vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed an invalid collections placed on my credit report with Equifax, XXXX and XXXX online. XXXX and XXXX removed the collections account from my credit report within days. It took Equifax approximately 30 days to return a decision that the collections account was verified to be mine. 

I reached out to the collections agency through the phone number listed on my Equifax account. I told them that I needed proof of account ( original agreement ) for a collections that they placed on my credit report. They asked me my name which I provided. They then asked me if my dob was XXXX, which it is not even within 10 years of my dob. They then asked me for my address. They told me that they did not have an account associated to me. 

I created a new dispute with Equifax for the same collections account. This time I also called to speak to a representative. I let them know that I had not done any business with XXXX XXXX of XXXX ( the original creditor ) and that the collections account was not mine. First I was told I would have to wait for the 30 days again. I told the young man that it was not good enough and told him how I had contacted the collections agency. He then told me that I needed to prove that the account was not mine. I told him that it is impossible to prove a negative and that the creditor is responsible to prove that the debt is mine and that they are supposed to validate that information. I asked for a supervisor ( operator id XXXX  ) and told him the same story as before. He too refused to help me so I asked for his XXXX. I was transferred to XXXX ( XXXX ) in the Consumer Affairs department who refused to assist as well. I asked again for a XXXX. I asked for verification of the debt that they had been provided in the validation of the original dispute. I was told they do not provide to the consumer. He told me to contact the creditor. I told him how I had already done so and they could not locate a debt that matched me. The Equifax operator then told me to get the creditor to provide a letter saying that I dont owe them anything. I told him it is the creditors responsibility to prove I do owe and not for me to prove that I dont. I then asked for information on how to contact the Consumer Financial Protection Bureau. He told me I would have to XXXX it. I also asked if the call had been recorded and was told it was. I asked for a copy or transcript and was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I disputed an invalid collections placed on my credit report with XXXX, XXXX and XXXX online. XXXX and XXXX removed the collections account from my credit report within days. It took XXXX approximately 30 days to return a decision that the collections account was verified to be mine. 

I reached out to the collections agency through the phone number listed on my XXXX account. I told them that I needed proof of account ( original agreement ) for a collections that they placed on my credit report. They asked me my name which I provided. They then asked me if my dob was XXXX, which it is not even within 10 years of my dob. They then asked me for my address. They told me that they did not have an account associated to me. 

I created a new dispute with XXXX for the same collections account. This time I also called to speak to a representative. I let them know that I had not done any business with XXXX XXXX XXXX  XXXX ( the original creditor ) and that the collections account was not mine. First I was told I would have to wait for the 30 days again. I told the young man that it was not good enough and told him how I had contacted the collections agency. He then told me that I needed to prove that the account was not mine. I told him that it is impossible to prove a negative and that the creditor is responsible to prove that the debt is mine and that they are supposed to validate that information. I asked for a supervisor ( operator id XXXX  ) and told him the same story as before. He too refused to help me so I asked for his manager. I was transferred to XXXX ( XXXX ) in the Consumer Affairs department who refused to assist as well. I asked again for a manager. I asked for verification of the debt that they had been provided in the validation of the original dispute. I was told they do not provide to the consumer. He told me to contact the creditor. I told him how I had already done so and they could not locate a debt that matched me. The XXXX operator then told me to get the creditor to provide a letter saying that I dont owe them anything. I told him it is the creditors responsibility to prove I do owe and not for me to prove that I dont. I then asked for information on how to contact the Consumer Financial Protection Bureau. He told me I would have to XXXX it. I also asked if the call had been recorded and was told it was. I asked for a copy or transcript and was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NJ

Complaint narrative:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I suspect fraudulent hard inquiries on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The inquiries are listed below. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: NV

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 USC 1681. 

bankruptcy XXXX XXXX  - discharged : # 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: NV

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 USC 1681. 

bankruptcy XXXX XXXX XXXX XXXXXXXX : # 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: OR

Complaint narrative:
I'll try to keep this concise. 

I've been using Dave for 3 years, begrudgingly for 2. In all that time, I've never actually been able to transfer cash out of Dave.

Setting it up was super easy, the initial few thousand sent to Dave from my

credit union went very smoothly and without a hitch on either end. However, the first time I tried to pull cash out back into my community credit union account I was told the " verification issue '' was because my account was too new and it was to prevent fraud and I'd have to deposit more cash or get a debt card from them to withdraw from an atm instead. 

When I tried to withdraw from atms, the card would decline either as stolen or have an error code of another kind. The same thing would often happen at the gas station, leading my closest XXXX XXXX ( XXXX ) to add it to their speil they tell me that dave 's cards often refuse and to expect it to - probably in part due to my experiences with them. 

So I waited, and the app told me I would be faster verified if I added direct deposit - so I added that, and now I have XXXX in dave and over a year of history, that should make me ultra verified and make transferring smooth as butter, no? Wrong. 

Suddenly dave is having issues with my credit union, and is working on a fix. Fine, I'll wait for that issue to be resolved, and then I'll finally be able to transfer that cash out, and actually use it.

That was 2 years ago. I've tried contacting dave support every few months to see if the XXXX issue is resolved, to see if the verification issue has been looked into with my account, to see if there's any way to actualy withdraw more then {$100.00} at a time without my account being flagged and it being a massive hassle to resolve. 

I get told they're " looking into a fix '', I get told " there doesn't seem to be a verification issue with my account '' ( despite the app always telling me there is ). I'm still setting off fraud alerts any time there's a significant amount of money out, smooth as butter to put thousands of dollars in though. And looking back at the photos of chat responses on this issue, I don't even think they're looking at my account, it's just the same copy/paste response about what SHOULD work but doesn't work at all for me, along with " we're working on a fix! : ) '' for literally 2+ years now. 

To end before ranting any more, if what I'm describing isn't illegal, it definitely should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TX

Complaint narrative:
I have written and sent XXXX certified letters to XXXX Bank regarding an incorrect missed payment report, but they have failed to take proper action. Despite disputing the inaccurate information with Experian, XXXX only added a false statement in the comments section that the missed payment was due to a natural disaster, rather than fixing the issue. 
I made a payment of {$250.00} on XX/XX/2022, and have enclosed proof of payment and bank statements that were sent to XXXX Bank. I have now disputed this for the fourth time with Experian and also with XXXX and XXXX. XXXX corrected my payment history with XXXX to reflect timely payments, but XXXX 's investigation is still ongoing. My main concern is with Experian, as they have not properly investigated the report despite being provided with the XX/XX/2022 payment amount and dates from my bank statement. 
This is the second time that XXXX Bank has reported a false missed payment on my account, which I have had to dispute. I have never faced such issues with other banks, only with XXXX Their refusal to correct the incorrect information and own their mistakes raises a major concern.

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 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I trusted Marcus with the {$360000.00} in savings to buy a home. 

They've held my funds XXXX for more than a week and I am at great risk of loosing the house from inability to close. 

I've have been requesting a wire transfer from Marcus since XX/XX/XXXX, and it's now after hours on XX/XX/XXXX, I'm still waiting. I've been calling every day and they can only tell me it's pending or run me through a few more hurdles of verification steps. 

I've done more than half a dozen iterations of security verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've spent nearly a dozen phone calls and almost XXXX on the phone ; I'm currently on hold again with them again, XXXX XXXX  and counting. 

It seems like they are deliberately holding my funds hostage. 

They said if I was to cancel my account it would take them longer, so I just need to keep going through this waiting game on their authorization of a wire transfer. 

8 days and counting...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The debt in question was paid by the insurance company ( XXXX ) to the Lean Holder ( Capitol One ). The loan in question is closed. Confirmed by Capitol One and XXXX. The letter from XXXX XXXX XXXX XXXX XXXX XXXX appears to be a scam. It is attached below. They are asking for money that is not owed and threatening to turn this information into the DMV to get my driver 's license suspended. They are stating that the balance owed is {$19000.00} and they are willing to settle for {$12000.00}. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: GA

Complaint narrative:
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 suspect a fraudulent account on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The account is listed below. I also noticed that my XXXX is not showing this same collection and I uploaded that screenshot as well. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Balance - {$820.00}

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 2023-02-08 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Tona Mortgage, LLC
State: CA

Complaint narrative:
As a mortgage broker, we were working with Hometown Equity Mortgage , LLC dba theLender. We submitted a conventional, non-QM, mortgage application to them. We were given an LE@ 9.875 % with no lender origination. Only an underwriting fee. The lender representative confirmed that we submitted the loan correctly and issued the LE accordingly. They would not allow us to lock the loan until it was approved through underwriting. After underwriting, they informed us that the loan was mispriced by them, as a bank statement loan. And that this loan now has $ XXXX in fees. We have it documented that we submitted and they accepted the application as a XXXX XXXX XXXX  loan. This company is engaging in bait-and-switch practices. They are issuing LE 's with terms they do not offer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CA

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 USC 1681. Account name XXXX CARD : # XXXX, Account name : XXXX # XXXX, Account name : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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/2023 I sent a letter requesting to have all of my personal information updated on my consumer report. Today is XX/XX/XXXX, and only one thing in the request was complete, still leaving inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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