vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX, La XXXX. XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX, la 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I opened a line of credit on XX/XX/2016 with XXXX XXXX XXXX for buying an engagement ring, and paid the full balance off that same year ( XX/XX/16 ). The amount of the credit limit was {$3500.00}, and the balance was {$3400.00}. 

This account is still being listed as active. I called the company and they said they have no record of me in their system anymore, and to come here and file a complaint to get it scrubbed from my credit 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 2023-01-10 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: LA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, XXXX, and Transunion has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, La XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I identified items on my credit report that are the result of identity theft, as I did not initiate, authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. These documents were received by Equifax on XXXX XXXX XXXX So, by law, they should have been removed in 4 days which would have been XXXX XXXX XXXX It is now XXXX XXXX XXXX and Equifax has failed to remove them. 

I will be including the tracking data from the certified mail tracking number associated with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experion offer of free credit monitoring through XXXX. Never received credit report but got a lot of email advertising for credit cards. Then suddenly saw a debit pending on my bank account for {$21.00} from XXXX. I did not sign up for a membership and did not authorize this charge. Called them to demand they remove this charge and also called bank to dispute. I found in my research of consumerinfo.com, this has been a common practice with them and were actually fined by the FTC in XXXX for this very thing

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 2023-01-10 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:
I applied to rent a house recently, and I was denied. Trans Union is providing inaccurate information on my credit report through their rental application process department. It shows that I have XXXX XXXX  ; XXXX in XXXX XXXX, XXXX in XXXX XXXX that was dismissed because I paid it. XXXX in XXXX XXXX XXXX XXXX I never resided in. I contacted Trans Union and submitted XXXX dispute ( XXXX ) for XXXX of the XXXX  in XXXX XXXX. None of these evictions should have been on my report. I filed XXXX  XXXX bankruptcy and all XXXX judgements were added. To my bankruptcy, except XXXX XXXX because I never lived in XXXX XXXX and this information is inaccurate. Trans union needs to remove this inaccurate information on my credit report this XXXX cause me to become homeless if I can not get a leasing and/or rental agency to except my application. I have already wasted a {$150.00} dollars on application fees. I spoke with XXXX in Trans Unions XXXX XXXX department and she told me that it doesnt matter if I filed bankruptcy. That trans union can report whatever they find in the system about me.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XXXX XXXX in regards to a late payment that has been reported on my credit report in XXXX XXXX XXXX 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MN

Complaint narrative:
Multiple overage charges in the amount of XXXX cents by Chime when I used my debit and credit builder cards to do laundry at a hotel XXXX staying at. 

I disputed the overage charges through Chime and they claim there has been no fraud and refuse to reverse the overage charges. 

I disputed overage charges in the past with them, as this has been going on since XX/XX/XXXX and they reversed the overages. Now ( XX/XX/XXXX ) they are refusing to reverse the overages, Chime is also withholding funds in the amount of {$50.00} which was supposed to be returned to me XXXX days ago from a damage deposit at the hotel. The damage deposited was paid using my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Prior to XX/XX/2022 I religiously paid my credit card bill with the same debit card that has both my personal name and business name on it issued by XXXX. I use this card because the company I do contract work for issues payment via XXXX and the fees to transfer to any other account are astronomical. I NEVER HAD ANY PROBLEMS PAYING CAPITAL ONE WITH THIS METHOD BEFORE. 

XX/XX/2022 I tried to pay my credit card bill online and kept getting declined. I called capital one and the associate said that it was it decided due to method of payment and for me to contact XXXX and find out why. I had to pay the crazy transfer fees to move money to a different account just to pay capital one and I called XXXX to find out what was wrong. They didnt have an answer but issued me a new card to be sure it wasnt a problem with my card. 

XXXX payment was the same ordeal. I didnt want to have to pay the insane transfer fees again so I was told Id be contacted by IT department at capital one to resolve the matter but never was. I called daily as I was racking up late fees on my overdue payment. 

XXXX I called when it was due again and still couldnt make a payment online but also was locked out. They closed my account. Due to nonpayment. I spent XXXX hours on the phone and was transferred multiple times after numerous people in several departments couldnt determine why I couldnt make a payment even after they closed my account and I was just trying to pay the balance to resolve the account. 

Finally the last person I spoke with said it was because I couldnt use a business card to pay the account. Though my first and last name is the billing account, XXXX the sole owner of the business, Ive used this card for over a year to make payments on this account and why does it matter how its paid? I asked him where it says that in the terms I agreed to when accepting this credit card and he put me on hold for XXXX min while he looked for the policy. He came back and said he couldnt find it. But it didnt matter because they already closed my account and would be sending it to collections as closed and not paid. Although Ive been trying to pay it for months. 

So a new unreasonable policy that isnt published that I suddenly cant pay my bill with a debit card that Ive previously used because I also use it as a business debit card has resulted in a collections and closed account on my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Zeus Mortgage, Ltd.
State: TX

Complaint narrative:
Weve entered into contract with Zeus Lending for a hard money investment loan. The procedure is that we have money in escrow with them towards repairs to be done on said properties and we pay the mortgage payments to them monthly and they release funds to us as the jobs are done and inspected. They is supposed to be a XXXX business day turn around and the most and that is never the case. They never pay us on time because I believe the company uses our escrow funds in different situations which is why we can never be paid when we are supposed to. The loan total on XXXX contract is {$620000.00}. By XXXX not sticking to the turn around and contract details it is causing us money, time and stress to others we owe for the jobs the did. XXXX has a late fee for our contract of {$800.00} if were late but they pay us late constantly without any regard to our bottom line. At this time we have been waiting on them to pay us since around XXXX and still have yet to receive the payments and have more to submit which means they will be that much longer getting funds that belong to us released. Weve made several calls and emails to no avail. Most times they wont even return the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am having a dispute with a former landlord, I sent my dispute and I never heard back. Then I received a call from a collection agency on a large amount of money, when I told the collections agent that I was in dispute with the landlord, I was yelled at and told that I have to party my bills. 
The landlord is charging me for things that were wrong with the apartment when I moved in, they are also charging for replacement of items that were never replaced. I have a copy of the move in sheet and they are refusing it. 
The complex is just wanting money, and I have documentation that I should not be charged for these items. 
This collections is keeping me from renting another residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This complaint was previously filed with PayPal and the CFPB per Complaint ID XXXX. When PayPal replied to the complaint with a non-sequitur, the CFPB improperly closed the complaint. This demonstrates a deficiency in the CFPB consumer reporting system.

The substance of the first complaint which remains unresolved is that the PayPal software platform permits unlimited numbers of pre-authorized invoices to be submitted for payment to user accounts with no recourse for users to report the pre-authorized invoices as fraudulent. In my case, XXXX such invoices were submitted for " XXXX XXXX '' when I did not engage any such company. Although I tried to report these invoices as fraudulent to PayPal using their Resolution Center, by calling customer service, and through their Chat Assistance, no support was provided. When I filed a complaint with the CFPB, PayPal responded with instructions to report the fraud using their Resolution Center. This is a non-sequitur because, as the information I provide pursuant to this complaint will demonstrate via attachments, the Resolution Center does not permit the reporting of pre-authorized invoices. When I tried to mitigate the impending fraud by removing payment methods stored with PayPal, I received a message that as long as inovices remained outstanding I was required to leave a payment method on file, nor was I permitted to close my PayPal consumer account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One has fraudulently obtained my nonpublic personal information and using it to defame my character for it's own financial gain. I have never opened up any account with this company and do now have any knowledge how Capital One obtained my nonpublic personal information. The only communication Capital One has made with me is through unauthorized contact to coerce collection of a debt that I do not own or owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: LA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This is my first time contacting you regarding this account. I have viewed my credit reports and noticed a collection account from Aldous is reporting on my reports. I sent them a request for validation on XX/XX/2022 and the tracking number is XXXX XXXX XXXX XXXX XXXX with USPS. As of today I have not received a response or any proof of the alleged debt. I am demanding this account be deleted from my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My husband was swayed by the high-pressure marketing strategies with XXXX XXXX XXXX XXXX XXXX He thought that it sounded wonderful and he thought that our XXXX daughter would love to be able to go to different vacation areas. After XXXX set us up with Barclays Bank credit cards to purchase a few " points '', my husband realized that we couldn't afford this and also that the few " points '' were pretty much useless. I knew that we couldn't afford those few points, but he really thought that we could swing it. Shortly afterwards, he realized that we couldn't afford them, but we had already signed papers. After he allowed me to contact XXXX to let them know that we couldn't afford it-especially after he came down with Covid again and wasn't able to work and I had to have XXXX and couldn't work- they released us from the contract. We have the signed documents stating that they released us from the contract, XXXX # XXXX. However, Barclays Bank continues to harass us about paying for something that we don't even own. They call us usually at least two and three times a day and every time that we answer, there is either no one on the line or they hang up. I don't know how to get them to stop calling. We can't afford to hire a lawyer and I know that this is going to mess up our credit. Plus, it is causing so much stress on us, because we always try to pay our bills on time.

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 2023-01-10 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: TX

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 the 15 USC 1681 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.

15 U.S.C 1681c ( a ) ( 5 ) A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
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 2018 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. Account isn't 49 days past due.

Company response to consumer: Closed with explanation