vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: NV

Complaint narrative:
XXXX at January Technologies has been continuously emailing me about an alleged debt. I have not given the alleged original creditor XXXX XXXX consent to share any of my private, nonpublic, personal, and/or identifying financial information with said third party. With that being said, January Technologies has no CONSENT or AUTHORITY to even possess my nonpublic, personal, private, and/or identifying financial information. I was not given a proper disclosure from the alleged original creditor Snap Finance of their intent to disclose such consequential information nor was I given the opportunity to opt out, which is required by law. XXXX at January Technologies has no authority or consent to contact me regarding this alleged debt, especially over 15 times by email. I am being harassed by XXXX at January regarding an alleged debt that they have no consent or authority to even have or disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Upon checking my credit report, I noticed that an account reported by Capital One contains a lot of inconsistencies across the 3 credit bureaus. XXXX ) The closing date varies : None for XXXX, XXXX XX/XX/2022, and XXXX XX/XX/2022. On XX/XX/2022, the account was reported as paid with OK status with all credit bureaus however and additional report was sent to XXXX as set the account as Charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX I did not apply for a personal loan nor these credit cards

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 2023-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX. I did not apply for a personal loan nor these credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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:
On XX/XX/2023 I Submitted a complaint to you all regarding Lexis Nexis reporting my XXXXr XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( XXXX, XXXX, XXXX ). Lexis Nexis followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the chapter XXXX bankruptcy information was not removed and Lexis Nexis did not complete the demands stated. They actually did nothing. I am at Witts end with Lexis Nexis. Lexis Nexis has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. Lexis Nexis, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX  WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. XXXX, XXXX, and XXXX all obtained this information illegally from Lexis Nexis under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've already sent EXPERIAN proof that a XXXX XXXXXXXX account on my credit report does not belong to me and I do not owe them, therefore it has NO RIGHT to be reported on my credit report. They agreed, yet still are reporting the inaccurate account that does not belong to me, on my report.

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 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 A fund from XXXX XXXX / XXXX still haven't posted to account after notice from J P Morgan notice stated needed more time. I submitted refund letter several times communication with XXXX XXXX has failed but an apology letter gad been issued also offered refund. JP Morgan has failed to return my funds. XXXX, Chase bank executives failed to return calls. Legal action are a must at this point its been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: CL Holdings LLC
State: FL

Complaint narrative:
When Jefferson Capital syst company called me trying to collect a debt that was not owed to them. I ask them to stop reporting me to the credit bureaus because I have no debt owe to this company. I do not even know who they are. My original debt with XXXX XXXX is over 10 years old. Please stop reporting to the credit bureaus ruining my reputation and causing me XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 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: Convergent Resources, Inc.
State: GA

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 purpose.

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 2023-03-12 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
An account with Barclays opened on XX/XX/XXXX is showing up on my account. I am disputing the validity of this account due to the number of inaccuracies found. 
In XXXX, both XXXX and XXXX are showing the account in good status for all 12 months. However in XXXX, there was a 30 and 60 days past due for the month of XXXX and XXXX. Last report for this account was in XX/XX/XXXX and the account was reported 120 days past due at XXXX while XXXX was still being reported up til XX/XX/XXXX where the account was reported as charged off, and 120 days past due in XX/XX/XXXX for 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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX2023 I sent to XXXX, XXXX and Equifax the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. XXXX keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that XXXX is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXXXXXX, acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On 1-2-2023 I sent to Experian, XXXX and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. Experian keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that Experian is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.

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 2023-03-12 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: GA

Complaint narrative:
The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years. 
They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony bank with XXXX reported a tradeline/credit card on my credit report which I am disputing the validity due to the inconsistencies accross the credit bureaus. Account status is showing as 120 days at XXXX and XXXX while the only months reported lates are XXXX and XX/XX/2022, XXXX has an additional month of XX/XX/2022 as late which makes them reflect a 90 days late status. A mention of the account being paid is posted in XXXX while XXXX is showing as charged off and nothing but late for XXXX. 

The same situation applied to a Paypal tradeline on my 3 credit bureaus.

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 2023-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I made 12 payments of {$1000.00} from XX/XX/2022 XXXX XX/XX/2022 ( I made two payments of {$1000.00} on XXXX ). Each payment includes {$270.00} that was made to escrow. So I made a total {$3200.00} to escrow on XXXX. 

My Beginning Escrow Balance on XX/XX/2022 was {$780.00}, the Additions to Escrow is {$3200.00} ( not {$3000.00} ), the PROPERTY TAXES is {$2200.00}, the HAZARD INS is {$1200.00}, and the ESCROW REFUND is {$510.00}. So my Ending Escrow Balance of XXXX should be XXXX + XXXX - XXXX - XXXX XXXX = {$110.00}, not - {$150.00} which shows on the statement. 

The balance of my escrow balance on XXXX is {$1700.00}. I made {$1000.00} on XX/XX/2022, and {$270.00} should be applied to escrow that results balance of {$2000.00}, and after {$2200.00} tax payment from escrow account, it would result a total balance- {$160.00} on XXXX ( Not - {$430.00} which shows on the statement for mistake ). 

The company didn't applied my payment on XX/XX/2022 to my escrow account. I contacted them to correct the mistake. The replied me something not relative to my concern.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NC

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 : 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years.

They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.

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 2023-03-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years.

They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.

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 2023-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
15 USC 1681 section 602 states I have a 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 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
15 USC 1681 section 602 states I have a 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 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation