vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX via CFPB case # XXXX be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I will not accept information from your data furnisher ( LCI ) who has refused to provide me with the " Method of Verification ''. LCI  is relying on " Matching Elements '' from XXXX, in which I have disputed and therefore requires them to contact the bankruptcy court to ensure the " Completeness and Accuracy '' of this record. TransUnion and LCI  has violated FCRA Section 623 ( a ) ( 1 ) ( C ) and 15 U.S. Code 1681s2 which states no personal shall report to the CRA inaccurate information. LCI  or TransUnion has not contacted the courts and continues to report this " Inaccurate '' " Unverified '' information to my credit file causing great damage. I have attached the letters from the courts who has certified that they " Do not report to CRA 's ''. If TransUnion and LCI  disputes this, please do so in writing. Lastly, as stated in my previous disputes, LCI has no " Permissible Purpose '' to have my " Personal Information in their database. I have requested the removal of my personal information in a certified letter and an email to LCI. LCI has violated the Privacy Act of 1974 by phishing information and sharing it without permission from the consumer it relates to.

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 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX with square email : XXXX I have been using Square to process payment for my business but Square decided to deactivate my account and stole my funds. 

Since then I have had some contact with Square, but they refused to respond to me saying that I have disputes that needed to close first before they can send me my money. 

My funds was to be given to me 3-4 months ago, but Square has held my funds for many months without sending it to me. 

All disputes on my account was closed by XX/XX/2022 but square has held my funds for more than 3 months since then. 

I have {$1100.00} on my Square account which I need to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosedcopies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have been trying to use the mobile check deposit with chime since XX/XX/XXXX and once you take the photo of check hit submit it continues to give error " we can not read numbers on bottom of check '' yet before you accept the photo it says " if you can not read this, then we can not read this '', sent email to chime support XX/XX/XXXX XXXX response XX/XX/XXXX XXXX a nut shell i as told to uninstall/reinstall app which i did take more photos dark background with more light which i did if still did not work screen shot error and reply back which i did. 
XX/XX/XXXX XXXX no response to reply-sent another email no response-sent another email XXXX. 
called XXXX XX/XX/XXXX asked for supervisor XXXX XXXX was told to take more photos because of shadows would stat on line to see but call dropped. 
XXXX called back XXXX XXXX who told me creases on check along with shadows-take more pics. also told me to iron the check! then call dropped. I then got idea to get personal check from old bank acct that is closed, I took pic of the front of check only hit submit and it sent!!! now it was a blank check but it fit in the photo box perfect. that check measured 6 '' and real check is 8 1/2 '' long! 
called back s/w XXXX and was told check is pending review to which i explained that is blank check and the app took that but not the real one ... ... he started laughing because he couldn't believe it along with he couldn't believe how many pics of this check there was and said he couldn't understand why it would not send because what he was looking at all looked clear! he even called off all the numbers of this check and of course call dropped. i live in the country service is wonderful. 
called again this time got XXXX at XXXX who was just a smart XXXX ( sorry ) told me same old take new pics-I explained the above and he said well sorry nothing we can do you will have to take check elsewhere. I asked to speak with someone higher he said there is no one above him!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
This is the second complaint about my escrow account with this company. The first one # XXXX was closed because the company responded, however the company contacted me after I submitted the complaint and told me one thing on the phone and then they submitted a response to the CFPB that was the total opposite of what I was told on the phone. 

This complaint is about my city taxes that were refunded from the City of XXXX, Virginia due to my veterans XXXX tax exemption that was a retroactive refund dating back to XX/XX/XXXX. I have had numerous conversations with XXXX XXXX from PennyMac, and on XX/XX/XXXX she resolved the erroneous tax payment made to the City on XX/XX/XXXX. That payment was credited back to my escrow account. On that day I informed XXXX XXXX that there were four checks coming from the City of XXXX to reflect refunds from XX/XX/XXXX to present. XXXX than informed me that when PennyMac receives the four checks in question that would automatically post to my escrow account and I can call and have those refunds dispersed to me. This has not happened. I went to the City of XXXX and and they informed me that four checks numbered XXXX, XXXX, XXXX, & XXXX were sent to PennyMac on XX/XX/XXXX. In the amounts of {$330.00}, {$1000.00}, {$1000.00} & {$1000.00}. On XX/XX/XXXX there was activity on my escrow account for {$140.00} & {$38.00}. My wife left several voicemails for XXXX but she never responded. When we called customer service they stated that they received several checks and one was applied to the erroneous payment made on XX/XX/XXXX and the other was from the District of Columbia? Again customer service has no idea what they are talking about. 
I want to know where are my refunds? PennyMac received the checks on the XX/XX/XXXX and hasnt properly recorded these to my account. PennyMac is a Mortgage Company and a Debt Collector, there is no way that these mistakes can occur. PennyMac puts these funds in their general account so they can collect interest on other peoples money. This seems to me to be fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: TN

Complaint narrative:
My background check shows a name of XXXX XXXX being used in XXXX XXXX, TN, XXXX XXXX FL, and XXXX XXXX, FL with my social security number and birthdate attached. I do not know where this last name of XXXX came from but I have never ever used the last name XXXX before ever. I have never been married to anyone with this last name nor have I ever used it. The ONLY last names that should be on ANY report are my maiden name ( XXXX ) and my previous married name and current last name ( 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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with XXXX, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be USA basedespecially for security. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with XXXX, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be USA basedespecially for security. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Received an email stating I opened a savings account ( Ally Bank ) that I did not open. Received an email shortly after stating that I changed the email address on the account and the email listed is not my email. I called the bank listed on the email and they submitted a fraud case.

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 2022-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I want XXXX XXXX 2009 When I signed up for school they told us prior to starting that the school would be accredited and when we graduated that we would have work that they would we were guaranteed a job after graduating and becoming XXXX XXXXt we never got a job none of us and the school was never accredited so all that hard work for nothing now we all owe school loans I never got the job and all that hard work I did thinking that the school was accredited the school was never accredited

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following companies XXXX XXXX and XXXX XXXX has a closed credit card that is being reported on my credit report. I am requesting the two closed accounts be deleted as they were opened fraudulently and not by me. I have since added a fraud alert to credit bureaus to help prevent this from happening in the future.

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 2022-10-23 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: TN

Complaint narrative:
Yes I have had a data breach with equifax they have my stuff on my dark web and sold my information also on XXXX I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Ever since Navient took over this loan they do everything they can to access fee 's to the borrower. Today is XX/XX/2002. I logged on to pay my payment which is due the XXXX of each month. They are showing the loan as PAST DUE so they can access late fee 's to the account. I then try to pay extra and of course they want the XX/XX/2002 payment as well now. This organization has done everything they can to XXXX the borrower of loans with them!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I contacted Santander Bank on XX/XX/XXXX and spoke with agent about the late payment history on my mortgage account. 

I was in forbearance in XX/XX/XXXX to XX/XX/XXXX due to Covid and being furloughed. 

I paid all past payments that were in forbearance in XXXX of XXXX when i returned to work. 

I was told by Santander the forbearance allowed my payments to be late due to being furloughed due to covid and would not reflect and ruin my credit report its being reported to XXXX XXXX that my account shows late payment. XXXX XXXX stated on XX/XX/XXXX that the information is correct. 

My account should not reflect late payments. 

Can you please help in getting this corrected?

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 2022-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my Experian report and discovered there are inquiries reports with companies that I do not have an open account with, nor have I initiated any transaction with.

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 2022-10-23 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: GA

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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 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 2022-10-23 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: GA

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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I understand that under HIPAA law I have the right to protect my privacy and medical records from third parties. I have not given permission to XXXX XXXX to release my medical information. This debt has never been validated by me and has violated my rights as a consumer under 45 CFR 150, 162 and 154.

Company response to consumer: Closed with explanation