vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The report shows evictions that never happened in XXXX NC for Housing Authority. I was already being over charged at this place, discfiminated against, lost mkney orders when i knew i paid these people. Ive been denied housing several times here in SC due to false information reported on my tenant background. Ive made complaint after complaint about false information on my background. It shows... .US Treasury Department XXXX XXXX - XXXX & Blocked Persons..which could explain why when ordering things online everything is made in XXXX or XXXX, or when services are rendered at the hospital doctors that i didnt see are showing up on medical exams, or why foreigners are being on all my calls when calling out allmy calls are rerouted to foreigners or overseas, this explain why XXXX packages shipped to other peoples houses from me doesnt actually ship there it comes to my house with my name not theirs ... the orignial person thaf i was sending it to. This explains why all my devices brand new no matter what when making a purchase it shows me buying more than 2 devices or equipment at the time of purchase. This explains why one credit report shows XXXX XXXX XXXX with different information than XXXX XXXX or XXXX XXXX XXXX. All my credit reports shows falss informatiom such as addresses, phone numbers, medical bills, names i dont use, loans i didnt take out, phone bill accts not mine, etc. Im being attacked harmed brutally visioucly denied medical treatment for the false information linked to me and my kids XXXX and XXXX. Me and my kids are dealing with health issues that these doctors claim they canf find out whats wrong but really know... .im starting to believe. If you check evem with XXXX XXXX my social isnt linked to my own account. When trying to activate my debit card for my bank it said my phone number isnt linked to the card but the bank saids it is. I got an Experian Alert stating a change of address was made but when contacting USPS they said it wasnt. When calling to activate new XXXX Business Services ... customer service showed me ordering 4 devices with sprint and showed me calling in from phonw number XXXX. Please help me and my kids are innocent. I filed complaints with FCC someone reached out at said my phone service wasnt even with XXXX XXXX it showed XXXX and thats false. I know where i started up services. Im paranoid and mentally going insane sometimes feeling like death is my only way to get peace... nobody will help. Synthetic Fraud, Sim swapping fraud, bank fraud, drivers license fraud, etc is the key to me and my kids 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 explanation
Consumer complaint received 2021-12-22 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: VA

Complaint narrative:
XXXX XXXX was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

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 2021-12-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

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 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Someone created a fraudulent Venmo account using my photo, name and a username that was identical except for an additional -at the end. They contacted contacts of mine requesting {$300.00}. I reported the fraudulent activity to Venmo and provided a screenshot. The customer service representatives informed me that they could not discuss it with me and that the people receiving the messages from the fraudulent account needed to email Venmo. I have received zero confirmation that they will investigate the account despite my reporting of the fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a natural person and a federally protected consumer. NAVY FEDERAL CREDIT UNION is a financial institution holding the account ending in XXXX that belongs to me, the consumer. On XX/XX/2021 I certified mailed with a green receipt a remittance coupon, a negotiable instrument as defined by UCC 3-104, to NAVY FEDERAL . Before sending the negotiable instrument, in an attempt to gain clarity I asked a representative in the secured portal how NAVY FEDERAL CREDIT UNION wanted me to indorse the remittance coupon. I was told to indorse it to NAVY FEDERAL and that is what I did. The negotiable instrument was received on XX/XX/2021 and signed for by an agent on behalf of NAVY FEDERAL. NAVY FEDERAL accepted my negotiable instrument for the value of {$22000.00} as the instrument was not returned. Pursuant to UCC 3-603, NAVY FEDERAL is a person entitled to enforce the instrument, therefore, even if they refused it the alleged debt is discharged upon receipt. On XX/XX/2021, NAVY FEDERAL without my consent processed an electronic fund transfer of {$450.00} from my personal savings account to the credit card account. This is a violation and breach of their own card agreement as my negotiable instrument paid NAVY FEDERAL in full therefore, NAVY FEDERAL had no right to go into my personal savings account and process an electronic transfer of my funds. This is an unauthorized electronic fund transfer and blatant wire fraud as I did not consent to having my funds electronically transferred from my personal savings account to the credit card account ending in:XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: LA

Complaint narrative:
XXXX veteran not being helped with XXXX loan forgiveness. Tried numerous times during XXXX 2021-present date XX/XX/2021. 

I am not getting the help or service I need answered or correctly handled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: VA

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc.
State: TN

Complaint narrative:
The account was opened on XX/XX/2021. My twin brother fraudulently opened a card in my name and spent {$1000.00}. Previously to this account opening, I received hard inquiries from SoFi. I have never heard of this company before and never applied for a credit card from them. I called them and they said they would cancel the card but they did not believe me when I said I didn't apply. I've already sent out a follow up letter to them and the three major credit bureaus. I filed a police report and a identity theft report FTC. He may have applied for the card in my name and made himself an authorized user without my knowledge. since he is a twin, his SSN is one digit off from mine. He has already stolen checks from my grandfather and father. He has charges being pressed against him. They reported this to the credit bureaus and my score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Sold before our 1st payment on XX/XX/22. 1st home buyer assistance they added to the loan and what we thought was a grant. Then they sold it right away. I've contacted XXXX and told goodleap it was 1sXXXX time home buyer. Said if they over pay XXXX that they would send it back. Like they aren't liable after. I'm sure we got messed over. Need some help if possible. It's like they added gov money into the refi then sold it. Thanks for your time. 

XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.

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 2021-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One billing cycle closed on 4th of every month. Capital One has reported to XXXX twice for the month of XX/XX/XXXX and XX/XX/XXXX. Also Capital One reported twice on my XXXX credit report XX/XX/XXXX, and XX/XX/XXXX. Due to Consumer Financial Protection Bureau rules and regulations Capital One is in violation of the rules, and regulations. I have had this issue before XX/XX/XXXX compliant # XXXX this is a ongoing issue. Please help me resolve this issue and have Capital One to report accurate information with XXXX, XXXX, and XXXX. Account is has a open balance of {$86.00} dollars not {$980.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I used cash app to pay for a service call to fix a fixture in my bathroom. The service company XXXX XXXX service which turned out to be a scam. The business owner wanted me to send him money via cash app to pay for a part I needed for repair when I sent him the money via cash app I started to get suspicious because he continued to tell me he had gotten the wrong part and he needed me to send him even more money. I ended up hiring a real plumber who got the part for {$6.00} when this shady business man lied and said the part would cost almost {$80.00}. I tried to contact Cash App to dispute that this guy was running a scam but they have nothing on their plate form for disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed a bankruptcy with Experian on XX/XX/2021 Experian received my disputes on XX/XX/2021 it shows according to the certified mail. it is now XX/XX/2021 and I've yet to hear back from experian the FCRA gives the company 30 days to respond, i have not gotten a response from experian i called to see wat was the XXXX they then stated XXXX XXXX lexis it keeps coming back verfied!

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
This company, Netspend, sent me an email indicating that I ordered a prepaid card from them and that it would be delivered to me in 7-10 days. I did not order a card, nor have I ever heard of Netspend before this. 

I have called customer service multiple times and when I finally get to a live representative, they revert me back to their automated IVR. 

Either someone ordered this card fraudulently or Netspend is trying to induce me into a financial situation with dubious and unscrupulous methods. They should not be sending me this and they definitely should be helping me look into this if in fact it is fraudlent. They have done neither and its clear that their practices should be stopped.

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 2021-12-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a EIN through a website that i thought was the IRS because of the web address said IRS. Chase did not charge back the merchant for their " services ''. This was a fraudulent charge of {$240.00} to my credit card. The company that charged my card doesnt exist on the CFPB site or the XXXX. XXXX XXXX XXXX  is what the web address was and showed up first in XXXX. I thought this was the IRS and that it cost {$240.00} to get an EIN. Chase did not research or charge back this charge to the merchant as fraud. They didnt offer to shut down my card and get me a new one i had to request they do that since the company is clearly outwardly defrauding people into thinking they are the IRS and filing with them is the way to get your EIN. I want my {$240.00} back from chase and i want them to file it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have had an account with Sears Citibank since XXXX. Per XXXX XXXX as of XX/XX/XXXX, I have 100 % on time payments and have never gone above my credit limit. My balance of {$1400.00} is part of a promotional deal which ends in XX/XX/XXXX. I am current on my payments to this account. I have discovered that Sears lowered my credit limit from {$2500.00} to {$1500.00} and currently lists my account in default on their website. Sears Citibank says the credit reduction was based on information from XXXX. My current credit score per XXXX is XXXX, XXXX is XXXX and my XXXX score is XXXX. 
I did run a high credit balance over the summer as I was making repairs to a home I was moving into as well as to the home I was selling. My mother had been living in my first house and paying rent until she passed away earlier in the year. I decided to sell a townhouse I purchased in XXXX and move back to my original home. All of my credit cards except for Sears Citibank and a revolving amount of XXXX were paid off the day of my closing, XX/XX/XXXX. I am in the best financial position of my life and yet on XX/XX/XXXX, Sears Citibank decided to lower my credit limit causing me to LOSE points on my credit scorXXXX. 
Note : I actually lost XXXX pts from XXXX on XX/XX/XXXX after paying off my second house mortgage as well as my largest balance credit card on XX/XX/XXXX. XXXX in comparison did lower my score XXXX pt upon paying off my second house mortgage but updated in the following XXXX weeks XXXX points and SYNCB/PAYPAL actually increased my credit limit {$500.00} per the XX/XX/XXXX XXXX report. It took XXXX until XX/XX/XXXX to increase my score XXXX points and again XXXX points on XX/XX/XXXX. 
I do not feel it is fair XXXX XXXX lowered my credit limit nor am I satisfied with XXXX reporting. Clearly, there is a disconnect. I currently have only $ XXXX of debt, of which $ XXXX is a mortgage on a home worth at least $ XXXX, nearly perfect payment history ( I did have a few issues with XXXX in the past which was related to their website, not my ability to pay, but I am not disputing ), $ XXXX in credit available with less than 15 % utilization, yet XXXX XXXX feels the need to lower my credit limit from {$2500.00} to {$1500.00}! Something is wrong with this system!

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 2021-12-22 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: MO

Complaint narrative:
During Experian, XXXX, and XXXX Investigations after my disputes in XXXX, 2021 and XX/XX/2021 Experian, XXXX, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that Experian, XXXX, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
1. Experian, XXXX, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
2. Experian, XXXX, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
3. Experian, XXXX, and XXXX has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).

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