vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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 — Their investigation did not fix an error on your report
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and Equifax and they have failed to report my balance owed as {$0.00}. The statement from Equifax and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to Experian and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and Experian show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.

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 2022-11-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== 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 Account XXXX. XXXXdept Of Ed - XXXX XXXX XXXX XXXX  Bal : {$12000.00} Credit Limit : N/A- has violated my rights. 

XXXX XXXX Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two days ago I attempted to open a XXXX  XXXX XXXX card at Capital One. It was advertised with a {$200.00} bonus after spending {$500.00} in purchases within the first 3 months of account opening. This card is meant for people with excellent credit ; XXXX XXXX states my last XXXX XXXX XXXX was XXXX. Capital One performed a hard inquiry and denied me for the card with the bonus, but approved me for the exact same card with no bonus. With all the credit card options currently available, I would have never applied for any card without a bonus and denied their offer to open the bonus-less card. If Capital One did not feel I was a good candidate for the credit card I applied for, they should have denied me altogether. Yesterday, I applied for a XXXX XXXX card with a bonus and was approved. Im disappointed that Capital One is advertising something, running hard credit inquiries which negatively affect the consumer, and then denying them for only the bonus advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: AR

Complaint narrative:
It's been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had thirty days to complete the investigation, and by failing to do so the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a CFPB complaint against ACCOUNT RESOLUTION COR for inaccurate misleading information being reported on my credit report. On XX/XX/XXXX still working to validate accuracy of the data furnishers. Well I will start by telling you its been well over 7 months and ACCOUNT RESOLUTION COR has failed to provide me with the original contract with my wet signature that I requested from them. Because this is a fraudulent, inaccurate, misleading account that XXXX refuses to remove due to the monetary gain they receive from selling negative account information on Consumers Reports. 
I been trying to solve this problem for some time with ACCOUNT RESOLUTION COR, they put fraudulent inaccurate items on my credit report without permissible purpose. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. ACCOUNT RESOLUTION COR is not able to provide requested proof of alleged debt. ACCOUNT RESOLUTION COR continues to report inaccurate, misleading, fraudulent items without my permission and the information is not even 100 % accurate. When in fact ACCOUNT RESOLUTION COR NEVER PROVIDED me with the original contract with my wet signature on this fraudulent medical account. Therefore you are reporting misleading false accounts. You violated someone's personal medical information and history when you put someone else medical debt on my report. You violated my personal information by adding fraudulent and misleading information to my credit reports.You can not send a list of medical procedures describing pelvic, and lumbar you are violating medical privacy laws for your monetary gain of reporting negative items. As a consumer I demand this account be deleted from my credit report immediately. Effective yesterday!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I applied for a loan on my affirm account to be used in XXXX XXXX XXXX XXXX, in XX/XX/2022 my total amount for the purchase was {$230.00} of which my monthly payments would of been {$22.00}. I paid the 1st installment payment in error as I was paying off my TOTAL Affirm balance off of over XXXX with the exception of this particular loan in which were RETURNED a week after purchase to the XXXX XXXX XXXX itself ( I'm still owed the sum of {$22.00} ) I submitted the return receipt to affirm as they asked waited 14 days, still no credit to my account, yet was expected to still pay on this loan of which I no longer owed. I have emailed, and called and visited the XXXX XXXX to which I haven't gotten much help there either, it's their word against mine XXXX XXXX say the return receipt is efficient enough and they will not call Affirm. AFFIRM says XXXX XXXX did not do a return therefore I must still pay them. I'm so frustrated as I am rebuilding my credit and feel taken advantage of, I am getting nowhere. Affirm has reported it to credit bureau as a delinquent loan. This has been a nightmare. When you call affirm they tell you NOTHING of substance, I'm going in circles here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Hello, I recently got " Permanently Limited '' from XXXX stating that my account will be closed permanently due to " potential risk ''. I had received the email stating this shortly after linking my XXXX  account with a popular platform called XXXX XXXX is a platform used to connect social links, promotional links etc for content creators to promote themselves and share their links with friends or family. XXXX encourages users to connect their XXXX account or any other payment method to make it convenient to receive direct support from fans, or XXXX XXXX XXXX. I thought to myself that it would be okay considering that ****** also allows you to connect your ****** email through supported 3rd party platforms like XXXX, etc to receive payments, send payments. I Could not understand as to why i randomly got permanently banned form my XXXX account as i simply connected my XXXX to my XXXX account. I received the email from XXXX shortly less than 5 minutes after. within an hour after a Friend of mine wanted to do some investigation as well in their hopes to assist me with trying to find out what could have caused my issue, they attempted the same thing as well by connecting their XXXX  with XXXX and the same exact thing that happened to me happened to them as well, now unfortunately we are both " permanently limited '' from XXXX my assumption is that it appears to be a potential error or mistake in XXXX XXXX  automated system and i beleive both XXXX and XXXX must be aware of this issue and inform their users and employees. I would grandly appreciate any support possible as i use my XXXX for work, business, receiving money to friends & family, and making bill payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
Carrington Mortgage has damaged my credit report. I need to get the correct information about my loan ( # XXXX ) sent to all of the credit bureaus. I have already tried twice to dispute the information through the credit bureaus and Carrington. The first issue is that the amount due is incorrect. My loan came from XXXX XXXX XXXX. I was able to get a forbearance with them in XX/XX/XXXX due to Hurricane Ida. Under those terms, I did not have to make any payments. Once it was transferred to Carrington, this became an issue despite everything I have said to customer service and the documentation I sent it in. Therefore, there should not be a balance of XXXX. The past due balance should be {$0.00}. The next issue is that Carrington reported that I have 3 missed payments of over 180 days. That is incorrect. I paid on time in XX/XX/XXXX and my loan didnt get transferred to them until XXXX XXXX It should state that I had 2 missed payments ( XXXX & XX/XX/XXXX ) of 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 2022-11-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 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 2022-11-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts from 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 Data 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 without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== 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 Account XXXX. XXXXdept Of Ed - Other XXXXXXXX XXXX XXXX Bal : {$12000.00XXXX XXXX XXXX XXXX XXXX- has violated my rights. 

XXXX XXXX Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX  Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== 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 XXXX XXXX XXXX. 
XXXX Account XXXX. XXXXdept Of Ed - Other XXXXXXXX XXXX XXXX Bal : {$12000.00} XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX  Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-10 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: PA

Complaint narrative:
Upon checking my Report there are multiple accounts I do not recognize

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 2022-11-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation