vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX accounts were previously paid. Receipts attached. However, now way after they were paid Equifax has that the two accounts are late XXXX, XXXX & XX/XX/2022. These accounts are not late 120 days. These accounts were paid prior. Accounts XXXX. Please remove lates reports 120 days plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// XXXX, XXXX and EQUIFAX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// XXXX, XXXX and EQUIFAX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// XXXX, XXXX and EQUIFAX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// XXXX, XXXX and EQUIFAX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// XXXX, XXXX and EQUIFAX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// XXXX, XXXX and EQUIFAX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to XXXX, XXXX and EQUIFAX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by XXXX, XXXX and EQUIFAX ( they were furnished without my consent ) /// NOTICE IS GIVEN : In the event XXXX, XXXX and EQUIFAX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and Equifax have failed to provide XXXX XXXX from XXXX 's verifying that I am the actual account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
XXXX 's is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes Experian and XXXX have failed to provide XXXX XXXX  from XXXX 's verifying that I am the actual account holder

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 2022-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP
State: MO

Complaint narrative:
I clicked on an email I received for get credit score from 3 reporting agencies for XXXX XXXX All I've gotten was charged XXXX monthly for services I didn't want and haven't received. I still have not seen my credit score. I have disputed this with XXXX and every time I put money in my account they grab it up. I have had to get XXXX to get my money back I have contacted the company and asked they cancel whatever they enrolled me in w/o my consent. And still ive been charged again for services i dont want. The company is XXXXand they don't take it monthly but soon as I put money on my card it's like they know it's there. They took XXXX out of my account on XXXX XXXX, XXXX, they arent even on a monthly schedule.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR XXXX IN ORDER FO THE XXXX COURT TO INVESTIGATE THE FRAUD. XXXX REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX  WHO CHANGED THEIR NAME TO OCWEN AND NOW PHH. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN XX/XX/XXXX. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED.

PHH IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE.

REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM PHH FOR REFERNCED ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX  IN XX/XX/XXXX, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS 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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022, I mailed Capital One some documents pursuant to the Fair Debt Collection Practices Act that I have attached for reference and they have completely ignored me. They still send monthly statements demanding payment from me, but have failed to respond to the letters sent to them. 
I am aware that Federal Law supersedes State law in this matter and they have violated many Federal laws. 
If they try to come back and say that the above mentioned section does not apply to them here is the definition of debt and debt collector : 15 USC 1692a ( 5 ) debt : means any obligation or alleged obligation of a consumer to pay money 15 USC 1692a ( 6 ) debt collector : means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose is the collection of any debts. 
Considering those two definitions Capital One qualifies because each monthly statement that they send, they are alleging that I am obligated to pay that AND they are using the mails to send those statements. Also note, that Capital one principal purpose is to collect on any obligations alleged or not. 

I am also aware that Capital One is not apart of the exclusions section. I am the one who originated the credit because without me filling out the credit application, the credit would not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VT

