vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: GA

Complaint narrative:
In my complaint ID # XXXX for Experian on XX/XX/2022 I received my dispute results via email from this company. One in particular account for XXXX XXXX I disputed the Information they were reporting is incorrect. Experian sent me a email showing their Information was validated and in fact correct.This is just one account of MANY MORE their NOT verifiying. Experian is not in compliance with the CFPB ands CLEARLY HAS VIOLATED MY RIGHTS. This has caused me a financial burden, denial of credit and mental stress. In accordance with the Fair Credit Reporting Act XXXX account # XXXXand others mentioned compliant ID XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish account without any 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 2022-06-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
According to the Fcra once an account are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. 

LVNV Funding LLC # xxxxxxxxxxxx XXXX has a past due amount listed on the account with all 3 credit bureaus which is incorrect reporting please see proof of inaccuracies in the photos I have included They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer 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 1681 section 602 A. States I have the right to privacy.

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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: OK

Complaint narrative:
I signed up for a " XXXX XXXX '' offer within the XXXX XXXX XXXX/NetSpend ) app on XX/XX/2022 and made qualifying purchases on XX/XX/2022. I didn't received the incentive within the stated 14 business days. 

When I called XXXX/XXXX/NetSpend, I spoke with numerous support team members who told me that this offer does not exist, or was not through XXXX, or some other variation of that.

Nobody on the XXXX phone support team is even remotely familiar with their app or offers. They are just an outsourced overseas call center. There is no way to reach people who work at XXXX  to provide screenshots or proof that the offer exists or that I met the requirements. I have proof of the offer via timestamped screenshots and proof from the merchant that I made qualifying payments.

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 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NE

Complaint narrative:
I've spoken to Credence several times about my financial situation yet they continue to contact me daily from several different numbers ( XXXX. ) On XX/XX/XXXX I was in contact with them stating I wouldn't be able to pay until XXXX. Several times they'd stated if I didn't pay they'd go ahead and harm my credit. Along with this they also continued to call after making an agreement that I'd pay the full balance in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
GM Financial XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, GM Financial, 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.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed Equifax disputes at the end of XX/XX/XXXX certified mail since each time they pretend to not receive my letters. Equifax has now added payment history and late payments to collection accounts from XXXX which goes against FCRA and also cause me to be denied credit. When I called them, the automated systems keeps telling me they can't find me although I provide the info that matches exactly what they have. Also the representatives hung up on me and one even transferred for me to equifax XXXX in the middle of me speaking mind you I am in the USA and called the USA line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Capital One '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. 
I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having problem with Experian Credit reporting agency. 
I am filing again because I strongly disagree what is only in Experian showing late payment on my Closed - Mortgage with XXXX. This Account closed on XX/XX/XXXX. 

When covid started back at the beginning of the year in XXXX, I reach out to my lender XXXX and was granted Forebearance. My work office in XXXX was closed down due to covid this was mandatory and affected all employee in my office and my jobs, while I learned to work remotely from home. 

I should not be showing any late payment for the year of XXXX, because I was granted Forebearance with XXXX. I have no late payment in XXXX and XXXX with XXXX on my mortgage. 

Only problem is totally at Experian, showing me with late payment in XXXX XXXX in XXXX. Under the Forebearance that the President signed back in XXXX President Trump sign into Law to help struggling homeowners. My Lender XXXX helped all homeowners who had problems with covid and jobs and health was affected. 

Under forebearance... no late or missed payment shall be reported to any of the 3 reporting credit agency. -- -- Yet there it is... .under Experian,,,,, I am being reported. 
I am requesting -- -- my credit report -- -only Experian... .remove those late payment for the year XXXX under XXXX. I was under forebearance. 

