vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
In XXXX of XXXX I started working with an online company called XXXX. everything went great for 3 months. I deposited over XXXX dollars in bitcoin. They shut down on XX/XX/2022 and took all my bitcoin with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MD

Complaint narrative:
In reviewing my consumer report with TransUnion, I noticed an unauthorized Inquiry on my consumer report from a company named XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I have not initiated any transaction with this company, so they had no permissible purpose to obtain my consumer report. This is a violation of the FCRA 15 USC 1681 section 604. This is an invasion of my privacy. In addition, FCRA section 607 ( a ) requires that every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 604. FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC
State: IL

Complaint narrative:
Northstar location services has been calling my workplace on a daily basis. I do not have record of date and time, but I have told them on a previous phone call that I am not able to take their calls at work, absolutely no exceptions. 

To date, they have left two voicemails stating they are a debt collector on a shared voicemail in the workplace. I have audio files and voicemail transcription available from voicemails on XX/XX/2023 and XX/XX/2023. I am able to provide the e-mails with transcriptions, as the mailbox they were delivered to is a shared e-mail at the workplace. 

The violation of my privacy has been very upsetting, especially as it has occurred on multiple occasions. 

I have sent a message to the company asking for steps to ensure my workplace is no longer contacted, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX of 2022, I placed an order from a wine merchant in Florida using my mastercard, a credit card issued by Barclays for the amount of {$320.00}. Merchant used XXXX as the shipper for the wine using a XXXX  tracking number. Before the order arrived, I've contacted the merchant and told them that I will cancel my order. They accepted my decision and approved the return. The merchant contacted XXXX  generating a second tracking number for the wine that was being returned to its origination, XXXX, Florida. The merchandise arrived on XX/XX/2022 by XXXX in XXXX, Florida. The merchant never applied the due credit in the amount of {$320.00}. 

I then disputed the {$320.00} with the bank explaining to them the history of this merchandise. My case never received the attention it needed to properly resolve the issues and Barclays dropped the case saying that they could not resolve my situation with the merchant.

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 monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
On XXXX XXXX I was XXXX  in Washington XXXX DC. They took my car, wallet and phone. This held me up in paying my bills as I had no access to money, telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: IL

Complaint narrative:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I did not open this credit card account with apple. The phone number, address, and email they have on file is not mine and the first specialist I spoke to over the phone clarified this. I was told to dispute this with the bureaus, so why did Goldman Sachs close my last complaint without resolution?! I feel extremely violated, and will not be responsible for an account that is not mine. That is against federal law. I am extremely upset and stressed that my information has been tampered with. 

After I disputed the account an unknown address appeared on my credit report-XXXX XXXX  XXXX XXXX XXXX ga XXXX XXXX I have never lived there or know who lives there. 

I submitted my FTC report and identification to Goldman Sachs and the credit bureaus. This account is a result from identity theft, again, I am not responsible for this account. 

Please refer to 15 USC 1681C-2 ( A ) " If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won't show up on your credit report, and companies can't try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information ''. 

This is straight from the government website bonded by the United States Government. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: GA

Complaint narrative:
I have hard inquiries on my credit report from all 3 bureaus XXXX Trans Union and XXXX. 
I have tried to reach out to all parties involved and yet they are on all my 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 2023-03-29 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: TX

