vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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: NY

Complaint narrative:
I have a debit card that I was initially making all payments on my capital one account. That debit card was a XXXX XXXX then I upgraded my account and received a new XXXX XXXX. Those two accounts are connected on the app for my payment. I also have a XXXX XXXX account. The first payment I made was with the account number of my first XXXX account, it was not active so It bounced. When I realized I selected the wrong account I went ahead and made another payment for {$490.00}. ( Remaining balance ) I didnt realize and they never let me know what the issue was until I called them after making my second payment inquiring why my second payment was not going through, ). I must have accidentally hit the same card or an inactive card again. Which was my fault. But it bounced again. My minimum payment was due XX/XX/XXXX, which is today. I went over to make the ( {$200.00} ) payment on the phone with my XXXX because for some reason my XXXX isnt working, and they closed my accountS : I dont want this effecting my credit score because I am trying to build it and it was an honest mistake. I still made a {$200.00} payment from my XXXX account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: IL

Complaint narrative:
I did not open XXXX XXXX account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX  and 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 2022-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
When I filed a dispute with XXXX, they sent me a letter back on XX/XX/2021 stating that they needed additional information from me to verify my loan with them. The loans are closed and should not be on my credit report at all. I included the amounts in the dispute letter to them and my information and it is still on my credit report. They stated that my letter was considered frivolous and irrelevant under the Fair Credit Reporting Act.

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 2022-10-29 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
When I filed a dispute with XXXX, they sent me a letter back on XX/XX/2021 stating that they needed additional information from me to verify my loan with them. The loans are closed and should not be on my credit report at all. I included the amounts in the dispute letter to them and my information and it is still on my credit report. They stated that my letter was considered frivolous and irrelevant under the Fair Credit Reporting Act.

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 2022-10-29 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:
My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.

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 2022-10-29 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 2022-10-29 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: CA

Complaint narrative:
I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2022-10-29 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: SC

Complaint narrative:
XXXX XXXX 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 2022-10-29 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:
See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted

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 2022-10-29 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: IL

Complaint narrative:
I did not open XXXX XXXX account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: IL

Complaint narrative:
I did not open XXXX XXXX  account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX  and XXXX XXXXXXXX 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 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
DEBT DISPUTE Claimed Debt of {$800.00} ; for lease with XXXX XXXX XXXX ; ( incurred date undefined ) The debt claim that was issued is not my debt. 

On XX/XX/2022 - XXXX mailed a XXXX certified termination of lease letter to XXXX XXXX XXXX ( receipt confirmed by email by XXXX XXXX XXXX XXXX On XX/XX/2022 The apartment was fully evacuated in non damaged condition ( as confirmed by XXXX XXXXXXXX XXXX  by letter. ) On XX/XX/2022 documents were hand delivered/legally served to the property XXXX XXXX XXXX XXXX by Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A Copy of the Termination of Lease Expert Laboratory Results of the presence of Mold in the living space A final invoice defining the balance XXXX XXXX XXXX owed to me To date, XXXX XXXX XXXX still owes me a balance of {$220.00} reimbursement from my security deposit. 

Please note the following deceptive practices of the XXXX XXXX XXXX staff : On multiple dates XXXX XXXX XXXX stated varying amounts that they claimed were due. They, however, never disputed nor responded to the Final Invoice served to them, issued on XX/XX/2022. On which they owe me the above stated reimbursement balance of {$220.00}. 

On XX/XX/2022 I received from XXXX XXXX XXXX an invalid, unfiled, partial court form from the State of Michigan ( Demand for Possession Non Payment of Rent Form XXXX ) after receiving the property manager a receipt for the full balance of XXXX Rent on XX/XX/2022 in person and with witnesses ). This was presumed to be a scare tactic after I had a professional mold inspector come into the apartment to prove the presence of XXXX mold, that they refused to remediate, to terminate the lease. 

PLEASE NOTE : In that document XXXX XXXX XXXX claimed a DIFFERENT fictitious balance that they stated I owed even though they were still in possession of my XXXX payment check, that they received, accepted and issued receipt for in person. 

I have full records of lies and false practices for XXXX XXXX XXXX going back years ( repeated email communications with them about repairs needed that were input into their online service system, with reference numbers and photos - that were never completed. As well as damage done to my personal property that I was never reimbursed for. )

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 2022-10-29 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}

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 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I have an active loan with OneMain Financial dating back to XX/XX/2021. I have been making payments on the loan every month since then. However, I have huge regrets taking out this loan and dealing with this company. Going back to XXXX this year I have been hit with repeated phone calls hounding me trying to collect money. I am doing everything in my power to repay this loan but that is harassment what they are doing. The final straw for me is when they called my phone today, a weekend morning. Any other creditor I have dealt with has never made harassing phone calls. If anything they communicate with me through email. I have call logs to back OneMain 's ridiculous amounts of calls they have made to me over the last few months. It's bad enough that my balance with them is hardly going down after making monthly installments, but that's a whole another issue. I have every intention to pay this loan off to the best of my ability but the nagging calls have got to stop. Thanks for taking the time out to address this issue and have a great weekend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 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: SC

Complaint narrative:
XXXX XXXX XXXX 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 2022-10-29 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: SC

Complaint narrative:
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, around XXXX, Chase Bank restricted my accounts ( both checking and savings ) and informed me that they will close my account soon, but did not provide any reasons for that. The specialist told me that we after the account is officially closed, they will send me the check for the funds in my account in 12-15 business days. 

On XX/XX/XXXX, my accounts were officially closed. Since the official closure, I made numerous phone calls to Chase Bank, and the information provided by the specialist is not consistent and makes them untrustworthy. It has been for 16 business days and 23 calendar days since then, I made a phone call to check the updates yesterday, the specialist replied that they were still reviewing my funds and could not provide a specific date when they could finish the work. 

It cause serious inconvenience to my life, and they still continue to delay the date of sending me the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
XXXX hit XX/XX/XXXX, I applied for forbearance on my mortgage and it got approved for a year. I became unemployed due to the pandemic. A year went by and I applied for an extension of 3 months which was approved. After my first extension, XXXX, the lender lost communication with me, didnt tell me that I have to fill out another loss mitigation packet to receive additional time. Im still unemployed at this time with no hope in sight for income. Finally get another job XX/XX/XXXX and making regular payments again XXXX XXXX XXXX. Come XXXX I was informed that my mortgage had been transferred to the foreclosure department of XXXX. I had found out also by calling in to make a monthly payment too, its not like XXXX had reached out to inform me of all this. I asked how come and they said that the deferred payments of the forebearance agreements werent paid on time. I said that if your communication was better between us this wouldnt have happened because I didnt know the arrangement was to pay in full the deferred payments and by the way the property is for sale and set to close XX/XX/XXXX. A foreclosure attorney was hired by XXXX XX/XX/XXXX and now is showing on my credit report as foreclosured upon even though, I paid off all loans and attorney fees. I DONT feel as if I deserve the derogatory remark on my credit report simply because I lost my job and livelihood from the Covid pandemic and did everything I could to get my life back to normal

Company response to consumer: Closed with explanation