vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
We have been working with PennyMac and they are excellent. We had finished our complaint/notification to them and they had responded back on XX/XX/XXXX. At that time they had never been contacted by XXXX. We received an interesting call from the PennyMac loan remodification department on XX/XX/XXXX explaining they had XXXX information from key bank and there was a lien on our home. It was strange to both PennyMac as well as us, as XXXX wanted to know if we had a lawyer. PennyMac was as confused by that questions as we were. We explained that we had contacted XXXX and they were said they would have their lawyer call us and that they would contact us back. They had not done that yet. The PennyMac representative told us about some XXXX concerns and other information and advised us to call XXXX again. We did so immediately. We also produced a CFPB feedback notice and attached it to our original filing. XXXX is important to note that this was the same day that XXXX submitted continuation on their complaint. I wanted to submit a new filing because this is now scheduled for hearing. PennyMac has been wonderful to work with, but they need to be informed as I believe XXXX also needs to be aware. We were notified and we contacted the lawyer. We were told there was no scheduled foreclosure. We also contacted penny Mac and as XX/XX/XXXX they had never been contacted by XXXX. We have communicated and called XXXX, as was our intention and what was suggested. They said they escalated it and would contact us the next day by a XXXX XXXX, we have not been contacted by XXXX. We have only been harrassed by a lawyer and a builder with eviction notices and 3 day response subpoenas in-between XXXX and XXXX XXXX. Please we want to resolve this, Here is XXXX sample of a text message from XX/XX/XXXX, this is consumer deception, a builder, some investors and a lawyer made this claim. When we received any notifications we contacted XXXX and PennyMac. We were told there was no foreclosure. This is wrong : Good morning XXXX, please give me a call when you have a few minutes so that we can discuss your options to remain in the house. As I mentioned earlier, it centers on PennyMac continuing with the terms of the loan modification agreement they sent you and that you returned to them. They were not aware that you no longer own the house but it XXXX not be a problem when they learn that there is an option for you to regain ownership of the house. XXXX is of the essence. The XXXX days notice given Tuesday of last week officially begins the process of my partners and I obtaining possession of the house. I am hopeful we can come to an agreement that allows you to stay. Theres no doubt this is very stressful for you and your family. I look forward to speaking with you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX Im contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX also removal of all accounts attached to these names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
The credit deposit that was supposed to go to my account was not the same amount on my transaction list. It was like I got robbed because both parties was saying two different amounts. Us bank was the bank I had a checking account in. I have also been having bad experiences with companies that was my idea and then someone goes open them up but I seem to be the crazy one when I mention it and confront them or tell authorities about the the I see and hear. I've also worked for some of those companies too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
This debt was judged in my favor through the court system. I disputed for it to be removed from my credit file with the credit reporting agencies and debt collection company along with proof that the debt was judged in my favor. The debt collection company failed to remove this account from my credit file after numerous attempts to correct it. At this time, I do not know what else to do but to get the CFPB involved to help resolve this issue. 

On XX/XX/2023, I received a response letter notifying me that XXXX XXXX acquired One Main Financial and merged to make OneMain, in addition to stating they would only add remarks that it is in dispute status but not that they would delete it when I do not owe debt due to them losing in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The credit reporting agencies Experian, XXXX and XXXX is reporting a Closed XXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX Account # XXXX opened on XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX account # XXXX opened on XXXX XXXXXXXX XXXX  account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please 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 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please 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 XXXXXXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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:
15 U.s.c 1681 section 602 A. States I have a right to privacy..15 U.S.C 1681 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.15 U.S.C1692C 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 the consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: FL

Complaint narrative:
The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am writing this statement in hopes of being able to resolve this matter. On XX/XX/22 my pocketbook was stolen. My wallet with all my credit cards were in my pocketbook. I have contacted Barclays Frontier airlines many times to dispute the fraudulent charges that were made on that credit card. I have spoken to different agents from the fraud department and have not been able to resolve this matter. My credit score has been compromised because I refuse to pay these charges. I pay all my credit cards in full and on time. Barclays are being unreasonable so I hope you can 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 2023-01-18 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: NC

Complaint narrative:
In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1B1, 1. XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX - XXXX 4. XXXX XXXXXXXX XXXX - XXXX 5. XXXX - XXXX has violated my rights. 
15 U.S.C 16BI section ( 602 A. States 1 have the right to privacy.

15 U.S.C 1681 Section L04 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.E 1BIc. ( 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. 4815-2 ( A ) ( ) A person shall not furnish any information relating to a consumer to any consumer reporting agency tf the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/23, payment is due for Capital One account before being considered late. Their invoice and online website states that payment needs to be submitted by XXXX EST for online or website payments, however, it doesn't not state this restriction for paying in person at their banking locations. Therefore, I went to a local Capital One XXXX branch and made payment. After making payment at branch location, called customer support to verify record of payment, which was confirmed. In addition, representative mentioned it was received and no late payment nor interest should be charged. However, if it happens to be considered late with fee, please reach out to customer support and it will be completely waived. 

Forward to XX/XX/23, reached out to customer support as fees have shown on next statement. Representative and senior representative would only partially cover the fees as they consider it late even though payment made on due date nor any restriction time for payments made at branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NJ

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 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 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 2023-01-18 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:
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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: NV

Complaint narrative:
XXXX through XXXX XXXX I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 2 FTC report with inquiries I did not authorize and need them deleted asap as they are affecting my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX My previous cash card expired in XX/XX/XXXX, as a result, I requested a new card. That is when my issues began. I can not use my card even though funds are available on it. As a result, I have to go to an ATM, withdraw the cash, or instantly cash out to my bank account ( To which fees are accrued ). I contacted the customer service center and the representative hung up on me after I requested a manager. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation