vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: AL

Complaint narrative:
Went to bank to apply for loan and was shown 38 inquiries on my credit report that I have no knowledge of nor gave my consent to run my credit

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 2022-06-05 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I went into a settlement with Prosper in XXXX of XXXX. My monthly payment went from {$600.00} to {$420.00}. Since XX/XX/XXXX, I have paid the agreed-upon amount per my settlement agreement each month. The final payment was made on XX/XX/XXXX and Prosper has shown me late each month since XXXX of XXXX. I have the settlement agreement and the bank statements showing that I have never been late with this account. I have tried to get Prosper to correct this many times and they will not. I have also tried to dispute this with no help from the 3 credit bureaus.

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 2022-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act 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 a 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 2022-06-05 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: IL

Complaint narrative:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items

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 2022-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
Company repeatedly called or texted me prior to payments being due to tell me there was an upcoming payment due. I asked them not to contact me when their call was relating to an upcoming payment, and to only call if my payment was past due or if there was a problem with the account. The last time they called was on XX/XX/2022 at XXXXXXXX XXXX and became really rude when I spoke with them. The gentleman would not give me his name and when I told him not to call me with regards to payments upcoming, he cursed at me. I cursed back at him and he hung up. They had also called earlier that same day at XXXX, both times from the same number XXXX. I also believe they called at XXXX am on XX/XX/2022 from another number XXXX. They also called on XX/XX/2022 about my upcoming payment. The due date on the account is the XXXX of the month. 

Since that time I have not received a billing statement from them. I went online to ask to have the billing statements emailed to me, and received a confirmation email saying I made that change to my account, but still no emails or billing statements have been received. I have never been late on any payment on this account and until the rude behavior and cursing incident, have always paid more than the amount showing due. Since that time, I have only paid the minimum amount due.

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 2022-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I applied for a forbearance due to COVID-19. I was approved, and my forbearance ended on XX/XX/XXXX. However, Mr Cooper ( the mortgage company ) called me at the beginning of XX/XX/XXXX, to ask if I was still having problems with resuming payments ( I stated yes ) and they said they would give me a few options to assist for XX/XX/XXXX. I explained to the lady that I was driving and could not write down the various options she offered. So, she said she would mail the papers to me ( and that I would not need to provide any additional documentation ). About 2 weeks later, I received a phone call from Mr Cooper asking if I received the paperwork, and also said I needed to make an appointment for a notary to come to my home to have me sign the papers and return them. I told they lady at that time, I had not received any papers. She said they were coming from XXXX or XXXX ( with a tracking number ) and I should receive them in the next few days. 

On XX/XX/XXXX, I received the papers. After reviewing them, I was very upset!!! Mr Cooper is NOT offering a variety of assistance! They only sent modification papers which are making me START over with a 30-year loan, with a HIGHER interest rate, HIGHER monthly payment, and the total sale price is MUCH HIGHER than my original closing amount in XX/XX/XXXX!!! I will NOT be taken advantage of! If I couldn't pay $ XXXX per month ... how do they expect me to pay over {$1600.00} per month and my household 's finances and/or situations have not improved SINCE COVID??? I also, explained that my dad ( who was a Veteran ) died of XXXX and I have the death certificate as verification!! I have verification my husband and & I were terminated from our jobs and we both were denied Unemployment. They REFUSED to give me any other option, and although I told them the lady initially called me stating I had more than one option, they keep saying I do not! That this is HIGHER modification is my ONLY option!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Now its the third week when I am traveling, I am out of the US, and will be for the following month. 
So today I opened my email and saw dozens of emails from XXXX XXXX  and XXXX that something has changed in my credit report. That change is two hard inquiries that I have never done, as I am not in the city. 

The report shows that there were two hard inquiries on the XXXX of XX/XX/2022, one of them from CAPITAL ONE AUTO FINANCE and the second one from XXXX XXXX XXXX ( bank ). I have it on XXXX and XXXX. Thats what my XXXX app shows. Unfortunately, I cant open the XXXX app abroad, I only can see emails from them. Also, I cant call the banks, they didnt pick up. 

And also today I got a notification from XXXX about identity verification. They usually do it when you call them and try to get your debit or credit card info. I didnt call them so I correlate that notification with that fake inquiries. 

I assume that its an identity thief trying to get as much as he can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: AL

Complaint narrative:
Went to bank to apply for loan and was shown 38 inquiries on my credit report that I have no knowledge of nor gave my consent to run my credit

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 2022-06-05 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: AL

Complaint narrative:
Went to bank to apply for loan and was shown 38 inquiries on my credit report that I have no knowledge of nor gave my consent to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: NY

Complaint narrative:
Experian must not furnish inaccurate consumer information on a consumers report.Experian must investigate a consumers dispute that the furnished information is inaccurate or incomplete.Provisions of Section 623 of the FCRA including the duty to provide accurate information.

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 2022-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022 I received an increase by Capital One without requesting it. The problem I have is I have an excellent credit score and Capital One raise my APR to a high 27.24 %. I believe this is a discriminatory practice based on my race. My increase was based on my credit score and this high apr doesn't make since. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: PA

Complaint narrative:
Mailed dispute letter to Equifax on XXXX. As of today never received any correspondence or notice of dispute from Equifax. I disputes unauthorized inquiries in my credit file. Moreover, filed dispute with all the furnishers of the unauthorized inquiries and I have not received any correspondence or notice of dispute being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I received several notification alerts to my phone of transactions being made that I did not authorize. Someone stole my card and information and charged over XXXX in a matter of minutes. While I was on the phone with a customer service rep to dispute the transactions my card was continuing to be used until I was in a negative balance and pin declined at the last location. I explained to customer service that I am the only person in possession of my PIN number so this was proof that each transaction was fraudulent. I was advised that a provisional credit would be given while under investigation and after a couple of days I received an email stating my claim was denied and the credits will be reversed. I continued to call and email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining why I disagree with their decision and would like to appeal. I continue to get generic responses and the decision was not correct based on previous transactions they would have saw that I live in XXXX XXXX Nevada and these transactions were made in California which I was not in the vicinity. I explained to customer service that my direct deposit has been taken as well due to the reversed credits making my account negative. I am unable to pay my bills due to this issue and I have also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
On XX/XX/22, I received a collections notice in the mail from FBCS. On XX/XX/22 I replied to the letter with a certified letter to FBCS ( Collection agency ) requesting a debt validation for a collections notice that I received for an electric bill on behalf of XXXX XXXX XXXX. I notified FBCS that this account does not belong to me nor have I ever conducted business or held an account with XXXX XXXX XXXX nor FBCS. I requested verification/validation of the alleged debt and specifically requested a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. FBCS did not provide the requested information. Instead they sent a response stating that I needed to complete identity theft and affidavit forms. FBCS did not comply with my request for debt validation which is a violation of the FDCPA. 
On XX/XX/22 at XXXX I spoke with XXXX XXXX XXXX XXXX XXXX ( original creditor ) to inquire about the collections notice that I received for a bill in the amount of {$260.00}. I explained to XXXX that the name on the letter is not my legal name and that this is not my bill. I also let her know that I have never lived at the alleged address that the bill is for, nor have I ever had an account with XXXX XXXX XXXX. XXXX confirmed that the social security number that is on file does not match mine and she confirmed that this is not my bill. XXXX stated that when the skip tracing was done that my contact information XXXX have mistakenly been mixed up with the person who the bill belongs to. I expressed my concern about receiving a collections notice and she told me to disregard the collections notice since the bill is not my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, and also date of last payment. This grounds for removal. 

These Accounts include : XXXX XXXX XXXX  and account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.

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 2022-06-05 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: FL

Complaint narrative:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, and also date of last payment. This grounds for removal. 

These Accounts include : XXXX XXXX XXXX and account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.

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 2022-06-05 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: AL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX 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 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 2022-06-05 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: AL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX and account # XXXX XXXX XXXX  and Account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX and Transunion where they stated that my account is verified and also there is a copy of my recent credit report showing inaccuracies.

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