vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 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: DE

Complaint narrative:
The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

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 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I verbally told a representative on the phone that was a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VT

Complaint narrative:
I verbally told a representative on the phone that was a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sterling Infosystems Inc.
State: NV

Complaint narrative:
This company has caused me to lose a job opportunity because I have been waiting almost 2 months for a background check from a company that falsely claims they complete 90 percent of background checks in one day yeah right. I have received numerous emails saying my completion date is this date just for that date to come and they push it out another 2 weeks. Here we are it is now XX/XX/XXXX this background check was submitted XX/XX/XXXX and when I now request a status update they will not send an email. The background check is still not complete and I will be taking legal action due to losing this job opportunity.

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 2023-06-18 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: NY

Complaint narrative:
On XX/XX/2023 Ive disputed four accountS XXXX, XXXX, XXXX and XXXX multiple times with the company and with the cfpb for multiple fcra violations ranging from charged off accounts transferred with balance reporting, charged off account still reporting past due balance, high credits and balances. The dates of last payments contradict the payment history, in addition these account have inaccurate as well as incomplete information reported on my consumer report. Ive disputed these discrepancies multiple time which resulted in these accounts being verified. I ask that you delete these accounts immediately its in violation on 15 u.s.c 1681

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 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I deposited {$900.00} CASH into ATM machine, completed the transaction and drove away ( it was a drive-up ATM ). The following day ( XX/XX/XXXX ) I checked my balance and discovered SANTANDER had REVERSED my CASH transaction? I immediately called the XXXX XXXX XXXX phone number and got just that " there's glitch in the system and someone would look into it Tuesday XX/XX/XXXX ). I spoke to her supervisor ( she could speak and understand english, and got the same story. She had no idea if the ATM spit the cash out on the street or what it did. They have no idea WHY this happened and I could not get an answer. Except call back XX/XX/XXXX. 
Santander is closing branches with employee 's to chop costs and increase profits at our expense, XXXX does the same thing.

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 2023-06-18 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: Selene Holdings LLC
State: MI

Complaint narrative:
Left the home loan to my ex husband judge in our divorce case awarded the home and responsibility for remaining payments to my ex husband. Selene finance is reporting a balance of $ XXXX in default I want this debt removed from my report. We have been divorced since XX/XX/2015. I live in Michigan and the home at XXXX XXXX XXXX in XXXX XXXX remains occupied by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please remove the incorrect addresses from my credit file.

They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-06-18 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: DE

Complaint narrative:
The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

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 2023-06-18 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: DE

Complaint narrative:
The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
Today on XX/XX/18 I purchased a {$50.00} e-gift card on XXXX XXXX website through XXXX. The company authorized the purchase, took my money, then pretended that I requested a refund and then never sent the card to my fathers email. Theyre now withholding my money and card from me. 

XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: OH

Complaint narrative:
TransUnion is Reporting a Inconsistency account XXXX XXXX XXXX account number XXXX, That not consistent with XXXX nor XXXX report TransUnion has reported that the date opened on this account was on XXXX XXXX has reported Date opened on this same account is XXXX TransUnion has reported that this account type is a revolving account type XXXX is Reporting account type as Credit Card account type. Transunion has reported that the date closed on this account is XXXX and XXXX has reported that date closed on this account is XX/XX/2018, XXXX has reported date closed is XX/XX/2018, Transunion also have the account number listed as XXXX and XXXX has listed the account number as XXXX These are Inconsistent Inaccurate reporting on my credit report and is a violation of the FCRA. I have downloaded proof of this on the CFPB portal.

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 2023-06-18 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: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-06-18 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: MI

Complaint narrative:
Left the home loan to my ex husband judge in our divorce case awarded the home and responsibility for remaining payments to my ex husband. XXXX XXXX is reporting a balance of XXXX XXXX in default I want this debt removed from my report. We have been divorced since XX/XX/. I live in Michigan and the home at XXXX XXXX XXXX in XXXX falls remains occupied by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: ADVISORS MORTGAGE GROUP, LLC
State: NJ

Complaint narrative:
Im filing a dispute for the date of XX/XX/2023 a company made a hard pull on my credit as they told me they would only do a soft pull! If they told me that it would be a hard pull I wouldve told them no!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I got a hard inquiries from XXXXXXXX XXXX XXXXXXXX and JPMCB Card Service which I believed I never transacted or consented and dropped my XXXX credit score to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I had a car loan with XXXX XXXX  or bridgecrest during the height of the pandemic. I tried numerous times to get help in my payments. The pandemic was the result of millions of jobs lost including mine. I explain that to them in detail and how I lost my job during the pandemic and I was unable to pay my car payment and I needed help and they didn't help me. They told me that it wasn't their problem and I needed to make the payments and I asked them several times if they could cut it in half or do whatever was necessary to help me keep the car and they refused. As a result I got the car repossessed. I was out of a job for over a year after that pointAnd as a lot of people going the same position that I was as a result now my credit report is still damaged to the point where I still can't get credit because of it I recently called bridgecrest about a few months ago to see if they could help me at all and they said no. The pandemic ruined a lot of people 's lives and it was nobody 's fault. It was just what it was but today I'm still suffering because of it because of my credit report because of the car being repossessed they need to do something they need to help in some way

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 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Synchrony bank calls me at all times of the day and even on Sundays. I have blocked them multiple times and they use multiple phone numbers to make the calls. I am using a debt management company to help me with my debt and have tried to update my information with the company directly and it is not working.

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 2023-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: VA

Complaint narrative:
After a lifetime in the military we found the last home we'll ever buy. Got a personal loan from BHG for renovations intending to refinance the mortgage once done. Well, supply chain issues, cost increases, gas tripled, etc., so budget ran thin. Used credit cards to supplement the budget and called BHG to refi the personal loan and consolidate the credit card debt. They said our revolving credit utilization was too high so we didn't qualify. But, they said we could qualify for a business loan snd business credit card ; I said we aren't a business, we have no business license, no business accounts. The salesman said not to worry, just " say '' we have a business. He said use the business loan and credit card to pay off our personal cards, bring down the revolving credit and then we could qualify to refinance the personal loan and consolidate everything. We were desperate to streamline and were out of options so we took the deal. Used the business loan and card to pay off personal debt as BHG advised us to do, waited until credit bureaus reflected and my score was up, and called BHG to refinance. The salesman said they couldn't help us, " we can't refinance the personal loan to payoff business debt ''. Seems they misled us, now we were stuck with debt we could barely afford. A couple months later we took in my brother-in-law who has XXXX ; his wife died of XXXX. We also took in our granddaughter and are now raising her. Tried explaining to BHG that we can no longer afford all of the debt they conned us into. We proposed a settlement to which they demanded no less than 150 % of the original balance paid over a additional 91 months! We're ar a loss as to how a company can so openly exploit borrowers, taking advantage of an economic climate that has people desperate just to survive. At this point we're facing bankruptcy since BHG won't work with us. And now they have debt collectors harassing us. We're hopeful the CFPB can help, maybe the XXXX, SEC or some other regulating body. A lifetime of service to the nation and taking care of so many in our family that are in need and BHG doesn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: NC

Complaint narrative:
Hello, I was totally unaware the XXXX would report this as a debt. In fact they were still billing me the monthly fee with said account as of last month. 


Fee charged this month :. 
XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19.00} This was actually a savings loan or credit building loan with my own funds. I went to the app and my funds I put in the account are gone. 

I like XXXX but this is shady. Please remove this collection because this is not a loan. I do not owe them any money on this collection. Thank you very much for your 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