vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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:
I have filed numerous complaints against Equifax, XXXX and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all XXXXredit Reporting agencies shouls be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
I have filed numerous complaints against XXXX, Experian and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has Experian obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  XXXX  XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls 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 2022-09-30 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:
I have new and updated information regarding previous disputes XXXX and XXXX. Experian has been and are continuing to be negligent with information on my consumer report and are not in compliance with the Fair Credit Reporting Act, see attached exhibits

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MN

Complaint narrative:
More than one company was talking out of my debit Directexpress government card and they went and found that different companies were talking over XXXX dollars and Direct Express decided I didnt deserve to get my money back and they wouldnt let me appeal it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I opened a line of credit with XXXX on XX/XX/2022, which is NOT reporting to the credit bureaus, why?

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I opened a line of credit with XXXX on XX/XX/2022, which is NOT reporting to the credit bureaus, why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I opened a line of credit with XXXX on XX/XX/2022, which is NOT reporting to the credit bureaus, why?

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 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
2. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to Transunion and XXXX. 
3. I have requested the following from XXXX and Transunion and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My family was looking for a cat breeder. We came across this websitXXXX XXXX  : XXXX and they had an available kitten that we liked. We spoke to the breeder via email and she sent us numerous photos/videos of the kitten. We applied to purchase the cat. We went through a lengthy " interview '' process where they determined if we were a suitable match for the kitten. Eventually we were approved. The breeder is out of state and we arranged for shipping ( We have done this with two of our other pets, so we are familiar with working with out of state breeders. ) on XX/XX/XXXX I signed a purchase agreement and sent the deposit for the cat via XXXX, {$1300.00}. This was all very standard. The breeder claimed she never received it which was the first red flag. XXXX transfers are immediate. I asked her to double check and never heard from her again. The email communications stopped and we never got our kitten. 

On XX/XX/XXXX I reported this to bank of america ( my bank connected to XXXX ) and around XX/XX/XXXX bank of america denied my claim stating that I willingly sent the transfer and they would not do anything further. 

This was a very legitimate looking business with a professional website, email service, purchase agreement, etc. I am appalled that we lost {$1300.00} to this very elaborate scam.

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 2022-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Previous case number with Truist : XXXX CFPD Complaint ID : XXXX This has been submitted to Truist and CFPB previously, please see information above. 

On XX/XX/2022 I logged into my Truist mobile app and it asked me to update my preferences ( online or mail delivery of mortgage statement ). I saved my preferences and immediately got an email forwarded to me from XXXX XXXX ( ex-spouse, we used to share the mortgage, I assumed the VA loan when we were divorced, the mortgage/loan is ONLY in my name ) showing my preferences. 

I checked the mobile account and nothing was showing with his email ( XXXX ), but I notice my name has been changed back to XXXX XXXX XXXX XXXX. 

The ONLY email on my account should be XXXX. The ONLY person should be XXXX XXXX XXXX. 

XX/XX/2022 : XXXX XXXX  Called online support ( XXXX ) and spoke with XXXX. She went to look for email, call dropped. 

XX/XX/2022 XXXX XXXX  Called and talked to XXXX  in Customer Care. He wanted to send me to Mortgage but I know from previous experience they can't help. Was sent to... 

XXXX XXXX. She searched for the email address several times and did not find anything. Nothing else she could do. 

Called XXXX XXXX ( XXXX ), first call was dropped but then spoke to XXXX. Gave him my case number and he said the case was closed and wanted to transfer me to XXXX XXXX. I told him I had been on the phone with them for almost an hour this morning. He said he would have someone call me and then he hung up. 

I have been dealing with this for far longer than I need to be. I am scared to make payments on my account or add additional payments to my account because I am afraid my ex husband will see them. We are divorced with XXXX kids and I need to keep my finances separate from him. 

This is absolutely ridiculous that this is still going on.

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 2022-09-30 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
Im frustrated with EdFinancials refund situation. The last week of XXXX I called to get a refund on my COVID payments and they stated it would take approx 150 DAYS to process my refund. Why is it that other servicers are quoting 4-6 weeks but EdFinancial is quoting 150 days? Seems suspicious as EdFinancial has proven to be a sketchy servicer. After calling again to make sure my request was put through I was told that my refund would take a very long time to go through. After all that, the icing on the cake is that EdFinancial had a data breach compromising my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened my account XX/XX/XXXX to recieve my payments from selling Bitcoin Via XXXX. I didn't have a Debit card yet so I attempted to send my funds ( XXXX ) to my step Dad and Instead my account was locked. When I called and explained the problem and What I was trying to do The person on the phone asked will I be sending money to him often I said yes he acted like he u der stood. He told me to try again in 30 minutes so I waited an hour, tried again and my account was locked again. I called a second time, this time I was told to make smaller payments or move the money outside of XXXX so I sent a smaller payment of XXXX 2 days later on the XXXX. My account locked again and when I called they told my they will not open it again and my funds will be sent out in 7-10 business days. For weeks I attempted to send proof of my payments and no one accepted them until XX/XX/XXXX I called and someone finally told me I could send in proof. I go in the next day on the XXXX and fax over my proof of purchases as requested. I sat in the Bank for an Hour and the man there sat on the phone and pretended to transfer my information over and verify me. I left and waited for weeks and nothing happened but for sim reason the bank was sending letters saying they took money out after I've sent all my documents and proof. So I called the XXXX and they told me they see the request to send in proof but no one ever sent it in and he didn't know why either. He told me redo it and this time send it as a XXXX bc I was never supposed to fax it so I came in the XXXX and resend them to the man at the other branch in XXXX. I've still been waiting for new information no one has sent anything and I have been struggling and behind because of it. Every time I listen to the bank they make it worse for me every move I made was bc they told me to do it and then they lock my account and treat me like I did something wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I'm applying for a new mortgage but on my credit is a very old open mortgage saying I owe XXXX this house was sold 7 years ago

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX # 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

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 2022-09-30 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: RI

Complaint narrative:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 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