Also I need to show a Final payment was made on XX/XX/XXXX,,, ,to close my Mortgage with XXXX. All the payment for my Mortgage got caught up and paid in Full on XX/XX/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 explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX was my electric utility in my old house, due to divorce the house was being foreclosed on before the foreclosure i moved and relinquished the house to the bank. I moved and 1 1/2 hours away and placed a change of address. My bill was paid in full at the time that i moved and closed the account. The bank owned the property as of XX/XX/2017 and i never received anything from XXXXXXXX XXXX XXXX at my new address showing any bill otherwise i would have contacted them back in 2017 now a collection agency has posted a collection on my credit report that is not mine.

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 2022-06-03 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: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2021 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 2022-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I need to see video of my Tuesday, XX/XX/2022 visit from XXXX XXXX  to XXXX XXXX at the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX. I made a deposit but the teller unusually asked for my ID and I explained I was making a deposit because Chase removed ( stole ) my account online without notice claiming it was inactive. The teller asked me to wait and unnecessarily instructed me to see the banker. The banker said the account was still dormant despite the deposit and unnecessarily instructed me to blindly enter my social security number in the computer even though she already had my ID and deposit slip and I mentioned I had my Chase credit card and bank statements with me!!! My ID and bank statements may have been compromised as they were exposed for an extended period of time and the banker left the office while I was messaging Chase on my phone. She even asked me if I work in the area and if I work at home!! Both the banker and the branch manager refused to provide a printed confirmation!!!! 

Since the deposit slip didn't include the balance, I asked for the balance but the teller gave the balances for my other accounts instead of the one I asked for and it didn't even include the prior balance before the deposit!!!! 

Chase stole my account without any notice but thankfully I noticed this savings account wasn't appearing on my online accounts though Chase still hasn't apologized, explained, compensated, ensured the security of my accounts!!!! Chase even further aggravated and forced me to jeopardize my health, safety, privacy, security in addition to my ID, accounts, and all with time and energy I don't have!!!!

Please note their fraudulent practices include withholding their company name so I have no idea whether it is JP Morgan Chase or Criminal Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: HUNTINGTON NATIONAL BANK, THE
State: NH

Complaint narrative:
Huntington National Bank  XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Huntington National Bank, 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.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, 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.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-06-03 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, 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.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, 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.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-06-03 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:
AS USUAL YOU TOOK THE COMPANY 'S RESPONSE AND DID NOT REVIEW IT. THEY SENT A BUNCH OF XXXX XXXX XXXX XXXX AND DID NOT ANSWERE MY QUESTION. WHAT THEY SAID WAS JUST A CANNED ANSWER. MY INFORMATION DID NOT CHANGE ENOUGH DURING THE 3 MONTHS INVOLVED TO MAKE AN EXACT CHANGE OF XXXX POUNTS EACH MONTH FOR 3 MONTHS. 

I WILL ASK THE QUESTION I ALWAYS ASK. WHAT DO YOU DO OTHER THAN RUBBER STAMP THE COMPANY REPLY EVEN WHEN IT HAS NOTHING TO DO WITH THE QUESTION? 

THE ORIGINAL COMPLAINT WHICH WAS NEVER ANSWERED : MY CREDIT SCORE WITH EXPERIAN WENT DOWN, UP, THEN DOWN EXACTLY XXXX POINTS EACH MONTH. I CALLED THE NUMBER SHOWN ON XX/XX/XXXX TO FIND OUT WHY AND SPOKE TO XXXX. HE TOLD ME THEY CAN'T GIVE ME THAT INFORMATION AND THAT I NEED TO HIRE A FINANCIAL ADVISOR TO FIND OUT WHY MY SCORE WENT UP AND DOWN EXACTLY XXXX POINTS EACH MONTH.

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 2022-06-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I purchased a XXXX XXXX XXXX at Car Mart in XXXX, MO and have tried to get the interest rate adjusted under SCRA to 6 % as this purchase was pre service. I spoke with the Finance Manager on the XXXX of XX/XX/XXXX while with my Financial Counselor, and they stated that they were going to reach out to their headquarters for more information regarding SCRA benefits and they would contact me. It has been over a week now and still no resolution to my request. I do not understand why it it taking so long for their response. This is a Federal law which is very clear.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation