vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: PA

Complaint narrative:
my name is XXXX XXXX my daughter name is XXXX XXXX we had the same name into i was married my daughter have accounts that are on my credit file I asked the credit bureau to block these account and a investigation to be done these bureau refuse to do a investigation. I am a victim of identity theft and new account are still inserted on my credit file I haven't applied for a new account in three years but i still have new inquiries as well as new accounts please STOP this and hold these credit reporting agencies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
my name is XXXX XXXX my daughter name is XXXX XXXX we had the same name into i was married my daughter have accounts that are on my credit file I asked the credit bureau to block these account and a investigation to be done these bureau refuse to do a investigation. I am a victim of identity theft and new account are still inserted on my credit file I haven't applied for a new account in three years but i still have new inquiries as well as new accounts please STOP this and hold these credit reporting agencies accountable.

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 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I had Huntington bank transfer {$9000.00} to XXXX on XX/XX/2022. After sending the money to XXXX, I came to learn that the money I sent to do the business with was not the legit business. Then I called Huntington bank and talked to the rep multiple times explaining the situation and requested to refund the transferred money from my account to XXXX. The bank denied it by saying that they couldn't do it because I authorized to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uplift, Inc
State: TX

Complaint narrative:
Started loan in XX/XX/XXXX the loan was to be paid off XX/XX/XXXX. I paid the remainder balance in XX/XX/XXXX. And the interest was {$450.00} but had I paid the account in XX/XX/XXXX it would have only been {$720.00}. No one can tell me why the interest was so much even though it was paid early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have a Chase Sapphire Reserve XXXX. We always pay in full every month. We pay {$550.00} per year for this card. We are currently in XXXX for 90 days on a XXXX XXXX. We have no cell service and limited XXXX. We tried to purchase a tour on our card and it was denied. So we paid cash. We had used the card to purchase the cruise months ago and also XXXX tours through XXXX XXXX. Chase does not require you to file a travel plan. When we got XXXX they sent us an email asking if we had attempted to use our card for the tour or was it fraudulent. We replied it was us. They went ahead and cancelled our card even though there was no fraud. Here we are now stuck in XXXX with no cc or way to get new cards. They mailed new cards to our US address!!! We called twice and got no where. We have consistently emailed Chase requesting they reinstate our card at least till we return home in XXXX. We have begged and pleaded. We feel there us no customer service or u understanding of our particular situation. They have lost nothing. We have lost everything. No one is willing to help us. They cant ship new cards to a XXXX XXXX XXXX XXXX!! Many ports we are only at one day. We have asked to XXXX to upper management but to no avail. The new cards will sit in a mailbox. We have no new numbers, expiration date or PIN numbers. What about our automatic payments!!!! Its really absurd. We feel like XXXX XXXX  citizens and totally disrespected. We need help from someone who gets this situation. XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: AL

Complaint narrative:
I the federally protected consumer have been VIOLATED by EXPERIAN. I've been calling them for multiple days now and yesterday I tried to get in contact with a supervisor and they told me a supervisor would call me back in an hour which NEVER happened. I called again today and I finally was able to get ahold of a supervisor I told her there is inaccurate information on my consumer report and ask what investigation did EXPERIAN conduct to make sure this information was accurate. she told me NO INVESTIGATION was done to verify the validity or the accuracy of the information. I told her the information was inaccurate and that I never even gave consent to have my private information furnished in the first place and asked that the inaccuracies be removed from my consumer report. she told me that BY LAW they don't have to remove anything and as a BUREAU. I know that information is FALSE because EXPERIAN is NOT a bureau they are a credit reporting AGENCY. the CFPB is the ONLY BUREAU and the information she was giving me was already inaccurate from the beginning. the CFPB has recently released an article proving that EXPERIAN has not properly handled customer disputes and proper investigations were not being conducted. I told her that the company is infringing on my right to privacy and is reporting inaccurate information and she HUNG UP ON ME!!! this is a violation of my consumer rights 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681c ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 )

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 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX - Approved for XXXX XXXX XXXX for up to {$15000.00} XX/XX/XXXX - No card received Unable to use promotional period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-11-17 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: KS

Complaint narrative:
I filed a dispute as to the incorrect items on my credit report with XXXX, Transunion, and XXXX, and it has been well over 30 days and I have not received any investigation results! 
According to the law 15 U.S. Code 1681i-Procedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-11-17 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I filed a dispute as to the incorrect items on my credit report with XXXX, XXXX, and Eqifax, and it has been well over 30 days and I have not received any investigation results! 
According to the law 15 U.S. Code 1681i-Procedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: IL

Complaint narrative:
On XX/XX/22, XX/XX/22 ( additional dates/ tracking numbers attached below ) l sent letters to the credit reporting agency and creditors reguarding inaccurate and unknown items in my consumer report. To this day over 30 days later I have not received a response yet. I feel like Im being ignored and taken advantage of my dispute Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b- 15 USC1681e ( b ) - 15 USC 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One denied my application for a credit card XX/XX/2022 and sent me an adverse action letter. The reason on the letter States " Based on your application information, there are too many delinquent past or present Capital One credit obligations. I've reached out to them and told them according to 15 U.S.C 1681a ( k ) ( 1 ) they can not deny my an extension of credit based on an unfavorable report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts XXXX & XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-11-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts XXXX & XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
During my post foreclosure research I found that the foreclosing entity 's securitized XXXX trust never came into legal existence. Therefore the " trustee '' that foreclosed, XXXX XXXXXXXX XXXX, XXXX, which is not a bank but a corporation owned by the parent bank, could not have foreclosed. The foreclosure is void as a matter of law and yet the XXXX XXXX XXXX in Massachusetts allowed the non-existent trust and the attorneys representing purported third party buyers to wrongfully evict me from my home, as a XXXX single woman, who was denied reasonable accommodation in seeking more time to find suitable housing. The whole thing was a fraud ; I was set up with a fraudulent predatory mortgage from inception. 

