system that was used to apply for the fraudulent loan. 
Again this trade line was open fraudulently due to ID Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
ON OR AROUND XXXX XXXX  MIDLAND CREDIT MANAGEMENT APPEARED ON MY CREDIT REPORT. I NEVER RECEIVED A NOTICE IN THE MAIL TO DISPUTE THIS DEBT PRIOR TO IT'S INSERTION ONTO MY CREDIT REPORTS NOR DID I KNOW I COULD. ON XXXX XXXX XXXX I SENT MIDLAND A DEBT VALIDATION LETTER VIA USPS CERTIFIED MAIL, THE TRACKING NUMBER IS XXXX XXXX XXXX XXXX XXXX. THE LETTER WAS SENT TO THE MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THE LETTER WAS RECEIVED ON XXXX XXXX XXXX AT XXXX XXXX. ONCE AGAIN I NEVER RECEIVED ANY FEEDBACK OR DEBT VALIDATION FROM MIDLAND CREDIT MANAGEMENT. AS OF XXXX MIDLAND'S ENTRIES  HAVE DAMAGED MY CREDIT RATING BY REPORTING NOT ONLY UNVALIDATED ACCOUNTS TO MY REPORTS BUT ALSO REPORTING FALSE INFORMATION. MIDLAND IS REPORTING TO XXXX  THAT I WAS 120 DAYS LATE FOR XXXX/XXXX. THIS IS NOT TRUE I HAVE NEVER MADE ANY PAYMENTS TO MIDLAND OR NOR HAVE I HAD ANY FINANCIAL OBLIGATIONS TO THEM. I AM DECLARING THIS DEBT AS NOT ACCURATE AND WOULD LIKE FOR IT TO BE REMOVED DUE TO MY CONSUMER RIGHTS PER THE FCRA BEING VIOLATED. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-17 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, XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: AZ

Complaint narrative:
In accordance with the fair Credit reporting act XXXX Account # 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 an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XX/XX/XXXX I made no written agreements to add this to my credit reports. 

XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit 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 non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
They keep calling me several times a day including at night.. using different numbers sometimes with no caller Id. They also have been disgusting mail in different sorts of packaging.. today I received a pink bubble wrap type envelope with one sheet of paper in it threatening legal action. I messaged them that I have no money to give no job even. they have already ruined my credit. I went to a XX/XX/XXXX school and the school was found to be predatory but they expect me to pay for the loan. They need to stop. Im stressed out as it is.. with getting by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.

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