vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In 2011 my wife and I took out a XXXX dollar HELOC loan to address some issues with the house we presently live in. The credit line was available for five years ; after which, it turns into an installment equity backed loan. 

That has not happened. All 3 credit bureaus are still reporting the loan as a line of credit with available credit and balance. This is not correct and my credit score is being, adversely, affected. My total revolving credit line is incorrect, as well as, my total revolving balance. 

The total credit limit listed is : XXXX Actual : XXXX Current Used : XXXX Actual : XXXX I was informed by the lending entity that this is just the way it is. This would suggest that it's fine for lenders to provide incorrect information that affects future financing endeavors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
Payment for XX/XX/XXXX was taken out of my account on XX/XX/XXXX making my payment 30 days late, contacted the mortgage company and they stated that I needed to write a letter to explain the situation. I then asked for an e-mail address to where to send the letter and was told that they did not have an e-mail address and documents had to be faxed, I received the fax number and submitted a letter explaining that they had removed the payment for XX/XX/XXXX on XX/XX/XXXX. My credit report still has a 30 day late showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: MARINER FINANCE, LLC
State: IN

Complaint narrative:
I filed for XXXX XXXX bankruptcy in XX/XX/XXXX. By bankruptcy was discharged XX/XX/XXXX on a 100 % repayment. I have a creditor, Mariner Finance, that reported my account as severely delinquent during my bankruptcy period. This creditor was included in my plan however the credit bureaus indicated that the creditor provided sufficient documentation to support their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is saying I owe them {$680.00} and I dont know have any knowledge of using their services for anything.

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 2021-05-18 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 — Investigation took more than 30 days
Company: Premium Credit Bureau
State: NJ

Complaint narrative:
I have filed a dispute on my credit report, it has been well over 30 days and I haven't receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I have filed a dispute on my credit report, it has been well over 30 days and I haven't receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Santander Consumer USA Holdings Inc.

Complaint narrative:
Santander Consumer USA continues to violated the Fair Credit Reporting Act ( FCRA ). They continue to run unconsistently report on each of the credit reports with misinformation. Account information isn't right and continues to effect me. Reports co each month which is restarting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I had mailed Equifax information about my credit report stating that I have an unauthorized inquiry on my account that Id like removed since I do not recognize it. I then called after 30 days because they never took action. They asked that I mail them again and I did. It has now been over 30 days and they still have not removed this Inquiry from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
Hello, I purchased a home in XXXX of 2020. My original loan documents, my closing disclosure had a monthly payment of $ XXXX/month. For the 1st year I made the payments of {$1200.00}, but over the course of the year my loan was transferred to multiple different companies. It is now currently with ESSEX MORTGAGE, and recently they reached out to me stating that my monthly payments would be going up to $ XXXXmonth. I reached out to my city, which is the city of XXXX, GA. They told me that they don't see any significant change in my taxes. My mortgage company is telling me that increase is due to my city 's taxes going up & my insurance payments increasing every month. I'm insured through XXXX, but they stated that my annual premium actually down. None of this information was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Checkr, Inc
State: FL

Complaint narrative:
I have been driving for XXXX full-time for over 2 years and am a highly ranked driver with a 4.99 ranking out of 5.0 with over 6000 riders. I have not been able to access the XXXX platform in 3 WEEKS because of my prior background check expiring while CheckR ( XXXX 's 3rd part background check service provider ), conducts the current background investigation. The company states background checks take 3-5 business days. As per XXXX the driving record part of the investigation is complete but the criminal background check part is still pending after 28 D-A-Y-S and counting?! 
I AM NOT A CRIMINAL. I HAVE COMMITTED NO CRIMES. Yet, I am guilty until proven innocent in this bureaucratic process that takes advcantage of the fact that XXXX drivers are " contract workers '' .. 
Meanwhile, I have literally lost XXXX $ of dollars of revenue as my XXXX account is suspended waiting for CheckR 's response. I have received no email communications from CheckR requesting any further information. It is IMPOSSIBLE to get ANYONE on the phone let alone have someone EXPLAIN what the hold up is. The only resource is a cookie-cutter FAQ page on their website about what " MIGHT '' be holding up the background check. When you attempt to call it leads to a recorded message that refers you back to their website portal and promptly hangs up on you?!

Meanwhile, I am unable to drive for XXXX OR ANY OTHER COMPANY that uses CheckR as their background company. I am left with NO RECOURSE, NO INCOME, and NO ALTERNATIVES to replace my livelihood as a gig driver!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I mailed out letters to XXXX, Transunion and XXXX on XX/XX/2021 about HIPPA Law Violation reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX, Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts for the HIPPA Violation and the bankruptcy after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.

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 2021-05-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I mailed out letters to XXXX, XXXX and Experian on XX/XX/2021 about HIPPA Law Violation reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX, XXXX, or Experian also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts for the HIPPA Violation and the bankruptcy after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2021 I made a ftc affidavit because I checked my credit report and I noticed that XXXX XXXX XXXX, headquarter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are fraudulent inquiries, I never authorized these inquires and want them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NY

Complaint narrative:
An account was opened in my Name with XXXX. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as XXXX XXXX/XXXX along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where XXXX were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, XXXX, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and XXXX was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.

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 2021-05-18 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
An account was opened in my Name with Zales. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as Comenity Bank/Zales along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where XXXX were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, XXXX, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and XXXX was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

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 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app is forcing its users to pay with digital wallet by not sending debit cards as they said they would. Even goes to extremes to display a card has been delivered as per its status. After user grants permission to use XXXX XXXX, cash app will then commence a duplicate transaction using an icon similar or exact to the original merchants. When you choose to dispute they will then tell users to take it up with the merchant, or email them, never insisting or suggestion to open a claim as the real appropriate method in these situations. After reminding them the balance on cash app can never be negative and threatening to defund the account, they reversed the transactions and returned the funds. They did this subsequently for two charges and reversed each one within 5 minutes of each other after saying the exact same thing. This calls for a class action lawsuit for many people this has happened to and left much confusion dating back to cases over a year ago suggesting this scam is STILL ONGOING. This is obscure and must be stopped! Cash app must be put out of business, and publicly revealed, as the government bankrupts these scammers out of commission! 




The two transactions I will reference are from XX/XX/2021, XX/XX/2021, XX/XX/2021 The name of the correct merchant would be XXXX not XXXX - cash app has used a disguised name to avoid infringement. Meanwhile neither XXXX or XXXX had any record of the repeated charged transaction because Ive never had a subscription. 


The relation between the two are that they are both being done via digital wallet, XXXX XXXX, not using the card directly. I have zero access to my card because cash app hasnt sent me one for over a month. That makes room for them to forge transactions and app icons. I have support and references from external websites complaining about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX, we closed an old VISA credit card account with Capital One Financial Corp. in XXXX, VA. 

On XX/XX/XXXX, Capital One accepted a charge from XXXX XXXX on the CLOSED VISA account for {$29.00}, by transferring it to our new VISA account number. This is illegal and fraudulent misrepresentation and consumer abuse by Capital One. In fact, by accepting XXXX XXXX charge to a CLOSED VISA account, then they never closed the old VISA and thus denied us the ability to use the old VISA number. In effect, we were forced to have two VISA accounts, old and new, even though we explicitly closed the old one with them. 

As for XXXX XXXX, we closed the account with XXXX by not providing them with the new VISA account number. Why is explained below. Instead, XXXX auto charged the old VISA number, yet that old VISA was de-listed in my XXXX account information because it was closed with Capital One. Now, why didnt we list the new VISA number with our XXXX account? Because we wanted to close their account, too. But XXXX does not provide any online form or phone number of communication to end their services -- despite claiming to do so -- and their offices are located in XXXX, XXXX, with no phone number listed! This can all be documented. They also are committing consumer fraud, but that is a separate matter I will file with federal authorities. 

As a result of all this, we filed a dispute with Capital One for the charge and they credited the amount temporarily. 

But on XX/XX/XXXX, Capital One re-charged the amount from XXXX for {$29.00}, desiring documentation to support our dispute. We will provide that documentation, but regardless and more importantly, we shouldn't have to do so. Why? Because Capital One committed fraud in not closing our old VISA account and accepting new charges to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation