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

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 explanation
Consumer complaint received 2022-10-10 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: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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

Complaint narrative:
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 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 2022-10-10 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I requested a freeze on my Innovis report, and was denied and asked for more information. Innovis violated my consumer rights first by reporting my personal information without my written permission, which is a FCRA violation, then when asked not to report my information they didn't comply. Unless you have a contract between you and myself given you permissible purpose to furnish my personal information, then freeze my account.

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX 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 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 2022-10-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

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

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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 2022-10-10 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: TX

Complaint narrative:
Since this is not the first time I contacted the bureaus ( XXXX, XXXX and Equifax ) via phone, online and mail to concerning inconsistencies reporting across all XXXX bureaus on my credit report. 
I have highlighted the items I disputed on the enclosed copies of the reports I received from XXXX different credit monitoring agencies. 
It is my understanding that you will investigate all the items I have highlighted to ensure accuracy and delete the inaccurate information. XXXX are held to authenticate that they're correct to report deficient and erroneously of evident compliance of factual reporting particularly in relations to correct mandatory processes of lawful reporting obligatory complete XXXX formatted compliance of reporting standards. This is not an option. This is violation of my consumer rights. 

Please produce undeniable documented certified proof of claims and the claim 's reporting processes and format complaint status or else stop reporting said claim. 

Please provide me with an update credit report once this process is complete. 
I appreciate your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX, I fully paid my Lowes Advantage Card in the amount of {$200.00}, as posted on my XXXX XXXX XXXX. In mid XX/XX/XXXX, about 4 1/2 months after I fully paid my Lowes Advantage Card , Synchrony Bank started emailing me, calling my phones, sending paper bill statements, including downgrading my credit score to collect the amount stated above. 

I attempted to dispute this {$200.00} amount several times as Synchrony Bank advised through their customer service but they never stop trying to collect the bill which I dont owe as I have been fully paid. 

I have sent proof of payment to different addresses their Synchrony Bank customer service gave me after believing, understanding the confusion they have made. XXXX spoke with her on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, all of them agreed with me and made a note or clearance for the disputed amount of {$200.00}. It was the XXXX XXXX discount that was not deducted from Synchronys posting. The XXXX XXXX is XXXX discount for cash purchases but I decided to close it because of its inconsistency of giving discount which I have been enjoying regularly. I have sent proof of payment to the addresses they told me to send. But with all those attempts Synchrony continues to send emails, phone calls, and bill statements and tainted my credit reputation.

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 monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wrong phone number is listed and I cant seem to update it

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 2022-10-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX CCS//First Saving Bank Account number : XXXX XXXX Bank Account Number : XXXX Premier Bank Account XXXX Account Number : XXXX XXXX Progress Account Number : XXXX XXXX Account Number : XXXX Credit XXXX Bank Account XXXX Cash XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than XXXX years. 
15 USC 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 2022-10-10 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: TN

Complaint narrative:
On XX/XX/XXXX I made XXXX {$700.00} payments on XXXX separate credit cards held by Capital One XXXX. The payments were sent through my XXXX XXXX XXXX XXXX account. XXXX was sent electronically and XXXX by standard mail. The one sent electronically was received and posted to XXXX of my XXXX credit cards. The other ( sent by mail ) was not received according to Capital One. I stopped the use of my Capital One credit cards until this issue was resolved. 

I had XXXX, XXXX conversations with XXXX XXXX and Capital One. Capital One continued to represent that they had not received the payment which was mailed. It was sent to Capital One Investigation Department. XXXX times I provided all the information requested by the Department. 

Capital One claims that they provided a temporary {$700.00} credit ( which I never touched ). On this past Thursday they posted my {$700.00} payment and the very next day they removed my {$700.00} back saying that it re-paid the temporary credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am trying to send a wire from Chase bank to a bank in XXXX. I need to send {$14000.00} that converts to {$20000.00} I did the currency exchange with the bank representative and when we tried sending the correct amount in XXXX, we needed a total of {$15000.00} NOT {$14000.00}! Chase is making over {$400.00} on their conversion XXXX bank fee 's. I have called everyone and no one will help. This is CRAZY, Fraudulent and complete XXXX. I am eager to look for more individuals and start a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I lost my job due to the pandemic in XXXX. I started to struggle with the payments so I applied ( and was approved ) for a forbearance plan that paused my mortgage payments from XX/XX/2022 to XX/XX/2022. I was told the deferred balance would be due at the maturity date of my loan in about 30 years. XXXX came and Im still unemployed. I requested an extension on my forbearance and the agent told me on the phone my next payment would be due in XX/XX/2022. I had no reason to think any other action was required of me. Next I got a Credit Karma alert that I had been marked late on my mortgage. I immediately called my servicer and they told my my forbearance was over and all of the payments are due in XXXX lump sum. I would have never entered into this agreement if I was not misled ( twice ) by XXXX 's loss mitigation phone reps. I have no idea how this program would help anyone in a hardship. It's my mistake for not getting this in writing, but if you call your mortgage co and they tell you payments are paused till XXXX I have no reason to not believe them. The most recent rep ( XXXX ; the only XXXX who knew what he was talking about ) also informed me that the letter in the mail notifying me of my forbearance ending was also returned to them so I never received it. Not XXXX single phone call either.

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

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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
Consumer complaint received 2022-10-10 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: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I over draft my card XXXX $ and the next day I was in the hole XXXX $ for wrongful overdrafts Ive had with regions bank I was being charged DOUBLE THE AMOUNT

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Credit karma has done a lot of unlawful activities using my name that has made my life hard. I have a wife and XXXX kids can you please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX PROFESSIONAL PLACEMENT Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX 15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The XXXX of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, XXXX anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the XXXX XXXX XXXX permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over XXXX days.

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

Complaint narrative:
On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX PROFESSIONAL PLACEMENT Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX 15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The XXXX of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, XXXX anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the XXXX XXXX XXXX permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over XXXX  days.

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