vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and XXXX  every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.

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 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio first contacted me in XX/XX/2021. I sent a letter to cease and desist communications until they validated the debt. They failed to do so and now the phone calls are back and was also threatened with harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX card # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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:
I am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking Equifax, XXXX, XXXX to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My Experian credit report reflected a hard inquiry for XXXX XXXX XXXXXXXX credit card done XX/XX/22. I did report to Experian and they are adding a fraud flag and advised me to create a report here. 

Additionally my XXXX online account was hacked where someone ordered auto shipment of dog treats ( I only have cats ). They have refunded me and de-activated the account while they investigate the fraud. 

I am not sure if both are related but I find it quite coincidental that both happened today. 

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 2022-08-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX 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 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 2022-08-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # 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 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 2022-08-04 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: GA

Complaint narrative:
EQUIFAX has been contacted 7 times within the past year about inaccurate personal information on my credit file and to date ( XXXX XX/XX/XXXX ) they have still not fixed this issue. Equifax was first contacted about my name being incorrect in XX/XX/XXXX, this inaccuracy was corrected directly over the phone. About 30 days later when I apply for a credit card XXXX names were then displayed on my credit file, XXXX of them I have never gone by, signed or even used as my name or alias. I've requested that EQUIFAX remove the other 2 names and they have refused each time even after I have supplied supporting documents ie., birth certificate, driver 's license and a copy of my passport which all have my full first, middle and last name displayed. I also attached a letter explaining that even though the documents I forwarded had all XXXX names displayed that I have never gone by those names and I only wanted my credit report to display my first and last name only. Equifax continues to ask me to resend the same XXXX documents and each time they receive them, they update my credit file to the opposite of what is currently displayed. If XXXX XXXX XXXX is what they see, they change it to XXXX XXXX XXXX and vice versa. They finally took my complaint seriously when I called today and they gave me a confirmation number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, Capital One Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, Capital One Account # XXXX, and Department of EdXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
On XX/XX/2022 Experian stated they updated an account that I have been disputing for over 3 months, how is that possible when they did not do an investigation? In fact the status on my report shows it has not been updated since XX/XX/2022, however I received the update notice on XX/XX/2022 ( 5 months later ). There is INCORRECT information on my credit report SHOWING THE ACCOUNT IN QUESTION INCLUDED IN A BANKRUPTCY, BEING 30 DAYS LATE TWICE IN A ROW AND MULTIPLE CHARGEOFFS ( all not reporting 100 % accurate as required by the FCRA, and ILLEGAL UNDER THE BANKRUPTCY CODE. since more than 30 days has passed since this account was updated Experian is required under the FCRA to remove the listed below or I will seek monetary damage of {$1000.00} per violation. Enclosed is proof Experian continues to violate my rights under the FCRA. Account 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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX. 
XXXX has been taking small amount of money out of my account for almost a year. Last 2 month it has grown to {$1000.00} over the last few times.

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 2022-08-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I used the Apple Card backed by Goldman Sachs to purchase transportation services from XXXX XXXX. The services werent provided, including the company lying about them being scheduled. Goldman Sachs ruled in the companys favor that my deposit should not be returned. I provided email threads and contact details demonstrating my case. It didnt appear that anyone even read them before ruling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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: Penn Credit Corporation
State: FL

Complaint narrative:
Keep removing and returning back to my credit Ive been dealing with this for years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking account on XX/XX/XXXX based on information received via direct mailing involving a promotion wherein I would be paid XXXX USD if I satisfied the conditions. 

The conditions were outlined indicating that I should meet direct deposit requirements, minimum balance, and keeping the account open for 90 days prior to getting the promotion. In addition, it states that I should not have had an account within the past 12 months. 

I contacted the company via website chat on XX/XX/XXXX with regards to the status of the promotion. They responded to me indicating that I should not have had a relationship with the bank prior to XX/XX/XXXX. The promotion mailer does not specify this criteria.

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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX TRANSUNION reporting XXXX  Account # XXXX Bal Date XX/XX/22 is reporting incorrectly. 30 day late reporting is incorrectly appearing on the report and is hindering me from obtaining new credit. 

There were technical issues beyond my control dealing with their website which had numerous errors in order for me to gain access to it in a timely manner.

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 2022-08-04 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:
XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXXXXXX  ACCOUNT # XXXX # XXXX XXXX # XXXXXXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Hello. I consolidated my federal loans in XXXX and have been participating in the Public Service Loan Forgiveness program since that time. I currently have 120 qualifying payments. I have worked full time/40 hours at a non-profit since XXXX. My loan server has been fedloans during this time. I applied for PSLF through XXXX in XX/XX/XXXX. I waited 3 months for a response and then received a denial letter stating reason is not being employed full time. I have worked full time since XXXX. When I spoke with the XXXX rep, they stated they thought there was a scanning error and " 40 hours '' looked like " 10 hours. '' I disagree and think it looks like 40 hours. Nevertheless, I re-submitted a PSLF application to fedloans. Shortly thereafter, my loans began a transfer process to Mohela that took two weeks. I went ahead and submitted my PSLF application to Mohela. I additionally submitted old employment certification forms from previous employers to Mohela. I spoke with the Mohela rep who tells me it could be mid XXXX before anyone gets around to looking at my application. I have been getting the run-around for 6 months now. I qualify for PSLF and would like my application reviewed so my loan and move forward with discharge. I have been participating in this program for over 10 years and should be prioritized above other borrowers who now only qualify under the new rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and equifax aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XX/XX/2020 bought a hyundai XXXX from Hyundai XXXX XXXX pushed me into buying car that they never let me test drive stating your age you cant drive this car because youre XXXX which is nonsense I just needed a car and was dedicated to buying a car but they said I could test drive it once i came back and when i came back they basically gave me a pen sign contract give me down payment we request and youre on your way also by over promising things that will be included made me buy warranties I didnt need nor want without giving me a chance to say no asked for downpayment meanwhile took a loan out for more than out the door price they gave me when I saw contract guy said dont worry that isnt what your paying for meanwhile took advantage because ut was my first car bought.

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 2022-08-04 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, Transunion has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent. 

Transunion is in violation of FCRA Section 611 Part ( A ) ( 1 ). 
on XX/XX/2022, 9 certified mail envelopes regarding many discrepancies on my consumer report where sent over to Transunion. I have signed green slip receipts showing they accepted my mail. However, my transunion consumer report never reflected an ongoing investigation. After, 30 days and even an addition 30, Transunion, never responded or sent me any correspondence with any of the 9 matters.

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I went out of town from Illinois to Georgia. I only took one card, my Capital 1 credit card. I ended up going to XXXXXXXX XXXX XXXX in GA, where I was able to pay for my food, but when I swiped to pay for the games, my card was declined. I opened the app to see that my card was restricted. This was Friday, XX/XX/XXXX. I was told that a representative would reach out in 10 business days. They left me stranded in GA with no financial way to get around, for no reason. A representative never reached out. It is now XX/XX/XXXX, and my account is still restricted. I took out a XXXX dollar cash advance, and I feel like they have restricted my account so that the fees build up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Keep removing and returning back to my credit Ive been dealing with this for years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was receiving a phishing email ( later determined ) to my school email account saying that there is a student part-time job opportunity in which the weekly salary is {$350.00}. This email asked me to send my personal information to the phone number XXXX. The person sends the email indicating he is the agent of a professor named XXXX XXXX at the University XXXXXXXX XXXX, and the person who owns the above phone number indicates she is professor XXXX. She first sent me a fake check with {$1800.00} to purchase school supplies, and later let a sales representative send me an email that request me to send {$1500.00} to a XXXX account name XXXX XXXX on XX/XX/2022. I reported this situation to my Bank of America fraud department on XX/XX/XXXX, and they replied on XX/XX/2022, that they couldn't approve my claim.

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