vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have to be right of privacy. 

15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions. 

15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2022-05-20 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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXXy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} XXXX XXXX  account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX  account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$24000.00} XXXX XXXX. {$25000.00}

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been with Capital One for over 7 years. Never have they treated me so poorly or cared so less about my problems. I was scammed before I could verify an account to pay my credit card, so my account was put on hold. I was informed I have to provide the information to that account that was to be used to pay my CC but being scammed there is no paperwork.. no information to give Capital One. Capital One informed me that I will have to keep paying on my credit card untill I provide the non-existent information, which I CAN NOT because I was scammed. Capital One does not help people who are scammed therefore my credit will never be fixed and this credit card will be on hold my whole life is what I was told today by supervisor XXXX. There is no help just limbo. I have called multiple times, talked to multiple people including other supervisors and they literally say the same thing. " We can not help you unless you provide the information that is needed. '' I WAS SCAMMED! I always pay my bill, infact I love my Capital One card but this information that is " needed '' doesn't exist. I have XXXX kids that depend on me and one bad issue that a well renowned company won't help me with. I need this fixed so I can go on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collection Service for the amount of {$340.00} started reporting a collection account on XXXX. The original creditor name XXXX XXXX. These companies are reporting an inaccurate account to my XXXX credit file. I contacted XXXX in regard to rectifying the account they stated they have no control over the account and can not send me the information used to validate the debt. This Is very frustrating i never had an account with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Mortgage payment XX/XX/2021 wasn't late. I always paid on time as agreed. See attached account history.

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 2022-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
RE : Loan Application App XXXX. 

They failed to follow guidelines for consumer lending and advertising by stringing out my loan application and using arbitrary reasons to terminate my loan offer because rates had gone up. There was no attempt by the lender to close the loan as quickly as advertised. They intentionally delayed my application because the Federal Government was expected to raise interest rates and they did not want to honor the rate they had offered to me. They advertise closing on loans within days and this was reiterated by representatives throughout my application process. In reality, they would regularly request new documents drafted attorneys, and that required notarization, all at my expense. Each time I took time off work to have the documents drafted, notarized, and returned to them in a timely manner. They would not review documents in a timely manner. For example, I may not hear anything for several days until they request a revision that should have been previously specified. And again, I took time off work to have the document drafted and notarized at my expense. On or about the afternoon of the XX/XX/2022, the United States Government raised interest rates. On or about the evening of XX/XX/2022, the lender made a brand new request for documents. Less than XXXX business hours later, they cancelled my loan application because it was not approved within 14 days. It was not approved within 14 days because of their broken and unprofessional approval process. I am a 100 % XXXX Veteran and the lenders actions have aggravated my health. The lenders actions have also caused me to : XXXX. ) lose the loan rate that I had locked which will cost me thousands of dollars ; XXXX ) cost time/stress trying to accommodate their overly burdensome requests ; XXXX ) damaged my credit ; XXXX ) it will cost time/stress of seeking other funding at a higher rates. I plan to file a formal complaint with the State of California Attorney General and other regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: MI

Complaint narrative:
I have never had a XXXX XXXX XXXX XXXX XXXXXXXX that gave me {$700.00} in credit. 
I have always been denied. 
I do not owe this money, this is first notice I have ever gotten, I do not have XXXX XXXX XXXX XXXX credit that allowed me to have any kind of credit. 

This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$340.00} XXXX XXXX account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX  account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status XXXX. {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} XXXX XXXX  account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX  account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status XXXX. {$25000.00}

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XXXX : Deposited an echeck into my Bank of America account. XXXX : Spoke on phone with a BOA rep who stated that the echeck had cleared. I specifically asked if I was safe to use the funds without fear that the echeck would be rejected by the issuing bank. Was informed that the funds had cleared and would not be reversed. 

I dispersed part of the funds at instruction of echeck issuer. Echeck issuer turned out to be a scammer. XXXX : the entire echeck amount was charged back to my BOA account - contrary to what I had been told by the BOA representative, I am now out the funds I dispersed ( via XXXX - per scammer 's instructions ). 

If BOA had given me the correct information instead of telling me funds were irrevocably in my account, I would not have initiated the XXXX transaction. BOA, so far, is not taking responsibility for giving me wrong information and, additionally, refuses to provide me with a copy of their recording of the conversation which clearly includes the incorrect information from their rep.

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 2022-05-20 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: TX

Complaint narrative:
Mortgage payment XX/XX/2021 wasn't late. I always paid on time as agreed. See attached account history.

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 2022-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Mortgage payment XX/XX/2021 wasn't late. I always paid on time as agreed. See attached account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I disputed transactions from XXXX that I did not authorize and my bank denied my claim

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 2022-05-20 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: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the company below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX claims that they have been in contact with me about a debt in XXXX, which is completely false. I've never spoken to or agreed to pay any amount to this company. They were not able to provide info stating that I spoke to or agreed by contract. Please have them provide information regarding this conversation. There is a collection on my credit report for XXXX in which they claim I agreed to pay.

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 2022-05-20 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: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the company below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX claims that they have been in contact with me about a debt in XXXX, which is completely false. I've never spoken to or agreed to pay any amount to this company. They were not able to provide info stating that I spoke to or agreed by contract. Please have them provide information regarding this conversation. There is a collection on my credit report for XXXX in which they claim I agreed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX-Modification FHA Trial Agreement, 1st payment XX/XX/2020 {$810.00} 2nd payment XX/XX/2020 {$810.00} 3rd payment XX/XX/2020 {$810.00} 4th payment XX/XX/2020 {$810.00} In which, I paid these as scheduled. I was told these were only the trail peroid payments and that the Modification actually began in XX/XX/2020, which was very confusing. Sometime between XXXX XXXX I contacted Mr. Cooper I feel was misinformed by one of the representatives from Mr. Cooper about the Forbearance for COVID plan. I did the Forbearance plan and wished the representative would have taken the time to review my loan and noticed I had a pending loan modification. Had someone explained how canceling the loan modification would have a huge impact on my loan, I would have never agreed on the forbearance. It has been such a challenge since these changes took place and it will show if you review my notes. It made it appear as if I selected to cancel the loan modification and that was not what I requested. I replied on the professional option from the representative from Mr. Cooper to assist me, with the best option for me. I have been in my home for almost 20 years and it is the only thing my daughter and I have.

Company response to consumer: Closed with explanation