vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: GA

Complaint narrative:
A letter was sent to Experian on XX/XX/2022. To date, I have not received a response from them regarding my request for a thorough investigation of several accounts being reported on my credit report. It is my understanding that Experian is in direct violation of my rights to receive a thorough investigation within 30 days of requesting.

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 2023-01-10 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:
( This is a continuation of complaint # XXXX ) This is a follow up on the detailed complaint, since your companies response I have continued to request the nature of the accounts validation to be provided. During this process I was notified that a series of letters I had submitted were " thrown away '' ( Recorded call early XXXX ). These inaccuracies and your companies unwillingness to thoroughly vet these accounts has put unbearable strain on my financial health and is now in violation of my fair credit reporting rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00}

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 explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company midland credit management has contacted me about a debt that does not belong to me after telling them multiple times they have the wrong person and not to contact me anynore they continue to call and when I answer they stay silent and then hang up. They keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have Chime. My debit card was compromised so they cancelled it and were supposed to send out a new one within 10 days. It has been well over XXXX weeks and it still has not arrived! They sent me a virtual card which cant be used to get money orders so when my rent was due, I had to cash app the money to my daughter which charged me a fee and had to deposit it into a new bank account I had to open with a new bank. Because of all this, I was also late paying my rent and have been charged a late fee because rent was late. I tried contacting Chime via chat. They asked if my address was correct which its been the same since I opened my account with them. During the chat I realized that it was not a live person I was chatting with but a computer generated chat! I am getting rid of Chime completely after this nonsense but I still want to hold them accountable so that this does not happen to other people. I have spoken to several people that have Chime also and they claim that they also have to wait longer than the 10 days to receive a replacement card. It took forever to get my first cards. Its unacceptable! To deposit money into your chime account, you have to go to a XXXX XXXX  or other approved location and PAY to add money to your account. EXAMPLE : I have a bill due and its {$100.00}, I want to pay through my online so i go to deposit money to my account. I would pay the obvious {$100.00} deposit and then a fee for depositing that cash into my checking account! If you dont have it direct deposited, you get charged a fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter from XXXX XXXX XXXX Department to remove an inquiry dated XXXX XXXX 2021. XXXX contacted Equifax to remove the inquiry and they still will not remove the inquiry. The company that mistakenly made the inquiry asked them to remove it and they willfully will not remove it. Also, Equifax did not contact me after 30 days and never sent me the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NJ

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING i sent TWO certified leftters already asking for proof that these accounts are mine only thing they send back is that that they have updated the information and all accounts are verified both XXXX and experian are ignoring my request for proof that these accounts are actully mine. Also keep reporting inaccurate information from account opened dates till the actual account number and more. I attached most resent results they continue to keep sending me after keep waiting 30-45 days for them to finish with results. Both letters i sent copy off my drivers license and social security card and got it notarized but keep asking me to send it over and over. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified with NO PROOF of VERIFICATION items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly but never showed who verified these accounts? You have NOT provided me a copy of ANY original documentation of contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. These accounts again I ask to be deleted immediately from my report XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Transunion has misinformation about half of all my credit cards. looks like theyve gotten mixed up with which credit cards are which. ive asked to increase my credit limits on some cards and because Transunion has the wrong info on my credit report i dont get the increases as i should.

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 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC
State: DE

Complaint narrative:
I took a {$400.00} payday loan out for bills during XXXX. I have been unable to pay back due to ongoing medical bills, and personal bills. The company has called my phone over XXXX time a day, and left several messages. Now theyre sending threatening emails saying if I make a payment of {$50.00} I can avoid them from processing a judgement with the local courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph 3, the term consumer report does not include- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer report, and I noticed that it is reporting my Experience Capital One.

The line of credit balance I have with Capital One, which is characterized as utilization on my consumer report. 
THE DEFINITION OF CREDIT CARD UTILIZATION IS THE BALANCE OF WHAT I OWE FROM THE TRANSACTIONS I MADE SO PLEASE DO NOT CLOSE MY ACCOUNT AND PLEASE DO NOT DELETE MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Loan from XXXX XXXX XXXX XXXX : Loan originated in XXXX of XXXX for approximately {$35000.00} rate of 3 % for 60 months I set up auto payments shortly there after, I included a small amount extra in the payment to be included in the principal to pay the loan off faster. 

I noticed that the extra I was paying was NOT being applied to the principal as I requested. I called on XX/XX/XXXX to try and straighten this out. The reps at XXXX XXXX alleged that they could not apply the extra with out a phone call to implement a manual process. So they were making it intentionally difficult to pay a loan off early? I resigned myself to not being able to fight a large company, and told them to go ahead and apply the extra money I had paid to the principal. I was told this was done and I would receive an email/notice of some sort. 

As far as I can tell nothing happened. No notice, no extra paid down on the loan. I called again today on XX/XX/XXXX with the same issue. I would like to know how I am unable to pay this loan down. I do not understand why the process was difficult it is all simple math and is in no way complicated, unless by design of XXXX XXXX XXXX XXXX. The reps gave me generally the same story that I could not pay any extra principal on the loan without a phone call and manual process. However this was ONLY available to the past 3 months of over payments. I said yes please apply the principal but I insisted on some sort of notice in writing that this was being done. The flat out refused to give me any notification. I got " service numbers '' which mean nothing to me. I would like to see something in writing that my transaction is being processes, and carried out. I have zero way of knowing if XXXX XXXX will keep their word or simply get lost in their bureaucracy. I asked to escalated to someone who could give me some sort of notice. I spoke to " XXXX '' and I was met with refusal. 

( Service numbers provided by XXXX XXXX : XXXX XXXX XXXX ) No one would identify themselves to me, I had no way of knowing who I was talking to or what actions to take next if my money was not being spent according to my wishes. 

I would love to have a conversation with someone knowledgeable on the subject. I also find it unethical that a company can make paying off a loan so difficult for consumers. 

Thank you 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 explanation
Consumer complaint received 2023-01-10 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: IL

Complaint narrative:
This company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including XXXX '' TO PAID AS AGREED NO LATE PAYMENTS SEC. 4021. CREDIT PROTECTION DURING COVID19.

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 2023-01-10 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: IL

Complaint narrative:
This company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including XXXX '' TO PAID AS AGREED NO LATE PAYMENTS SEC. 4021. CREDIT PROTECTION DURING COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
My mortgage was purchased by another company " Carrington Mortgage '' who purchased it from XXXX XXXX. I received my last mortgage statement from " XXXX XXXX, '' in early XXXX stating that I have a refund. After calling XXXX ' XXXX ( XXXX ) to speak with them about the refund, the animated machine didn't give me the option to speak with a representative and said to call the new mortgage company " Carrington Mortgage '' about any further transactions or any questions. I contacted the new mortgage company " Carrington Mortgage '' to inquire about the refund and after getting through to a representative and verifying my information, the representative had no knowledge about any refund, did not have the same statement I have. They put me on hold and after 10 min the hung up. I called again and after navigating the automated menus, I got a representative who hung up on me again. I called again for the third time and spoke with another different representative who said the check should of been sent out a long time ago but seemed confused and put me on hold for over 55 min, and nothing was resolved. I called for the forth time expressing my concerns for the poor services and no call backs. I explained again I have a statement the says there is a refund but I have not received any refunds. The gentleman claimed his system did not show any refunds nor did they have any statements from XX/XX/2022. I was put on hold again and hung up on. Nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: WI

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 2018 XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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. Account isn't 49 days past 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 non-monetary relief
Consumer complaint received 2023-01-10 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
This company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. I am suffering because of this. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including Navient '' TO PAID AS AGREED NO LATE PAYMENTS SEC. XXXX CREDIT PROTECTION DURING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: OH

Complaint narrative:
There is a mortgage account being reported on my credit report by XXXX, TransUnion, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.

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 2023-01-10 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: OH

Complaint narrative:
There is a mortgage account being reported on my credit report by Equifax, XXXX, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
There is a mortgage account being reported on my credit report by XXXX, XXXX, and Experian that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the accounts in quest with TransUnion and requested that a XXXX of XXXX as to how they determined the accuracy of the said accounts. Unfortunately, TransUnion has failed to respond to my queries repeatedly and I am forced to report to the CFPB as a last means of resort since they have ignored all my request. As my letter stated I am expecting that they provide a detailed response and not a generic response to my dispute. I have also included the past letters complete with receipt of mail sent via certified mail. Additionally, I have included a screenshot of the online portal that shows in their system that a dispute sent since XXXX was still pending in XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief