vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : It also states 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : It also states 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : It also states 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-20 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: PA

Complaint narrative:
XX/XX/2022 I sent Transunion, XXXX and XXXX XXXX return receipt letters demanding removal of accounts because they are not % XXXX accurate, verifiable and timely I have the right to challenge pursuant to Pursuant to 15 U.S.C. Section 1681i ( a ) From my understanding if they can not provide proof of the original contract, if it is not 100 percent accurate and timely reported within 30 days these accounts must be deleted. 

The accounts below have not been deleted and are inaccurate and I have also noticed that information has been added reporting a wrong name and address that I have no affiliation to and none of the information is correct with all credit bureaus. 

XXXX XXXX XXXX XXXX HAS NEVER BEEN MY ADDRESS XXXX XXXX IS NOT MY NAME XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX {$0.00} balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$920.00} and XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX GA XXXX {$680.00} XXXX  XXXX XXXX XXXX, XXXX, FL XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$350.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NV XXXX {$850.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX {$1400.00} I demand the following accounts, addresses and names be verified or removed immediately .

I also want an updated credit file, who accessed my credit file, the results of the investigation all mailed back to the correct address. 

Please remove all accounts because they are still not accurate pursuant to 15 U.S. Code 1681g and 15 U.S.C. Section 1681i ( a ).

Thank you, 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 2023-03-20 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am being billed for a charge that i never charged products on. I have never taken this credit card out and never made an purchases. I had to have been a part of identity fraud. 
NOw i am suppose to go to court over a card that i have never taken out. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: IL

Complaint narrative:
This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report for this matter and I'm asking you to remove these fraudulent posted on my report hard inquiries : XXXXXXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
THESE ITEMS MUST BE REMOVED IMMEDIATELY. 
ALSO ON MY REPORT EXPERIAN HAS LISTED WRONG ADDRESS XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX- this address is not mine. PLEASE UPDATE MY ADDRESS to current as - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of address.

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 2023-03-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I feel like my letters are being ignored so I want to seek help from CFPB and Atty General about this issue because I have been contacting your company about my credit issues. I'm gon na search for other options because I know you have violated of FCRA law for not responding on time.

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 2023-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX and usaa has miss used my money they add a new mortgage company to my bill pay never told me took funds from my account without permission send proof of notification why was this done i about to loss my behind this slick XXXX XXXX XXXXhis had to be done by XXXX XXXX and XXXXXXXX XXXX usaa took XXXX thosand form account to pay me are fundd o to and errow of theirs to date the are missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX XXXX, 2022 my bank account infrmation was hacked from outside the XXXX and XXXX Fl . I had several debits from my checking account and my 2 bank cards hacked and maxed out, I had to report this the the police, IRS, and all credit agencies immediately. I did and it was a long process to have the accounts closed and then my bank account reissue me a new ID and replace my funds ( close to {$30000.00} ). The XXXX fixed the problem after months of investigation and time. I immediately called Barclay 's Old Navy card to cancel, inform them that I would be able to send a check ( no online accounts or IDs available ) as soon as I get a checking account set up ) and I DID IMMEDIATELY!!! 
I explained the issue, told them to give me the balance ( {$410.00} without penalty ) and I sent the check out XX/XX/2022. I spoke to them and they did not record the call??? Don't belive them. 
I then still got billed and added fees sent. I called several times. I sent a letter stating all this again. I sent copies from the IRS and police reports of the fraud from the bank and investigation. I was told that a manager had to call me and that they could credit all but {$40.00}. This was NOT done. I called and spoke to a very rude woman last call and she read the back of the credit card statement and said she cant help. I can not log into the card on line as I cut the card and dont have the 16 digit card #. The Barclay 's staff members are just rude and nasty. 
I do not feel I should pay for having my identity stolen and having my accounts frozen because of ir. I dont feel I shoud be punished. The items I purchased were paid for and no $ $ remains due to purchases only late fees and interest on late fees ( no items ). 
I cant rightfully pay them and feel I was the victim here.

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 2023-03-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute letter 2 months ago to the credit reporting agencies regarding an account that I am not familiar with. The account I disputed was XXXX XXXX XXXX because I do not have an account with this collection agency and was never informed about a debt that I am obligated to pay. There was no response from the credit bureaus in over 60 days. I am having a hard time believing that an investigation was done. It has also been proven that I was involved in a data breach so it is very likely that my personal information was compromised. This company has not sent me any validating information such as a copy of my photo id and ssn, nor have the credit bureaus. It has been well over the time allotted, so now I am asking for the removal of this inaccurate account. I will be seeking legal action if this account is not removed within 15 days. I will attach the dispute letters that are dated, and time stamped. I will be seeking compensation for the violation of the FCRA if this is not removed immediately.

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 2023-03-20 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: OH

Complaint narrative:
After further review of my credit report and after requesting multiple investigations of the accuracy of the data. Experian has continually allowed data furnishers to report data that is not compliant with the Metro 2 Standard. The data deviates from the standard agreed upon by Experian according to the CDIA agreement, adopted in accordance with 15 USC 1681. This deviation from the Metro 2 Standard jeopardizes the integrity of the data, Experian has verified that false data is being reported accurately.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX I used the link provided by Chase to apply for their Marriott XXXX XXXX credit card in order to earn the XXXX points they are contractually obligated to provide to me via their promotional offer. I completed my contractual obligations by charging {$2000.00} to the card within a 3 month period ( in fact I did so within 3 weeks or so ). It is XX/XX/XXXX and still no bonus program points. After numerous phone calls to both XXXX and Chase..Chase who is accountable for assigning said points indicated that my XXXX XXXX card was not eligible for the points they advertised with the card, no explanation as to why And they are running the Exact Same rewards program for that card Now! I simply and rightfully want Chase to complete their contractual obligations to me as I have with them and award my XXXX XXXX account the XXXX points I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
In XXXX of XXXX, my mortgage was sold from XXXX XXXX to Mr. Cooper Mortgage. Our first automatic payment was made on XX/XX/XXXX. The following day, Mr. Cooper tried taking a 2nd payment to " ensure their were enough funds ''. They claimed that there was a " online web payment '' made by the customer ( me ). 
XX/XX/XXXX ( XXXX Bank record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} We had to call our local bank to let Mr. Cooper know that the original payment had cleared and not been returned. 

The second payment caused an overdraft fee. 

The following month, 3 more payments were deducted from our account. Mr. Cooper continues to claim that online web payments are being made and that they are not responsible. 

XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Pending Payment of {$2000.00} We have not authorized or made ANY payments to our mortgage provider ( Mr. Cooper ), outside of the Autopayment that is arrainged. 

I've now attempted to resolve the situaion on XX/XX/XXXX via telephone with Mr. Cooper, and XX/XX/XXXX via telephone where we've reached out and called XXXX Bank to resolve any issues of payments. 

I've been unsuccessful and would now like to file a complaint against Mr. Cooper after seeing that there have been multiple lawsuits against Mr. Cooper and their billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have several CapOne cards, some of which for many years, all of which I maintain in good standing. Most are {$0.00} balance, and some are used infrequently. I did miss a payment on card ending in XXXX, but when I recognized that a day or few later, I promptly paid off the entire purchase balance due from the prior statement ( i..e, more than minimum payment required ). 

I called today for a refund of the {$25.00} late fee, which CapOne policy provides for if there has not been a fee refund in a certain time period, typically one year. The supervisor I spoke with told me there has not been a late fee on this account for a long time, so she was perplexed as to why " the system '' would not allow the refund. 
This is yet another of many recent examples of CapOne removing the capability of customer service representatives to do the right thing for their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be UPDATED TO PAID AS AGREED immediately. 

Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX XXXX Account Number : XXXX Update to paid as agreed XX/XX/2023, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute letter 2 months ago to the credit reporting agencies regarding an account that I am not familiar with. The account I disputed was XXXX XXXX XXXX because I do not have an account with this collection agency and was never informed about a debt that I am obligated to pay. There was no response from the credit bureaus in over 60 days. I am having a hard time believing that an investigation was done. It has also been proven that I was involved in a data breach so it is very likely that my personal information was compromised. This company has not sent me any validating information such as a copy of my photo id and ssn, nor have the credit bureaus. It has been well over the time allotted, so now I am asking for the removal of this inaccurate account. I will be seeking legal action if this account is not removed within 15 days. I will attach the dispute letters that are dated, and time stamped. I will be seeking compensation for the violation of the FCRA if this is not removed immediately.

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