There was no harmed party, which I plead to the XXXX XXXX XXXX. Obama bailed out the fraudulent actors three times over, with bail outs of title insurance claims to XXXX and direct bail outs to the large banks, followed by near zero interest loans from the XXXX while the banks financially XXXX homeowners with usurious interest rates on credit cards and various financial instruments at taxpayer expense. No harmed party means no claim, no purported third party claimant. These actors stole my home and a rental property.

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 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I SEND WITH REMITLY THE AMOUNT OF {$550.00} AND {$280.00} ON XX/XX/XXXX THE MONEY NEVER GET TO THE XXXXXXXX XXXX ACCOUNT ITS HAVE BEEN A MONTH AND NOT ANSWER FROM THEN AT AT ALL I HAVE MAKE SEVERALS CALL AND NOTHING BE RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act collections account with XXXX  with account # 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 602 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 2022-11-17 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: NY

Complaint narrative:
I have contacted Experian on XXXX occasion- XXXX XXXX XXXX XXXX XXXX explaining to them that the Bankruptcy on my credit report is incorrect. I have submitted proof from XXXX XXXX show the bankruptcy is not on the report as well as a document from the XXXX New York XXXX XXXX stating they do not provided information to the credit bureaus. Experian continues to say they have verified the information from the courts and XXXX. But how is that possible- they are clearing lying and providing me with incorrect information. I am in the process of trying to purchase a home and I will not be able until this is cleared up. Please see attachments

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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX Hard Inquires Alert on XX/XX/22 my credit report was requested for a Comenity Bank/Sony/XXXX XXXX XXXX XXXX a credit card I did not apply for. This is a HIGH alert and remains on my credit for 2 years. I called XXXX and they reported to their fraud department, inquiry to be removed in 24 to 72hrs. XXXX Rep suggested I report to you FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GreenSky, LLC
State: CA

Complaint narrative:
Approved for XXXX XXXX XXXX XXXX up to {$15000.00} on XX/XX/22 for a promotional period of 6 months. 

No card received, unable to use loan amount as of XX/XX/22. Thats is a XXXX of the promotional period amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MD

Complaint narrative:
I HAVE DISPUTED TWO ITEMS WITH EXPERIAN FIRST ONE MORE TWICE THEY HAVE STATED THEY VERIFIED THE INFORMATION WITH STILL HAVING INACCURATE INFORMATION ON MY CREDIT REPORT. 

ACCOUNT # 1- FAIR COLLECTIONS & OUT 1. DATE OPEN IS INACCURATE ( I DID NOT ENTER INTO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 2. A COLLECTION ACCOUNT CAN NOT BE PASS DUE ( I DID NOT ENTER TO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 3. THEY ARE REPORTING A TERM OF 1 MONTH ( AS IF THIS COLLECTION ACCOUNT IS A LOAN ) 4. THEY ARE REPORTING A DATE OPEN OF XX/XX/2018 ( WITH NO INFORMATION IN THE PAYMENT HISTORY FROM XX/XX/2018 - XX/XX/2018. IT SHOWS NO DATA REPORTED ). 

5. PAYMENT HISTORY GUIDE SHOWS COLLECTION AS OF XX/XX/2018, BUT THE DATE THE COLLECTION OPENED IS XX/XX/2018. SO THE ACCOUNT WAS RE-AGED. 

ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXX. DATE OPEN IS INACCURATEXXXX XXXX XXXX XXXXXXXX XXXX IS REPORTING THE DATE THEY RECEIVED THE ACCOUNT AND NOT THE DATE OF FIRST DELEQUNICY FROM THE ORIGINAL CREDITOR. 

XXXX. IN ACCUATE ACCOUNT NUMBER ( THE ACCOUNT NUMBER DIFFERS FROM A STATEMENT I RECEIVED. ) SEE ATTACHED DOC FOR HIGHLIGTED DISCREPANCY XXXX. EXPERIAN IS REPORTING A TERM ASSOCIATED WITH THIS ACCOUNT AS IT A COLLECTION ACCOUNT. 

XXXX. EXPERIAN IS REPORTING A PAST DUE BALANCE ( A COLLECTION ACCOUNT CAN NOT HAVE A PAST DUE BALANCE AS I NEVER ENTERED INTO A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX ) PLEASE SEE ATTACHED DOCUMENT TO FURTHER PROVE THE INACCURATCIES ON MY CREDIT REPORT BOTH ACCOUNTS REFERRENCED ABOVE SHOULD BE DELETED.

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 2022-11-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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