Complaint narrative:
I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I HAVE BEEN CURRENT WITH MY MORTGAGE PAYMENTS FOR XXXX  YEARS. COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICING, LOAN # XXXX HAS BEEN TRANSFERRING MY LOAN TO SEVERAL LOAN SERVICING COMPANIES WITHOUT INFORMING ME ABOUT THEIR DECISSIONS. IN XX/XX/2022 THEY TRANSFERRED IT TO XXXX XXXX XXXX. THE PAYOFF AMOUNT WAS {$170000.00} AS OF XX/XX/2022 BUT NOW IT IS {$180000.00} AS OF TODAY, FOR THE LAST XXXX  MONTHS THEY INCREASED THE PAYOFF AMOUNT SUSTANTIALLY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX WERE TELLING ME THAT THEY WERE WORKING ON MY LOAN MODIFICATION TO GET MY MONTHLY PAYMENTS STABLISHED AND WITH SAME TERMS AND CONDITIONS. THEY ASKED ME IF {$650.00} MONTHLY PAYMENTS WAS OK WITH ME i ANSWERED YES. I REQUEST THAT MY MORTGAGE ACCOUNT STAYS WITH COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICINB SINCE THEY WERE OFFERING ME HELP THROUGH THE GOVERNMENT PROGRAM SINCE I LOST MY JOB DUE TO XXXX. PLEASE I NEED TO FINISH WITH THIS NIGHTMARE. I AM A SENIOR CITIZEN DREAMING ABOUT TO HAVING SOME PEACE OF MIND AT MY AGE. GOVERNMENT PROGRAM WAS OFFERED TO ALL CITIZENS WHO LOST THEIR JOBS DUE TO XXXX  TO AVOID LOOSING THEIR HOMES AND I HOPE THIS GOVERNMENT PROGRAM REALLY IS TO HELP US TO KEEP OUR HOMES. I WORKED VERY VERY HEARD TO RAISE MY CHILDREN AS A SINGLE MOTHER AND ALSO PAYING MY MORTGE ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
The mortgage company didnt make the correct property tax payment that was specified on the closing disclosure for the escrow and are now requesting us to pay it, when the mistake was made on their end a few years ago and are just now bringing it up. They wont give me any explanation other than taxes and insurance is increasing, but there is no reason we should be short {$8500.00} on a {$150000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Auto Trakk, LLC
State: DE

Complaint narrative:
XX/XX/2023 its reporting a charge off/collections when the lease was paid off to 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 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Due to a previous complaint there was a cease and desist letter and this company promised to stop with illegal collection and harassment. The problem is that now they are claiming I owe all this money that I dont and they wont send me a bill to clear it up or accept payment. They are reporting this bogus amount due now to all three credit bureaus and given me no way to look at what the charges are to resolve or pay it. This has had a huge effect on my credit score bringing it from over 700 down to 500 something! This is unlawful and illegal. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had XXXX Experian XXXX XXXX monitoring and credit scores. My account was put on hold when they could not bill my monthly fee. Once, I added a new card, my monthly service continued. However, without any rhyme or reason, each month my fee of : {$24.00} is debited from my bank account, Yet, Experian keeps closing access stating I have to update my banking information. When I check my bank, you can see the monthly withdrawals be debited from my account, however Experian denies me access. This is an ongoing problem with correct information, and I'm tired of trying to add " Already Good '' billing information for their services. They are taking my money each month, but not allowing access each month to those service. 
To make problems even worse, I've called so many numbers and they all lead to nowhere. They end up sending the customer to an automated system, that does not and can not resolve the issues. I can't get in touch with them, or update already correct payment information. CAN I PLEASE HAVE YOUR HELP..?? Experian should be guilty of fraud for taking customer 's money without providing the equal service..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX. I was contacted first by someone claiming to be a process server. They stated I was being sued in civil court regarding a Chase credit card, which Ive never had. He gave me a number to call XXXX who stated the same information. Claiming they were going to put a lien against my new vehicle. My concern is they were able to tell me the last 4 digits of my social security number, the make, model and year of my current vehicle, my current address and a previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: OH

Complaint narrative:
I pulled my credit report and I noticed 2 separate accounts attached to a name that doesn't belong to me at all. Both companies have wrong personal information SSN, and Addresses. I have no idea how this information has crossed over, nor do understand this identity theft stuff, but I know the accounts below do not have any association to me whatsoever. According to FCRA I have the right to dispute all fraudulent items on my credit report. I am requesting that these accounts are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29 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: TX

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information 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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX Account is reporting and I have no knowledge of the account. 

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnishes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I don't know where the charges occurred from. I closed my account right before I got XXXX  in 2018. I was charged fees after I closed account. I don't know if someone used my info.

Company response to consumer: Closed with explanation