vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I was given a forbearance that was to take effect for 14 months. On month XXXX ( XX/XX/XXXX ) my forbearance was extended through XXXX and the home was sold in XXXX, however my credit report shows 180 days late for the month of XXXX and Foreclosure for the month of XXXX. Carrington Mortgage sent " adjusters '' to my home on multiple occasions in which they stood outside my home taking photos, even though the home was in forbearance and sold only 1 month after the forbearance was compete. Carrington was made aware of the sale of the home as I myself and the title company contacted them for pay off quotes.My current credit report status reads " 180 day or more than 4 months late '' rather than Paid in Full- {$0.00} balance. I believe the reporting is inaccurate because if I was in a forbearance through XXXX and sold the house in XXXX the reporting should have no lates for the month of XXXX or XXXX, furthermore I have sent several requests to Carrington requesting this information be updated correctly to no avail. I am currently without a home ( we sold the home in question ) and unable to purchase or even rent another due to the status reporting for the previous loan. I am a family of 4 and a dog and feel this is unfair and as a result I am distressed and misplaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Banana Republic issued new credit cards. When the new card arrived, I went online to activate the card. My online account was automatically updated with the new Card information. However, my automatic payment information was not transferred to the new Card. As a result, automatic payments were not made for two billing cycles. I was charged {$80.00} in late fees and interest for two months due to lack of payment. 

I called on XXXX/XXXX/22, they stated they would credit my account for the fees given their error in conversion. However, the credit would not appear until the next billing cycle. I would continue to accrue interest on the {$80.00} fees if I did not pay the fees. I should not be required to pay for invalid fees and then receive a credit a month later, the fees credit should be processed immediately.

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 2022-09-07 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: TX

Complaint narrative:
There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from TransUnion saying they weren't going to do anything. Please help

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 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: MD

Complaint narrative:
I sent the police report, the date of the fraud, phone number of person pretending to be XXXX -rhey insisted that I owed them {$4000.00} after accessing my computer with a software program. I contacted the bank right away and they reversed my charges. Then, 3 months later they said that the charges were legitimate and I was responsible for the charges. I had purchased gift cards on my VISA credit card issued by XXXX. 
This vendor cashed these credit cards, so Union Bank VISA considered them legitimate.

I have received nothing in writing that this has been resolved and only called the number of the Fraud Department in order to rectify the charges. Now, they say I owe the whole amount. It was Fraud and gave them the phone number that I contacted on and even called XXXX about the gift cards and they had all been cashed. 
My credit card with Union Banki # XXXX, would like this resolved and put the responsibilty on the fraudulent vendor.

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 2022-09-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX an XXXX company, 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 XXXX : 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 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( XXXX ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I got email from Credit karma saying I was pre approved so I filled out them it said I was denied it has happened twice and it messed up my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was sent an email that appeared to be from PayPal ( XXXX, not an apparent phishing address ) saying I had been charged {$500.00} for a gift card. The night before, my wallet had been lost/stolen, and I jumped to the conclusion that this was actually true, and responded to the number given ( XXXX ( XXXX ) XXXX ) and was put through a number of steps which I should have been suspicious of, which included installation of XXXX software and remote access of my desktop. They were very clumsy, though, and I got suspicious, but not before I had opened my bank account and XXXX web view ( stupid, I know ). In the end, though, I think they attempted to get money from me but were so unskilled they actually put money into my account. Then they began demanding to get it back. I was willing to send it back, but they had no good way to do this, no account number to send it to, and so on. They wanted me to buy gift cards and give them the numbers on the back. Then they wanted me to make a crypto transfer, but didn't seem to know how to pull that off. In the end I had to get off the line and agree they could call back the next day ( today ). Upshot is I have extra money in my account, and no idea where it came from ( the online page lists it only as " ONLINE TRANSFER FROM CHECKING '' with a couple of ( to me ) meaningless reference numbers ), which is actually a little scary. I have changed passwords. In any case, PayPal has no record of this {$500.00} transaction they mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received an alert that my credit score had dropped. When I called Experian, they stated that I was more than 150 days late on payments in XXXX. I asked them why you are reporting on something last year. They said that XXXX reported it. I called XXXX, and they stated that no one had reported my account as late for this year. XXXX noted that I had late payments in XXXX but nothing for this year. XXXX said they would send me a letter and let Experian know that I have not been late on any payments for XXXX, and they have not reported a negative on my account. When Experian settled my dispute, they said XXXX said I was still late. When I tried to look at my history for the late payments, Experian blocked that view. They reported my payments as late and dropped my credit score by XXXX  points. I have no payments due currently after I lost my job. Between Experian and XXXX, someone is damging my credit score on purpose. When I was going to dispute with the other two credit agencies ( XXXX and XXXX ), there were no late payments to dispute. Experian dropped my credit score by going back to 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit Inquires that i do not recognize XXXX 3 times XXXX- 3 times XXXX XXXX 18 times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC has been now twice been informed of UNAUTHORIZED INQUIRIES currently being furnished on my consumer credit report and has now willfully and deliberately failed to remove or block the unauthorized inquiry as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. This agency was only allowed 4 business days after receipt of the Identity Theft notice to remove the disputed items and shall not be granted any further time to address this consumer dispute. This agency has alleged a completed investigation but has failed to provide evidence and proof of my consent, instruction, or expressed written permission for the disputed inquiries to be furnished as required by law. In accordance with Federal Law under the Fair Credit Reporting Act I now require this agency to immediately remove or block from reporting the following unauthorized inquiries : XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a plane ticket with XXXX XXXX on XX/XX/2022 with my Citi Bank credit card in the amount of {$2000.00}. I'm requesting a refund in that amount. 

The trip involved a XXXX hr flight to the XXXX. 
I recently had XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
At the time I purchased the ticket I thought my XXXX XXXX was resolved. 
However, soon afterwards, I realized the problems associated with the XXXX  XXXX was still an issue. The major problem I have is being unable to sit for any length of time over XXXX minutes. 
After visiting my physician XXXX XXXX XXXX XXXX XXXX at XXXX hospital in XXXX, Tx, confirmed my fear and he wrote a letter documenting that a XXXX hr. flight with extended sitting could be harmful to my XXXX and possibly undo the results of the XXXX. 

I opened up a dispute through my credit card company Citi Bank on XX/XX/2022. 
The dispute # is XXXX. 
Citi and XXXX XXXX declined the dispute, but I have appealed that decision. 
I wanted to emphasize the letter from my surgeon stating the XXXX hr. of sitting on a plane could be harmful to my 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 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have asked over and over again for proof of debt. Just because they say I owe the debt does not make true or accurate. I am owed under the law proof of ownership of this debt. I want proof that this is my debt and they can not supply it. I demand this removed from all three credit reporting agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian release my personal information after my XXXX XXXX was pulled by my local bank for a home equity line of credit on XX/XX/2022. Im now receiving calls from lenders on average of 50+ calls a day. Experian was never authorized to give anyone my home address, phone number or details of why my credit score was pulled.

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 2022-09-07 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: NC

Complaint narrative:
I sent in a letters on XX/XX/22 letting XXXX XXXX  and equifax know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( XXXX ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
Equifax sent me back a RESEARCH REQUEST FORM XXXX did not send anything back. 
XXXX XXXX sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent in a letters on XX/XX/22 letting XXXX, experian and XXXX know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( XXXX ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
XXXX sent me back a RESEARCH REQUEST FORM EXPERIAN did not send anything back. 
XXXX XXXX sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.

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 2022-09-07 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: TX

Complaint narrative:
There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from XXXX saying they weren't going to do anything. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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:
There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only XXXX response back from XXXX saying they weren't going to do anything. Please help

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 2022-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act and XXXX  Account numbers XXXX, XXXX, XXXX and XXXX account number XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A Section : 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 explanation