Complaint narrative:
I downloaded the chime app and attached my bank because my daughter was excited about the app. I assumed it was an investment app but waited for her to guide me to encourage her but after two weeks my personal bank account seemed off so I started going through transactions and chime had charged me {$300.00} the first week and {$100.00} the second week. I called them and closed my account and disconnected my bank and then called my bank to let them know what was going on. I waited 5 days like they said to get my money back but it only took two, the five days ended on a Friday and on Monday I went to delete the app to find it was fully open and my bank account was still attached plus there was another {$300.00} on the chime account. I called them and asked them where the option to turn off automatic deposits was because I never authorized them in the first place and the woman on the phone said she had to download the information and about 3 or 4 minutes into waiting she hung up on me so I called back and again asked how to turn off their automatic deposits, this was after I went through every option and setting on the chime app twice and there was no option for me to stop it. I got hung up on mid sentence this time. I transferred the {$300.00} back to my regular bank account and called back again and asked to talk to a manager and while on hold another {$300.00} was transferred out of my regular bank account to chime only 15 hours after the last {$300.00} was taken. The manager got on the phone and said I have to call my bank and that it was my bank sending them money and authorizing the amount and they had no control over what my bank does. As an adult with a XXXX XXXX who has had many bank accounts, I knew that wasnt true but I did hang up and call my bank who obviously said they werent authorizing the transfers. We put a stop payment on future transfers but chime blocked my account during that time so now XXXX cant dispute the or transfer the most recent {$300.00} that they are holding. They were extremely rude on the phone as well. My bank asked me to close down my chime account which I tried to do but was blocked from doing that as well. Im not sure what is going to happen from here but what I do know is that chime is a scam and that everyone should stay far far away from them. I just read all of their terms and they are using the excuse that the transfers are electronic communications I am attaching documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
This is a XXXX XXXX. My bank XXXXXXXX XXXX XXXX XXXXXXXX is forcing me to pay this solar loan off as part of my refinancing. We closed on XX/XX/XXXX. My closing attorney send a certified check to Goodleap in California. someone signed for it. They lost it. They are still billing me {$350.00} for the last two months and I am also paying XXXX now. I need it get this paid off. My attorney is XXXX XXXX at XXXX, XXXX, & XXXX in XXXX, Virginia. Her number is XXXX XXXX XXXX. 

We have talked with Goodleap 's customer service four times now. They say they have no check and will keep billing me??? What can we do? Sue them? Goodleap can be reached at XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Please help us. 


XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX I WOULD LIKE THIS ACCOUNT INVESTIGATED IM NOT SAYING ITS REPORTING RIGHT OR WRONG IM JUST NOT 100 % SURE. I HEARD BY LAW YOU HAVE 30 DAYS TO COMLETE THE INVESTIGATION OR THE ITEM MUST BE DELETED. I WANT THIS ACCOUNT REMOVED IF THERES ANYTHING MISSING PLEASE INVESTIGATE FOR ACCURRACY.

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 2022-08-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
( Chase ) XXXX XXXX credit card. I was buying tickets, when there was a spot to put it kn credit. So I did. The promotion said XXXX off XXXX in miles or something along them lines. After I did it I tries to buy the tickets and the price changed. So I didn't buy them, used my other phone and bought them off a different credit card. I called them to cancle they said they couldn't it was already in the process. I also the promotion that they gave me was spend a XXXX and get XXXX miles. That's not what I signed up for. I know I did participate in the application. So this might be my fault but I personally don't think so. Now I have a hard hit on my credit report and new card that I'm not going to use and my credit will go down. because of the two problems I listed. There customer service was unprofessional and you could barely understand them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, chase bank NA froze my funds and my business account due to a check that had a error, they have already reached out to the owner of the check and confirmed it was an authorized check, however Chase is still refusing to unfreeze my account. and holds {$720.00} locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank opened and closed a former credit card account without my permission. This resulted in an inquiry to my credit along with my history now showing I open and closed another credit card. At no point did I tell them to open this card and their actions show they messed up by closing it the same day on their own. I have called their customer service and they confused. Their request was for me to send them a message in their internal message app. I feel as if they could be doing much more as I was about to use my credit score for a large purchase. This will impact my monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// XXXX, TRANSUNION and XXXX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g//XXXX XXXX, TRANSUNION and XXXX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// XXXX, TRANSUNION and XXXX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// XXXX, TRANSUNION and XXXX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to XXXX, TRANSUNION and XXXX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by XXXX, TRANSUNION and XXXX XXXX they were furnished without my consent ) /// NOTICE IS GIVEN : In the event XXXX, TRANSUNION and XXXX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// EXPERIAN, XXXX and XXXX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// EXPERIAN, XXXX and XXXX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// EXPERIAN, XXXX and XXXX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// EXPERIAN, XXXX and XXXX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// EXPERIAN, XXXX and XXXX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// EXPERIAN, XXXX and XXXX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to EXPERIAN, XXXX and XXXX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by EXPERIAN, XXXX and XXXX ( they were furnished without my consent ) /// NOTICE IS GIVEN : In the event EXPERIAN, XXXX and XXXX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit

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 2022-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 2022-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation