vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2022-10-29 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:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hood & Stacy, P.A.
State: MO

Complaint narrative:
Auto loan company came to my residence on private property and took my vehicle without my knowing. The company also did not give me the opportunity to remove personal belongings and private documents containing personal information. The company still will not let me have my personal belongings. The representative I spoke to over the phone said tough luck and I also was not notified that I was being sued and I never received any sort of documentation for the court date and I received a notification of judgment through the mail. I still have not been able to connect with and resolve the issue of my personal and confidential belongings.

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 2022-10-29 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: NJ

Complaint narrative:
Repeat of two previous complaints submitted on XX/XX/XXXX ( XXXX ; CLOSED ) and XX/XX/XXXX ( XXXX ; OPEN, but CLOSED per Equifax letter ). 

1 ) Equifax INCORRECTLY removed a credit card acct for which I am an authorized user. See attached for the XXXX account that has appeared on my credit report since XXXX - BUT it no longer appears because Equifax removed it without my authorization. This adversely impacts my ability to obtain credit. 

2 ) My Equifax credit report has been frozen and set with a fraud alert. However, there is a soft inquiry made in XX/XX/XXXX that DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received Social Security XXXX and I have direct deposit to chime Bank when my money is sent from Social Security time they won't release it they hold it for days and days when I call them they say they haven't received it yet when I called back Social Security office they told me the money was wired to the routing number and account number I gave him but chime keeps telling me they haven't received the funds yet I'm tired of this this company is a scam I was supposed to get a check on XX/XX/XXXX and it's now the XXXX and I still haven't received my check this company needs to be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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:
In accordance with the fair credit Reporting act XXXX Account # ending in 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 : I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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:
In accordance with the fair credit Reporting act XXXX Account # ending in 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 : I

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 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I would like all negative credit card, XXXX and Capital One reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phillips & Cohen Associates, Ltd.
State: WA

Complaint narrative:
phillips & Cohen sent me a letter in the mail attempting to collect a debt on or about the XXXX of XXXX. They tried to make it look as though they were doing me a favor by saying I could pay them 50 % or {$480.00} but I had to pay them by XXXX XXXX, 2022. They never made any attempt to verify or validate the debt, I never gave them or any of their partners permission to contact me about any debt, and they didn't even let me know that I had 30 days to dispute this IAW 15 USC 1692g. I only found this out after I started doing some research on my own. Then they even went so far as to threaten me and use bullying language at the end of the letter saying they would not cease collection activities until I payed the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
for almost 3 years since pandemic started we been trying unsuccessfully to get our XXXX loan XXXX by chase bank to be modify, into a fix rate and longer period we submit each and every document that they demanded and where given runaround by at XXXX  XXXX different Case manager by phone all documented with their name and ID and transcript of discussion at present time we are behind 6 months and find out that Chase bank submitted our loan to their attorney XXXX away to proceed with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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 confidentially under 15 USC 1681. 

Account names XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXXXXXX XXXX XXXX ( XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's 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 my consumer report containing other than records of convictions of crimes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: NV

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. 

Experian Name of Account Account Number XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
I had an accident with XXXX XXXX My credit card payment to XXXX XXXX XXXX for my XXXX XXXX came due during this time ( XX/XX/XXXX ) I have NEVER BEEN LATE OR MISSED a payment. During this same month I received 8 calls EVERY SINGLE DAY regarding my payment. The same month due!! That absolutely is harassment! This should not be allowed! ENOUGH. I called and said I would make pmt and expressed dissatisfaction with this practice and that bank. I was told Many comments have been lodged And they Flooded me with emails!!

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 2022-10-29 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:
Ive requested that Experian provide me with the specific procedures followed in their investigation and the detailed documentation and hard copy responses they received from any and all data furnishers and or public records regarding the entire length reported to Experian concerning the XXXX account so I can verify the accuracy of the information. As of today they are reporting that I currently am {$1400.00} above the my credit limit. That is just false, the account isnt even open. I am also still waiting for details from XXXX XXXX offices. Its clear Experian has not been entirely forthcoming with their data corruption or dutys to protect consumers. I have date that I would like to confirm with anything that has been disclosed erroneously.

