vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
The account was paid in full via my bank and confirmed. However, they have send me a statement received today with the incorrect balance. Attempts to reach them useless. Zero balance PAID should be reflected on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: CA

Complaint narrative:
XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/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 2022-04-23 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: GA

Complaint narrative:
On XX/XX/2022 I notified the Equifax of inaccurate & non-compliant accounts as well as other errors being listed in my Consumer Reports generated by Equifax. After not receiving any correspondence from them, I notified them again of my concern of the previously mentioned violating accounts on XX/XX/2022, and I still have yet to receive any correspondence about their efforts to correct the errors and correct my consumer report. Not only is Equifax in violation because of the inaccurate and character defaming items reflecting on my Consumer report generated by them, but they have also ignored my rights as a consumer granted by the Fair Credit Reporting Act to correct any and all errors being reflected in my consumer reports. This issue has caused substantial financial restrictions making me unable to continue my pursuit of economic involvement as a member of society but has also caused a major blemish on my character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
There is an unknown charge on my Milestone card. 
XX/XX/XXXX Trans date XX/XX/XXXX Post date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed 2 disputes with Milestone regarding this. Nothing has happened. I did not purchase this item and I received no such item. Doing a bit of research the item is an XXXX help manual. I do not own any XXXX  products so why would I buy such a thing. The XXXX number listed in the transaction does not belong to any business related to the so called item. 

This transaction is fraudulent and I want a refund of funds as listed under my card rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX  XXXX Ohio XXXX. XXXX XXXX XXXX  FL XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX, XXXX. Phone 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 non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX. XXXX XXXX XXXX FL XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX, XXXX. Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a wire transfer through Chase branch office in XXXX, IL ( Branch # XXXX ), on XXXX XXXX to a bank in XXXX for the purchase of a home in XXXX. Transaction # XXXX. The current home owners are from XXXX. This contract started in XX/XX/2022. On XXXX XXXX I received email notice from Chase stating the wire transfer was canceled with no details. The money was not returned to me. I made several contacts to the Chase Branch manager XXXX XXXX and XXXX XXXX. XX/XX/XXXX, XXXX XXXX said I needed to get an XXXX license. I provided this license and contract for real estate to XXXX XXXX. The XXXX XXXX  is not being sanctioned. I asked her to resend the wire transfer but it was not done. I also contacted Chase Headquarters, Chase XXXX Department. No one will me help get my {$22000.00} back from this wire transfer. I am scheduled to fly to XXXX today, to close on this real -- -estates on XXXX, XXXX. I already have paid XXXX Euros which is at risk of me losing if this does not close by XXXX XXXX. The real estate contract has an additional XXXX Euros which I was advised not to send another wire transfer at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NC

Complaint narrative:
Im accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act has 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. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Regional Management Corporation
State: NM

Complaint narrative:
XX/XX/2021, Regional Finance sent a check and somebody who is not me cashed it. This resulted in me owing them money and impacted my credit report in such a negative way that I am no longer able to receive a mortgage to buy a house. They said it has not been paid in 120 days so they wrote it off and are waiting for it to be sent to collections. I have filed a police report, contacted all of the bureau 's and was told I need a letter from Regional Finance acknowledging it was fraud to get this off my credit report. Regional Finance has been uncooperative, they told me that they wrote it off and there is nothing I can do until a collection agency buys my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
I have a mortgage account with Guild Mortgage and have for several years. I do almost all my account servicing through the company 's online account portal. Last XXXX, XXXX, my online account access ceased to recognize me. This happened once before for less than a month before the online access was restored. I have easily spent over 40 hours of my time trying to get this resolved. I have called and written to customer service, escalations, the local office and the customer service point person XXXX XXXX, stopped responding to the status of the resolution XX/XX/XXXX. He did tell me quite a long time ago that this issue is a 'known problem '' with a few accounts. For the first six months I had no account info at all as I opted for paperless setting. I do receive mail statements but I must have full, reliable, 24 hour on line access to my mortgage account. I have reported this the the area XXXX  last month and they have not received a response from the company. I do not know what else to do. The staff at Guild are always professional and courteous but my serious problem does not get fixed. I am hoping that by escalating the complaint to 3rd party enforcement agencies, that I will finally get back my full on line account access for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
As a federally protected CONSUMER I requested an extension of my credit from XXXX for family and household purposes and they processed the transaction with Santander. Santander fraudulently required me to put a downpayment to receive my extension of credit. Not only did they do that, but when I found a car for less money, they raised the down payment amount to {$21000.00} making the terms of the credit transaction impossible for me to move forward with. Santander is in violation of TILA. Santander has unauthorized use ( XXXX5 usc 1602 ( p ) ) of my credit card in which they received my number but of no benefit to me. It has only harmed my chances of bringing home the car. I am fully prepared to exercise my right to remedy under TILA and will avoid going through the normal channels, but to the trustee indenture, then court. This is not a full reflection of violations against me and actual damages have been experienced by not being able to bring home a new car. 15 U.S.C. 1602 - ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I was with XXXX XXXX XXXX XXXX I left in good standings and my ex wife didnt which they made me pay on her bill illegally. I am total XXXX XXXX XXXX XXXX XXXX  which they took advantage of my situation. The person at XXXX XXXX XXXXXXXX XXXX of XXXX XXXX XXXX He called them and set up for me to make payments on XXXX $ I dont owe. The dept collection for XXXX XXXX is Conserve dept collectors Which it messed my Credit card up right now as they investigate XXXX days XXXX XXXX said this would help my credit, and on a recorded line he said I will call when I get home explaining about my wife and I just wan na do the right thing thats a lie Why? Because I would never pay someone bill when I only get low income. 
Conserve took my card off but I made a {$89.00} and a {$100.00} payment already FRAUD is what it is I want to sue them for my damages and whatever else come with it XXXX XXXX if unavailable leave message

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: MO

Complaint narrative:
I contacted Medical Data Systems regarding a medical bill that the VA would have paid had their client properly submitted the bill. VA spoke with Medical Data systems on XXXX they informed the VA they would remove this from my credit report while this has been investigated. They did not and they continue to call and threaten me.

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 2022-04-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MO

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 U.S.C 1681. 

XXXX XXXX- account # XXXX Has violated my rights XXXX XXXX- account # XXXX has violated my rights XXXX -account XXXX XXXX has violated my rights XXXX XXXX- account 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

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 2022-04-23 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: NC

Complaint narrative:
Im accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act has XXXX XXXX XXXX XXXX violated my rights. 

1

5 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 acc
ount without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish 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 2022-04-23 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: NC

Complaint narrative:
Im accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act has 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. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX 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 2022-04-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # 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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2022

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 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These companies keep reporting this information on my consumer reports and they need to be deleted

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