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: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I have received multiple offers for credit cards on credit karma and none of them have been approved although they stated that there were high of not guaranteed approval odds which is advertising false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
The sale of my home closed XX/XX/2022 : with {$1900.00} in the escrow account. I have not received a disbursement for those funds despite having notified ServiceMac on three occasions that their checks were not received. Each time, Im asked to wait 30 days before they will attempt to reissue payment. On my last call, I provided bank information and was advised that an ACH would be processed to my account on XXXX, XXXX. Instead, another check was allegedly issued and ServiceMac is refusing to stop pay and complete the ACH as promised.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
In XXXX XXXX  and XXXX XXXX it was reported that I missed a {$5.00} payment on my target credit card. The fee 's then amounted to about {$200.00} without any of my knowledge. Automatically, my credit score dropped from 760 to the 680 's because delinquent status. I contacted target and their vice president, but they weren't able to do anything. I'm in XXXX school and my credit score is low. I was wondering if these marks can be removed. I missed 3 low payments and I want to buy a home soon, but I'm afraid my credit score won't do me any justice. I have made all other payments, but this one mistake caused me to have a low credit score. Any help would be appreciated.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i have 8 inquires on XXXX that shouldnt be on my report, i have 3 inquires on XXXX that shouldnt ne on my report, and 5 on experian that shouldnt be on my credit bureae period,

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
I wish to practice my right as a customer of RIA Financial to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with RIA Financial. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my RIA Financial account to a fraudulent person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 XXXX XXXX XXXX. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 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: MI

Complaint narrative:
My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.

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: MI

Complaint narrative:
My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OH

Complaint narrative:
In the past 2 weeks, I have received 1 Debit card and 4 Prepaid Debit cards from XXXX, and their affiliate Netspend. None of these was requested. I called XXXX XX/XX/22 and they indicated that an account was open and I instructed them to close it. 2 weeks later ( XX/XX/XXXX ), I received a prepaid card from Netspend. I called immediately ( XXXX ) XXXX and talked to XXXX. She indicated that this was a marketing ploy based on a prior prepaid card that I had bought from XXXX XXXX. I told her I never bought a prepaid XXXX card from there and I did not want the account or any other accounts opened under my name and instructed that the account should also be closed. She did tell me that the prepaid card purchased from XXXX XXXX was active, but that the name in no way matched my name. On Tuesday, XX/XX/XXXX, I received 3 additional prepaid cards from Netspend, prompting me to open this complaint. I do not understand how a Financial institution can or would open accounts without my requesting them or why on this green earth they would send 4 cards within a week. Clearly their issuing process is dramatically flawed and their systems ( XXXX/Netspend ) are inadequately designed to prevent fraud. I thought that banks required XXXX information and that their systems would not allow this kind of crazy issuing of cards ( 5 cards in 2 weeks ). I have taken steps to insure that my credit is protected ( fraud alerts, FTC complaint, etc ), but my suspicion is because these are prepaid accounts they fall outside of this. This should be illegal. I am including one file but all 4 letters from Netspend were nearly identical and all included valid debit cards that needed to be funded. I did not fund. The cards were sent to XXXX XXXX ( not my preferred 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 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax credit bureau is committing mail fraud. I sent my letter to them XX/XX/2022 and it arrived to the post office XX/XX/2022. My letter still has not been picked up. It will be a month XX/XX/2022. I am losing confidence in Equifax/Equifax credit bureau XXXX

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  Account 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 2 : 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I received an alert from XXXX bank that potentially negative activity was placed on my credit report. The complaint was made by XXXX XXXX XXXX. When I called this company they informed me that they were a collection agency and that they had attempted to collect payment for a loan I owed, but had gotten no response from me. The information I obtained was that the loan was made by Cash Central in either XXXX or November of 2021. I never applied or obtained a loan from XXXX XXXX. XXXX XXXX XXXX had my accurate address and Social Security number. Howerver, they had the wrong Drivers License number, the wrong bank, and they said they had verified emplyment at XXXX XXXX XXXX, but I have been retired for 8 years. When I spoke to XXXX XXXX they just said they had sold the loan and gave me no more information. They stated that they had contacted me by phone twice and I had said I would make a payment. I never spoke to anyone from their company. I had call blocking on at that time, so any call from them would not have even gone through.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i have 8 inquires on XXXX that shouldnt be on my report, i have 3 inquires on transunion that shouldnt ne on my report, and 5 on XXXX  that shouldnt be on my credit bureae period,

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i have 8 inquires on equifax that shouldnt be on my report, i have 3 inquires on XXXX  that shouldnt ne on my report, and 5 on XXXX  that shouldnt be on my credit bureae period,

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 repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I am a long customer of credit karma and I keep getting told that I have been pre approved for a credit card but when I go to apply for the credit card that I have been pre-approved for I ultimately get denied and this is hurting my credit score and keeping me from buying a home or even repairing my credit score, I feel this is misleading and wrong and I have waisted a lot of time with credit karma and I would like to be compensated for my time I lost and my credit score being impacted.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Good Morning This involves Bank of the West. They reported to the credit agencies a 30 day late on my HELOC account XXXX took out a monthly payment with ACH from my XXXX account for over 2 years. I made every payment on time, and was never late. The missed payment occurred for the XX/XX/2022 payment. I found out about it when I got a notice of a change in my XXXX score. I called XXXX, they said they changed my account number, and notified me by mail. I told them I never got the letter. They basically said, too bad. I also said they were taking the monthly payment from XXXX for two years and why did it stop? They said they never took money out each month ( Please see attachment ) I called XXXX and they advised me that ACH means that XXXX  was definitely taking the money out each month. I called XXXX and they said they weren't, and that as previously stated they sent me a letter with the account number change ( one letter total ). They wrecked my perfect credit ( see attachment ), I was denied a credit card ( see attachment ), they have been terrible over the phone, and have caused me countless hours of phone calls and follow-up calls. 
Please Advise Thank you 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 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: FL

Complaint narrative:
Fraudulent savings and checking accounts were opened with Comerica Bank online. 

I close the account already. 

How can I protect myself in the future?

Company response to consumer: Closed with explanation