vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-10-07 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:
A credit card account showed up on equifax, XXXX, and XXXX  at the XXXX XXXX XXXX. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with XXXX XXXX XXXX. They, the credit report agencies said I had to take it up with the bank to correct. I called the XXXX XXXX XXXX and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A credit card account showed up on XXXX, XXXX, and experian at the XXXX XXXX XXXX. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with XXXX XXXX XXXX. They, the credit report agencies said I had to take it up with the bank to correct. I called the XXXX XXXX XXXX and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.

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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I sold an item online & was paid through Venmo. Venmo sent emails to verify my identity. Venmo later sent an email to verify my bank account. I completed those task as requested. My account stated that money would me transferred to my bank account through standard transfer on XXXX. After several calls & chats my account was permanently deactivated on XXXX. I have not been able to get an explanation, nor have i been able to access my account. In the email, Venmo stated that the funds would be held for up to 180 days. So now, my rent money, car payment, & money for travel ( I'm an XXXX XXXX ) is frozen/inaccessible. Venmo even charged me a sellers fee ( 1.9 % + {$0.00} ). I have been a Venmo user since XXXX & a PayPal user since XXXX. I'm not sure why they would leave me in such a bad position. I'm still not sure if I'm being scammed out of my money because all the emails, chats, & calls are basically robots or people that have no knowledge of what's going on inside the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TIDEWATER FINANCE COMPANY, INC.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX thru XX/XX/XXXX Tidewater Finance Company is reporting inaccurate information to credit reports ( XXXX XXXX and  XXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX attorney, at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX, FL # XXXX This is not an owed debt. During our lease the upstairs apartment flooded into ours causing major mold issues. We all ended up having to move out early and sleep elsewhere for our health. Still with us having to do this we paid our lease in full to the end date XXXX and always paid on time or early every single month. Not once were we late. Many work orders were made due to the mold that was constantly " cleaned '' or " taken care of '' that would immediately come right back. We then got sent a final bill that billing said they were taking care of with management and waiting on them to respond. I had to contact them for months when this first happened. I was under the assumption it was handled until yesterday when I got an email from this debt collector. This money is not owed to my knowledge. If anything we should be owed for our deposit we never got back when we left the place looking better than when we moved in, the mold kits we had to buy to cover ourselves in the event this would happen, the roach products we had to purchase constantly, the months we couldn't even stay there from the mold and flooding. We never asked to be credited for any of those so it's very disappointing that this is happening. I have contacted the XXXX  in regards to this as well. The apartment was unlivable and we got very sick. I have attached photos of the mold as well as our mold kit results. Also the mold was coming up from carpets that also shows in the work orders with management. The carpet was left the exact same way as when we moved in except for the mold spots that was coming from underneath that I can not control. We spent months trying to get this resolved, thought it was, but clearly never got resolved. I called the debt collector to get an itemized statement. She immediately asked for my social and I said I am not giving that out over the phone. She signed real loud then transferred me to another lady and she asked for it again and other personal info and I was like Im not giving that out and the second lady yelled " yeah she already told me '' then just started literally screaming " have a nice day '' over and over again. They already have my email and was just asking for an itemized bill to be sent to the same email they already have but refused because I would not give them my social number. Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX 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 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 2022-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I attempted to make a {$3700.00} Cashier 's Check deposit to my Bank of America personal savings account by visiting a local branch of theirs here in XXXX, TN on Wednesday, XX/XX/XXXX. The check was drawn from XXXX XXXX  here in XXXX, as part of a withdrawal also occurring on XX/XX/XXXX. XXXX at XXXX XXXX  stated to myself in person at the branch located on XXXX XXXX XXXX, XXXX TN that the check had been paid, and also proceeded to give me written documentation to that effect. 

Upon arriving at the Bank of America branch on XXXX XXXX here in XXXX this morning ( XX/XX/XXXX ) I had it confirmed that the email that Bank of America sent me indicating a hold on the funds of {$3700.00} until XX/XX/XXXX XXXX was indeed correct. The manager at that location said quote " I'm just a little pebble on the sand and I can not help you. '' However, she did give me written confirmation indicating this new portion of my account 's funds as included in the grand total column, that column being labelled " Available Funds. '' Upon further investigation, however, these funds will not be available to me for withdrawal until the stated time of XX/XX/XXXX. The customer service representative with Bank of America I spoke with this morning ( XX/XX/XXXX ) accused me of fraudulent activity and said " this check has a hold on it because of fraud. '' Unfortunately for her, there is no evidence of fraud on my part or on the part of XXXX XXXX. The only evidence for fraudulent activity appears to rest with Bank of America. Therefore, the Bank has until close of business local XXXX time on XX/XX/XXXX today to return these funds to me. If the Bank of America officials refuse to comply with this deadline, I will bring this matter to the attention of other law enforcement agencies at either the local, state, or federal levels ( where applicable ) for possible criminal prosecution to the fullest extent of the law. I need these funds to pay for living expenses when I return to XXXX, Arizona, on XX/XX/XXXX, and I find this behavior on the part of Bank of America to be unethical as well as possibly illegal. That is all at this time.

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 2022-10-07 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: IA

Complaint narrative:
I have tried disputing this account with TransUnion XXXX and XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. XXXX was granted with collateral. Accounts open as XX/XX/XXXX by Transunion XX/XX/XXXX by XXXX and XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating Trans Union as XX/XX/XXXX while XXXX reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with Trans Union and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by TransUnion and XX/XX/XXXX with XXXX  while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same furniture data account as a total mistake.

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 2022-10-07 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: IA

Complaint narrative:
I have tried disputing this account with XXXX XXXX and Equifax along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX and Equifax with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and Equifax report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax when Equifax was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and Equifax. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and Equifax. Now, removing all data from date of last payment and deleting payment history with Equifax changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while Equifax reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same XXXX XXXX  account as a total mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: IA

Complaint narrative:
I have tried disputing this account with XXXX Experian and XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by Experian and XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while Experian reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while Experian was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with Experian and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with experian while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same XXXX XXXX account as a total mistake.

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 2022-10-07 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On my report from XXXX and XXXX its being fraudulently reported that i still have late payments on closed accounts this is illegal according to chp 15 USC 1681A a credit reporting agency can not report closed accounts as being late this is a violation of my consumer rights and I look to start litigation with NAVY FEDERAL, XXXX AND XXXX IF THESE ACCOUNTS ARE NOT REMOVED. THE COMPANIES IN QUESTION ARE XXXX XXXX WITH AN AMOUNT OF XXXX AND NAVY FEDERAL WITH AN AMOUNT OF XXXX AS OF XXXX, XXXX 2022 REMOVE IMMEDIETLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
I applied for an extension of credit today for personal, family, and household use and was denied by XXXX XXXX Prosper Marketplace Inc XXXX According to federal law in accordance with the Equal Credit Opportunity Act, it is against the law to proclaim adverse action against a consumer. I, a natural woman and living soul issued value ( my social security number ) for a request of credit and am demanding proceeds be paid. An offer of credit was extended and accepted but XXXX failed to perform as agreed. I have XXXX given unalienable rights, and nothing trumps those rights. I have attached my denial showing evidence of discrimination, making XXXX criminally liable. I have also attached my adverse action letter stating XXXX rectify this affair, otherwise this would be considered an unauthorized use since I received NO BENEFIT!

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