vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: KY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent my letter out certified on XX/XX/2022 they received the letter XX/XX/2022 and they had to sign to receive the letter. The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but I clearly stated not to use eOscar and there is no way they did a full investigation that consumer law states needs to be done. This ground for removal. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to 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 did not give anybody 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 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My account number is XXXX My mortgage company is committing frua.d they are charging me addition fees that I wouldn't be charged. They are charging my taxes of the incorrect amount. They paid my property taxes late and charge me the late fee and interest rate. 

Let me be very clear. 
I have contacted this mortgage. My mortgage company on XX/XX/XXXX. To date I have not even received a phone call to discuss this matter. I sent an email to them ( as requested ) advising I had a dispute and that I would be contacted. It's been 2 weeks. No call. No followup. Nothing!!! 

I had to send a complaint here just to get a response 14 days later which doesn't address any of my concerns. 

**What I want is someone who has the authority from my mortgage company to reevaluate this with me. 

**Let 's be clear. The mortgage company response only addresses. Why your charging me for {$3200.00} a month instead of {$2600.00} a month. The answer was due to {$6500.00} in taxes and then insurance of {$1700.00}. However you can not breakdown where this {$6500.00} came from. Because my annual taxes is {$3900.00}!!!! 

This is my request. 
Please call me at the number ending in XXXX to address this. 

Also.. respond here to confirm how the $ XXXX in taxes came about.i want a breakdown. And after you give me a breakdown verify it's accurate. 

Let me break it down for you. 

The end of 2021 my escrow account had an ending balance of {$2900.00}. 
My taxes from XXXX thru XXXX would of been {$2600.00}. Which I had enough escrowEnough to pay. 

The mortgage company paid {$2900.00} ( because XXXX XXXX included late fees and interest because THEY paid them late. But I am being penalized. 

So.. for my taxes of XXXX is broken down to {$3900.00} in taxes ( correct ) {$1700.00} for insurnsce ( correct ) {$2900.00} ( not correct.. since I already had a balance of {$2900.00} in escrow for the 2021 year ) The charges of {$2900.00} is incorrect!!! And I would like someone not to tell me where the $ XXXX in escrow cane from but to review and confirm. That taxes you applied to my account is accurate which it is not. Why would you charge me for {$2900.00} when part is late fees and interest AND the rest I already had in my escrow account. 

INSTEAD I SHOULD BE CHARGED {$3900.00} and XXXX only. Which by XXXX XXXX in escrow monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
Experian is reporting a public record of bankruptcy on my report. I have ask this company to verify their accurate information. They have refused to send me verification of the information to explain this belongs to me. They keep reopening my case of dispute and keeping the information on file as verified and closing the dispute. I have sent them paperwork notifying them that these other companies plus the courthouse does not give out the information. So who are they getting this information from. Because they cant explain it to me nor verify it. This needs to be deleted ASAP. This is against the law and it also blemishing my character. I am tired of fighting with Experian and the automatic system that sends back verified and remains on my credit. This is not acceptable. This needs 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 explanation
Consumer complaint received 2022-04-15 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: MO

Complaint narrative:
In accordance with the fair credit reporting XXXXXXXX XXXX XXXX account number XXXX XXXX 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 2022-04-15 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: MO

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX XXXX account number XXXX XXXX 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 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiry XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX Capital One Bank ( USA ) N.A. filed a claim in XXXX XXXX court. On XXXX I was severed a court summons about an alleged debt in the amount of {$2600.00}. This account is closed and has been charged off. Capital One didn't send me a 1099c which is taxable income per the IRS. It's a violation and tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TN

Complaint narrative:
XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A dispute was mailed experian certified in order remove the fraud alert on my report. I included my license and a copy of a bill as stated on their form i had to print out in order to remove the alert. On the XXXX i received a letter from them requesting the same information i had sent in prior. This time it states that it needs my dob, social and address in order to remove it. That was odd because my address and dob is already on my license. On the XXXX i received an email saying the alert had been removed. 
It directed me to their site to put in the report info in order to retrieve it in which i did. Upon looking at i noticed that the fraud alert statement was still there.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The amount is XXXX was open fraudulently, I reported this with the company and the account was closed. in XX/XX/2020, I had this remove from my credit report and this items keeps coming back on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NC

Complaint narrative:
according to the Fair Credit Reporting act experian 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. 

In other words experian needs my permission, the accounts i would like removed are listed below XXXX Account. XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Inquiry date : 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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth Third bank terminated all of my accounts in XXXX of 2021. 

I had called in with a transaction dispute concerning my debit card connected to my checking account. I explained a merchant had charged my card without authorization. 

I received a call back a few hours after submitting the dispute. I was told that they could not give any information, that all my accounts were closed. 
I called back a little while later to let them know I contacted the merchant and they were going to refund the transaction. Who ever I spoke with then said something did not seem right, and that they would call me back later after checking into the situation. I missed that call, it was around XXXX in the evening. 
I had no access to my accounts for about 5 days. I had been a customer for over 20 years. I had savings accounts, checking accounts, business account, and credit card account. 
I also had a previous dispute with my credit card account. I received a provisional credit, but that was reversed and charged back to my account. I am still disputing this. The charge was for a XXXX XXXX channel that a company was building for me. I never did receive the channel. 
After they charged my account again, they lowered my credit limit. 

Now my credit score has lowered significantly. Credit utilization for the account shows over 160 %. 

Also, after closing my accounts, they allowed auto payments to continue, so my account ended up in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
This amount was paid when I switched from my personal account to my business account. This amount that is trying to be collected should never be a debt. I still have current running service paid monthly on time with company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: TN

Complaint narrative:
XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TN

Complaint narrative:
XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

XXXX5 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 2022-04-15 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2022, {$790.00} I disputed a charge that was originally cancelled and got charged again for {$790.00} since then I filed a dispute with my bank as well as sent out a message to the seller who since blocked me on all of her platform. Paypal sided with the seller when its clearly i got scammed by the seller. This purchase was a educational group where you pay a subscription to enroll and I am not in the group which i paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: IA

Complaint narrative:
My credit score plunged today XXXX pounts to XXXX on my Equifax account ONLY. There is no information on the Equifax report that indicates the reason for this plunge. They have previously attempted to find out what is causing such a low score but there is no information on my credit report to indicate any source of trouble. Most of my other FICO scores are in the high XXXX or above XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This the XXXX report filed since XXXX. I mailed a certified letter asking experian to not include addresses with the exception of what's on my driver 's license. I also asked them to remove names that i do not go by in real life because my personal information has been stolen. The updated report below shows that it hasn't been removed. The information contained within my report is inaccurate. FCRA states that i have a right to privacy and experian is in violation for refusal to remove.

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 2022-04-15 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: CA

Complaint narrative:
( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( 3 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( 3 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX 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 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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I had someone try to open credit in my name and that produced hard inquiries into my account. I flagged those as fraud with Equifax and with less than XXXX they said they were valid inquiries even with a fraud alert on my credit. The did no due diligence and said that the information will stay on my credit record even though they did no effort to contact me or to see that there were multiple hard inquiries in a short time frame ( which is not the normal for my XXXX credit score ).

Company response to consumer: Closed with explanation