vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!

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 2022-08-31 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: GA

Complaint narrative:
I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a {$300.00} Capital One Credit card in XX/XX/2022. When I first used the card I paid off the balance in the next statement. It was my intention to continue to do that. I was not notified that my payments were being returned due to auto pay from a bank account I didnt know I had or use. I never signed up for auto pay. I dont understand how or why it was set to come out of that account. 
I then received a letter from Capital One stating that I didnt use the card as I was supposed too. 
So they closed my account. I really wasnt aware what was happening! I know that my over the limit was due to numerous fees charged on my account. I really didnt understand the auto pay setting. Because I was manually paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to EQUIFAX and received a computer response by mail. Equifax sent me a letter claiming none of the inquiries I placed on my letter wasn't on my report when indeed they are still reporting the inquiries on my report. I attached the letter below. I called and all they did was tell me to resubmit the dispute by mail, which tells me they don't care.They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these FRADULENT inquiries be removed please. XXXXXXXX XXXX  had no permission to pull my credit report or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I received a wire deposit for XXXX. Capital One then put a restriction on my account the next day and would not release my funds. I also received a XXXX payment in that account and they refuse to release that to me as well. When I spoke with a representative last she told me they would mail me the money but that was a whole month ago. My account has not been closed but they keep saying pending closing but it hasnt closed down. I have not heard anything back from the investigator on my case. The have $ XXXX locked in my account and will not release my funds. I missed my closing because those funds where for my residential closing of my home and I couldnt even get my home which left me and my XXXX XXXX because of Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased furniture at XXXX XXXX on XXXX/XXXX/XXXX and used their promotional offer of no interest paid during the XXXX moth period I was offered. I enrolled in auto pay so that it would be paid off on time based on the calculations the store and credit company gave me. Fast forward that time frame and synchrony, the credit card company charged me up front all the interest not paid due to my account still having a balance by the end of the 24th months, I of course was very upset at them and rightfully so because they gave me the dollar amount to pay monthly so it would be paid off in full which apparently it wasn't enough so on XX/XX/XXXX they added all the interest not paid as a due balance and even though I didn't agree with it I continued making the auto pay to now pay off the interest owed during that time frame, well fast forward to XX/XX/XXXX and I noticed that they are now charging interest as if this is a new PURCHASE eveey month they charge interest on TOP of the accelerated interest they had already charged me!! At this rate it will never be paid off!!! they are applying a very minimum amount towards the balance and I'm nowhere near paying off the original interest due to this blatant fraud. Please see attached statement where their statement of how interest is charged at the end of promotional period is extremely misleading. I have been paying under the impression that I'm just paying the interest owed from the date of purchase UNTIL the end of the promotional period. NOT that the company would charge interest on TOP of interest already owed. This is NOT a purchase balance now it is ONLY the interest accrued during the promotional period and until it ended. This is clearly a fraud being committed by this company and abusing consumers by misleading and fraudulent charging clients. I purchased a bed set for my daughter, should have been about XXXX it is now costing me over XXXX based on this fraudulent activities allowed by this company.

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 2022-08-31 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-31 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: TX

Complaint narrative:
I discovered on my credit report that there are incorrect accounts when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be corrected : ATTYGENERL XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN 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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instruction

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: CA

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020

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 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX filed an affidavit in the XXXX XXXX of deeds in XXXX, stating that XXXX XXXX  was the foreclosing mortgagee and was the note holder of the original Note ; that affidavit was fraudulent ; the Note was held by XXXX XXXX  who filed an affidavit on XX/XX/XXXX, stating that the original note is lost and they are unable to locate the note. 
In XXXX, a foreclosing entity must have the mortgage and the original note to be entitled to foreclose, which XXXX XXXX  does not have the original note because it was lost. In contradiction to the affidavit filed at the registry of deeds, XXXX XXXX  produced a fraudulent affidavit stating that they were acting as an agent on behalf of the original note holder ; that affidavit was false because the affiant retracted his statements. 
XXXX XXXX  now threatened to foreclose on my property ; they denied me a loan modification. This conduct by a XXXX XXXX  is fraudulent because they are neither an agent nor the original note 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 2022-08-31 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX with Barclays Bank and they reported that I have a XXXX late payment for the month of XXXX, XXXX  on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in XXXX. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by Barclays on XX/XX/XXXX. Barclays has yet to resolve the issue.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inquiries listed below are fraudulent TransUnion 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 non-monetary relief
Consumer complaint received 2022-08-31 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: CA

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX* Balance Owed : {$410.00} Date Opened : XX/XX/2020

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 2022-08-31 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: CA

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: AL

Complaint narrative:
The below inquiries were done without my permission. I notified Equifax that these inquiries were done without my permission. These were unauthorized XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation