vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Accounts XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; Medical XXXXBalance : {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: American First Finance, Inc.
State: RI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604A Section 2 : It also states a Reporting agency can not furnish a Account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
While trying to apply for a rental home, the owner made me aware of a debt to a previous apartment I used to reside. The debt amount is {$540.00}. However, its been 2 years since I moved out of XXXX Apartments and I have never received a phone call, a letter, an email, or any statement regarding this. I only found out because it appeared on my credit report pulled by a landlord of a new place I was trying to apply, which I was denied. 
I tried contacting XXXX Apartments to find out what the debt is for since I payed all my rent and fees on time, but their website and phone number are no longer in service. Apparently they were bought off by another company, so they don't exist anymore. The apartments have a new name and new management and when I spoke to them they didn't have me on file. 
Because of this I went in to check my credit report myself and it only now shows a derogatory account which was added on XX/XX/2022. 
This is preventing me from moving out of apartments and into a house.

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 2022-05-19 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: MS

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX CO ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX BANK XXXX XXXX Account # XXXX, DEPT of ED/XXXX  ; Account # XXXX, XXXX 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 2022-05-19 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: MS

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX CO ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX BANK XXXX XXXX Account # XXXX, DEPT of ED/XXXX ; Account # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I believe closing my paypal account was a mistake. Im using my paypal account since XX/XX/2022 for online freelancing and online paying digital goods and services like electric load. My account XXXX has a stuck funds amount XXXX and I need to withdraw for emergency purposes. Im hoping that you will help me to get back my account. Thank you Pls see attached my valid ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: LEXISNEXIS
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act LexisNexis Account # 's 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I got a call from a " XXXX XXXX '' calling on behalf of the county process server 's office in the XXXX XXXX area. Telling me I must contact the attorney in charge " XXXX XXXX '' at XXXX. Failure to do so will result in me getting a failure to appear in court. When I called the number, I was put on hold a few times, then spoke to " XXXX ''. She informed this is to collect on a debt from Providian. I never recall having an account with Providian. She was did now the last four of my SSN an accounts I do currently have as well as an old pace of employment. But needed to give her my current mailing address. ( I did not ) She told me the interest alone has brought this to over {$30000.00} but are willing to take a one time payment for {$3300.00}, then later told me I could do four payments of {$500.00} totaling {$200.00}. She did clam the last activity on this account was in 2018. Again I do not every recall having an account with Providian. Doing so would clear this dept. Failure to do so will result in a lawsuit for the full ( over {$30000.00} ). Also that her client can take me to court without my knowledge. I did not promise to pay any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MS

Complaint narrative:
I am submitting this complaint on behalf of my XXXX XXXX XXXX father. He purchased what he thought was health gummies that were purporting to cure XXXX from a company based in Florida for what he thought was XXXX. However, when he gave them his credit card he was charged XXXX. Once his realized this, he immediately contacted this company to cancel the order and they refused, claiming that the order had shipped. My father then contacted me to help him and I contacted Capital One on XX/XX/2022 to dispute the charge with my father on the phone. Because I had read that this company has been fraudulently taking advantage of consumers and will charge the account again when disputed, I asked the Capital One to cancel the credit card and to send him a new one. We were instructed by the agent to immediately return the product upon receipt and to take pictures of everything. Once he recevied the product he immediately returned and we documented everything. However, once the company received the returned product, they immediately re-sent it and charge my father 's canceled Capital One credit card XXXX again XX/XX/2022. The credit card company applied the new charge to the new credit card while we were disputing the previous charge. My father did not authorize this secondary charge and we did not understand how this could happen since we canceled the original card. I contacted the credit card company and explain all this and I was told to submit all documentation I have regarding this, which I did. The credit card company has refused to dispute the second charge and the company who sold the product is not responding to my father 's request for a refund, even though his has returned these gummies twice at his on expense. He has not received another shipment or communication from this company. The last response I received from Capital One is that we have to find a similar merchant that will provide an affidavit stating that this product was not worth the cost and its claims were unsubstantiated. This company is a fraudulent company taking advantage of seniors. The billing on the statement is XXXX XXXX. It is XXXX oil gummies claiming to cure uncurrable XXXX. Where will I get such an affidavit and from whom? Capital One is refusing to dispute the second charge, even though it should have never occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 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: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The bankruptcy on my current report is not accurate please 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
While I was incarcerated my home was broken into. My credit karma debit card was stolen from my home and was used to make purchases that were not Authorized by me. I had filed dispute with credit karma spend and was never given a provisional credit like they said they would by the XXXX day. On the XXXX th day my disputes were denied, how they did their investigation to come to that conclusion is beyond me. I filed an appeal to have disputes reviewed and was denied again. I was told that I was a liar and I wasn't incarcerated like I said I was. That they contacted the place I said I was incarcerated at and they told them there was no record of me being there.. which is probably true they wouldn't have no record because I had my record sealed/expunged. Unless there is a court order credit karma spend can not see or ask about me bring incarcerated. I sent them everything they needed to see about my where abouts. I still have my paperwork from when I was incarcerated so I can show anyone I would like to.. I just want my money back that I didn't authorize. Also I would like the merchant to prove I was the one who authorized these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The bankruptcy on my current report is not accurate please 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The bankruptcy on my current report is not accurate please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX of 2021, we were approved to borrow {$23000.00} from Enerbank. As the work was completed on the house, the funds were given to the XXXX. My outstanding balance today is {$23000.00}. I have made payments totally {$1600.00} and I began making payments before any payment was actually due. They took all of that for interest, The last payment I made in XXXX, for example, {$340.00} was due - I paid {$400.00} and {$32.00} was taken from my principle. How can that happen? At the bare minimum, shouldn't any extra that I pay go toward the principle? Of my {$1600.00}, {$110.00} has gone to my actual loan. 

I just think that something shady is going on. I did call twice, she said that it's {$9.00} per day interest. That's fine but where did my {$1600.00} go?

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 2022-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My account has been paid except during COVID when I got an 1 month extension. They have continued to report my cred late ( ex XXXX payment due on the XXXX paid on the XXXX but they are reporting XXXX late ). I got so tired of requesting my file that includes my monthly payment history along with financial charges they completely refused to send and then removed my pano statement from the on line account then only report XXXX months statements. We have been with this company 2018. I understand we have 10 days after payment due before they apply late charge but the late charge is in excess of {$75.00} and again refused to provide information on it. however they cant report my payment late until I am 30 days late. 
I have copy of every statement ( before they removed them ), I have copy of my back statements to show my payments and a payment letter from ally that shows my payment matching my bank statements. I can not get anywhere and need your help.

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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I have been trying unsuccessfully for the last three plus months to get my PMI removed from my mortgage payment. In order to do so my home would need to be worth at least {$450000.00}. I've had XXXX different appraisals in the last month or XXXX which have come in close to or over XXXX dollars, so the equity is definitely there to get me below 78 % loan to value. I have spent over 12 hours on the phone with Caliber Home loans and call after call after call I keep getting a different story. At first it was they needed to send me a letter to sign and then me send them a check for the appraisal, this took 2 weeks we did it. Then they cashed my check and failed to order my appraisal for some reason. After countless calls and hours on the phone they tell me they need a list of upgrades which I provide to them three different times still no appraisal is ordered. Finally months later they order a broker price opinion she comes out appraises the home again well over the needed value and now Weeks later they are telling me they see an appraisal has been ordered as of yesterday. No two people have any idea what is going on with this process. To make matters worse they told me I qualified for a free appraisal and should have never been charged in the first place. I am at my Wit 's end and no longer have the strength or capability to proceed fighting with them. At the end of the day each month they delay cost me money not them so they do not care to help in any efficient manner whatsoever. It should not take more than 30 days to remove PMI yet here I am going on the fourth month trying to get this done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NJ

Complaint narrative:
experian In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

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 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Disputed with all XXXX credit bureaus on XX/XX/2022. They received my letter on XX/XX/2022. It is now XX/XX/2022 and Ive yet to hear back from this company. I sent ANOTHER certified letter that was received on XX/XX/2022 requesting they remove the items disputed since I had not got a response from XX/XX/2022 dispute. Still nothing was removed. The FCRA gives the company 30 days to respond to my first letter of dispute. I have not received response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I lost my wallet and I am a victim of identity theft. I submitted a police report for fraud to the credit bureaus and no further action was taken.

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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat af payment on a credit card account under d + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
Lady was supposed to buy items for one price and do a cleansing ritual for me, but she say she at the market and needed another {$60.00} after Ive already paid her {$75.00}. I asked for my money back and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MI

Complaint narrative:
I lost my wallet and I am a victim of identity theft. I submitted a police report for fraud to the credit bureaus and no further action was taken.

Company response to consumer: Closed with explanation