vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Credit companies show that I am reported as a deceased person I have no fico score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit companies show that I am reported as a deceased person I have no fico score

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 2022-09-12 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 — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: IA

Complaint narrative:
Credit karma said I was pre-approved for credit card. Denied me when I applied and hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I am approved for the XXXX. They are paying 18 months of my mortgage. Every month they send the payment to my lender and my lender does not apply it to my account in a timely manner. The grace period this month is rapidly approaching and when I call the lender they continue to maintain that they have not received it. When I speak to the XXXX, they confirmed that the payment was sent this month just like it was the last 2 months. Last month it was applied only after I filed a complaint with this agency.

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 2022-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I found this on my credit report and I did not apply for any credit cards. Here is the info. 
BANK of America XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I FIRST was informed of this debt XX/XX/2022. I have NEVER received a bill from this electric company saying I owe them. I never received a letter or bill or phone call from ANYONE including the " second '' creditor not this last one TransWORLD XXXX. when I saw this on my credit report I attempted to contact ALL of them to resolve this because a credit report should not be the first time I hear of a debt from 3 years ago. The fact of the matter is I am a single mother with XXXX in college and I got denied a Direct Plus loan for my sons tuition all because of this bill I am unaware of. I have XXXX debt aside from student loans and I am careful about this. That home at XXXX XXXX XXXX has MANY people living in there and they must have used my information without my knowledge. I really ; y dont know but I am trying to get it deleted so my sons loan may get approved. After I spoke to Transworld about this issue it is causing my son, they agreed to delete it, but then pressured me to give them my credit card info then used language to create a barrier and trick me into paying for something that does not belong to me. My son will get kicked out of University of XXXX XXXX if I dont get this resolved and it has contributed to XXXX for both him and I. Nothing is more important than my credit and his school right now. Please understand this is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have never opened this account ( XXXX  ) in XXXX it says. I have never lived in a XXXX Il. Where this account came out of. I have lived in XXXX XXXX Nv since 2003. I have went through XXXX XXXX, it has came back that it is mine, in which they are wrong. I have never order from XXXX ever!! Credit collections is LVNV funding LLC and says I owe XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: KY

Complaint narrative:
XXXX  XXXX XXXX  XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX  XX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX  account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX XXXX  XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}

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 non-monetary relief
Consumer complaint received 2022-09-12 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: KY

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX  XX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX XXXX  XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This the ground for removal they also violated my rights under 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 agency can not furnish a account without my written instructions 1. XXXX  XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX CO XXXX AZ XXXX ) # XXXX XXXX XXXX XXXX XXXX # Duplicate Account Overall, according to the 15 U.S.C. 1681 n ( a ) ( 1 ) any actual damages by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

I want one thousand per violation or to remove the accounts. 

Please adhere to this : Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( 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. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different.

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 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
Good afternoon. 


In the about or after XX/XX/2022, I did close Discover XXXX Credit Card. 
A refund check was issue, but the total amount is wrong. And need to be corrected by Discover XXXX Credit Card. 
Account XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
I use XXXX XXXX which handles my employer match contributions to my student loans. Prior to XX/XX/22, I already paid off my EdFinancial Services account in full. On XX/XX/22, XXXX sent a check of {$730.00} EdFinancial as a mistake even though their website says " payment made to XXXX account ending in XXXX ''. On XX/XX/22, I contacted XXXX, and according to the customer service representative, the check could not be cancelled because it was marked " processed '' by EdFinancial. Therefore, I'm not able to use the {$730.00} to pay to the correct loan servicer, XXXX. Immediately after, I contacted EdFinancial customer service, but they said that the check was not posted to my account or balance ( see the screenshot of my EdFinancial account balance -- there's no mention of the {$730.00} check ). They said they will start an investigation, but there is no way for me to keep track of the investigation other than to call back. The EdFinancial customer service agent also implied that there is an extremely long wait time, and no expected turnaround time in mind. It is highly suspicious that EdFinancial received a check nearly 2 months ago, and they haven't sent it back or posted a negative balance to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: DISCOVER BANK
State: NC

Complaint narrative:
The company allowed three fraudulent charges to remain in the card. The hotel charges was fraudulent charges after leave the property. The manager checked me out with no balance remaining. Because of my personal situation the charge is part of a for hire scam ..people paid to get paid to charge account. The charges was never agreed to or signed for. The other charges was for XXXX XXXX that was for another residence. My rent was paid of to XXXX. Even though I left in XXXX. 

Then after that the bank reduced my credit limit even though no payment was missed and my income increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: FL

Complaint narrative:
On XX/XX/2022, I sent notice to Equifax to investigate accounts on my consumer report that are inaccurate. I have not received a response from them as of yet. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

They are inviolation and the accounts need to be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: OPTUM BANK, INC.
State: VT

Complaint narrative:
My employer 's payroll company required that my XXXX change from XXXX XXXX XXXX Optum Bank. I opened account and initiated a trustee to trustee transfer. Optum required identification verification. I missed the first email and then took too long getting info to them, they closed the account. Calls were made to find funds deposited into Optum account. XXXX deductions they received went back to XXXX XXXX and were included in my pay. Optum told me that transferred funds went back to account of origin. XXXX claims not to have received them. Optum claims not to have funds either. Last verified record of the money was check # XXXX for {$1600.00} from XXXX  to Optum sent XX/XX/2022. XXXX  sees that check was cashed on XX/XX/2022. The Optum account was closed on XX/XX/2022. No one admits to having record of that money since. I have made many phone calls over the last 7 months trying to find my savings and transfer it to my new, self-administered XXXX  with XXXX. I have hospital bills due and have not been able to access the money I saved. Please help! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX a credit report was ordered by XXXX  XXXX XXXX from a unknown person for a XXXX XXXX Credit Card. The application was made containing my name, DOB, SSAN, and home address, all information correct however the application DID NOT COME FROM ME AND IS FRAUD. Credit alerts and freezes have been implemented, notifications have been made and the credit card WAS NOT issued

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 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX placed an order for buying XXXX XXXX for a sum of {$57.00} through PayPal and I never heard back form the fraudulent seller! I contacted PayPal in this regard and unfortunately they told me the transaction was made through " personal '' not " purchase '' transaction and they can not help with that! This is very frustrating for me because I am the payer told them it was for " purchase '' and the fraudulent seller made some trap in the payment to make it recorded as " personal '' and PayPal should block such frauds to happen through their website. The information of the seller is given below : PayPal XXXX ID : XXXX Date : XX/XX/2022 Amount : {$57.00}, Paid with : XXXX  XXXX XXXX ( XXXX ) Seller info : XXXX, XXXX XXXX XXXX See attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: KY

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

15 USC 1681 section 602A states i have the right to privacy.

15 USC 1681 section 604A also states a consumer reporting agency can not furnish an 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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I had fraudulent charges to my account in the amounts of XXXX, and 2 charges for {$27.00} on XXXX XXXX. Now more than 90 days later my provisional credits have been reversible putting my account into the negative. I did not make the changes I disputed. I was not notified that the charges were going to be reversed. I want my money back and the account closed. Im tired of having issues with my account that are not being resolved. I want this corrected for good and the account closed.

Company response to consumer: Closed with explanation