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 2022-10-29 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: TX

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX, account 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

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 2022-10-29 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: NJ

Complaint narrative:
I have closed my credit card account with Barclays XXXX on XX/XX/2022. 
However, more than XXXX month later on XX/XX/2022, they posted a transaction charged by a service that I didn't want to subscribe. 
And when that company did that, they failed at least 3 times and sent me emails about billing failures on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 
I didn't do anything thinking that the service renewal would naturally stop after that. 
So it was really astonishing that the transaction of {$52.00} succeeded afterwards. 

I contacted customer service of Barclays XXXX, and they acted as if it's only naturally for any merchant to be able to charge me even after the account closure. 
I complained and then they told me to " rest assure this is escalated for review '', and that their dispute team would work on it. 

However, nothing happened after that other than phone and email harassments from them. 
And when I complained to them again, the customer service suggested me to go talk to their X or Y departments directly. 
So I don't think they are capable of handling this simple thing and stop their harassment. 
As of XX/XX/2022, they want me to pay for {$300.00}, for the original {$52.00}. 
I doubt they have been keeping reporting things to significantly lowered my credit scores.

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 2022-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
For the last 6 months, I have been trying to dispute my Credit file and have the disputed accounts corrected or deleted from my Credit Report. I have been submitting dispute letters as well as CFPB Complaints requesting that the Credit bureaus comply with the Fair Credit Reporting Act, and yet thy have done nothing! My constant requests and disputes have been constantly ignored by the Credit Bureaus! I previously sent a dispute letter to the Credit Bureaus dated XX/XX/2022. I am submitting this CFPB complaint to request to the Credit Bureaus that they look deeper into this matter as they are required to do under the Fair Credit Reporting Act. If the Credit Bureaus do not comply with the terms of the Fair Credit Reporting Act, I will be forced to file the lawsuit that we have been preparing. If it is not too much to ask, I need the following accounts corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}

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 2022-10-29 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: MO

Complaint narrative:
For the last 6 months, I have been trying to dispute my Credit file and have the disputed accounts corrected or deleted from my Credit Report. I have been submitting dispute letters as well as CFPB Complaints requesting that the Credit bureaus comply with the Fair Credit Reporting Act, and yet thy have done nothing! My constant requests and disputes have been constantly ignored by the Credit Bureaus! I previously sent a dispute letter to the Credit Bureaus dated XX/XX/2022. I am submitting this CFPB complaint to request to the Credit Bureaus that they look deeper into this matter as they are required to do under the Fair Credit Reporting Act. If the Credit Bureaus do not comply with the terms of the Fair Credit Reporting Act, I will be forced to file the lawsuit that we have been preparing. If it is not too much to ask, I need the following accounts corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I contacted Nelnet about payments I made in XXXX, XXXX, XXXX, XXXX and now XXXX that have not been credit. They do not respond to messages sent on their site so I called. I gave all the information to the person who was supposed to send me an email as to where to send proof of payments. After about a week I called back and was told that I had to put them in the mail. I sent proof of payments by certified mail which they received on Friday, XX/XX/XXXX. My account still has not been updated. The following are the dates and amounts of payments : XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$50.00} Total : {$230.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$40.00} Total : {$220.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$16.00} XX/XX/XXXX - {$45.00} Tot : XXXX XXXX XXXX - {$45.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - {$45.00} Total : XXXX XXXX XXXX - {$45.00} XXXX - {$49.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - XXXX Total : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires AMEX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: SG and Associates
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXXt account # Stafford group associates has violated my rights. 

15 USC1681 section 602 states I have the rights to privacy.

15 USC1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I have no knowledge of this account. I did not engage in commerce with this company. I am a victim of fraud and identity theft. I demand this account to be removed from account immediately.

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