vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Someone hacked my Chime account and started changing my phone number and my password so I didn't have access to my account. I called chimes immediately and told them the person who made those changes wasn't me and that I needed to speak to fraud department. They told me they didn't have a fraud department but that they had placed a freeze on my account. They then said to send copies of my driver license, social security number and to email a picture of myself ..... I email them all these information multiple times and I called to see if they had received it and they kept saying they didn't received anything. I told them I have the proof I have sent all the information multiple times and they wouldn't respond to me, they ended up closing my account, they didn't send me the money that was left in my account like they said they would and they left a horrible report on my credit report as if it was my fault that someone was doing fraud and they couldn't do anything about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-05-29 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: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS

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 2022-05-29 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: OH

Complaint narrative:
All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit reporting shows I have a balance due. This always paid off every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened an account with Capital One with proceeds from the sale of my home on XX/XX/22. I happened to look at the account online soon after and it stated that my funds were not available. I contacted Capital One ( who had not attempted to contact me regarding this issue ) and they said that my account was under investigation, that they were severing our business relationship and would not provide any information as to when I would be able to access my funds. 

It has been 45+ days and I have reached out too many times to count and no one will speak with me or return my calls. They will only transfer me back to the " consumer fraud protection '' extension which asks that you leave a voice mail and promises to give a call back within 48 hours. No one returns my calls and I have not received any communication email, written etc. from Capital One regarding the status of my account. 

As a result, I have been forced to rent a home on an interim basis as my funds were not available to purchase the new home I had planned. I am physically sick over this situation and finally someone on XXXX mentioned that they had had a similar situation with Capital One and recommended that I reach out and file a formal complaint with your organization in order to get access to my money. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
these inquiries are unauthorized & have not been validated, can u please remove asap to prevent me from mortgage approval

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 2022-05-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Credit reporting shows I have a balance due. This always paid off every month.

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 2022-05-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX account balance is not being reported.

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 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-05-29 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: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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
Consumer complaint received 2022-05-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They need to report my zero balance at the end of each billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Reflect XXXX balance due on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes Experian, XXXX and XXXX as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX  XXXX : Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.

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 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-05-29 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: LendingPoint Holdings LLC
State: MO

Complaint narrative:
I, XXXX XXXX, the NATURAL PERSON, Creditor, and Applicant, I was denied my right of credit by Lending Point who sent me an adverse action denying me credit on XX/XX/2022 pursuant to 15 USC 1691 ( c ) ( d ). I am submitting this complaint myself and no third party is involved in helping me file this complaint. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Lending Point an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application. I extended an inquiry to CreditkarmaAPI ( Referral Source ) to see potential consumer loan options. Furthermore, that is a Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report which is proof the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof " pursuant to 15 USC 1642. I made an application in good faith. Yet I received no benefit from this credit transaction. Everyone benefited from this transaction except me. It is horrible to me that Lending Point blatantly violates Consumer Protection Laws. Furthermore they did not give specific reasons in their Statement of Reasons ( ECOA and FCRA ). According to 15usc1602 ( p ) XXXX never had my permission to allow Lending Point to view my non-public private information. As a result of the adverse action provided to me I have lost confidence with this elaborate system which congress has tried so hard to protect us from its abuse. For denying me my rights I am entitled to civil damages under 15USC1640 ( a ) up to {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I ordered some signs from XXXX XXXX. When I realized they charged per item, I sent the signs back through the mail and they credited me back. I kept receiving bills from them and I would call and they would say I do not owe anything. They have turned it over to a collection agency Radius Global Solutions LLC. I have also notified them that I do not owe anything.

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 2022-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NM

Complaint narrative:
I just made my XXXX payment on my ELAN XXXX card. I was surprised that the minimum payment due was so high. I checked the back of my most recent statement and found that the interest rates had been increased. I did not receive any notice of this increase. I have ALWAYS made my payments on time and for at least the minimum amount. I stopped using this card over one year ago in response to a notification of an unacceptable rate increase, and have been making payments over the minimum amount ever since to avoid any increase in interest. I believe this arbitrary increase without notification is opportunistic and punitive.

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 2022-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Data on my Equifax report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Data on my XXXX report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.

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 2022-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I bought home in XXXX, Georgia using the VA loan for {$340000.00}, meaning my VA entitlement used was {$87000.00}. I foreclosed on the home in XX/XX/XXXX. I did not receive a notice of foreclosure or they did not contact me at about when the home is going into foreclosure. After foreclosure, my existing balance was {$340000.00} and the home was sold at auction for {$290000.00}. The outstanding balance was {$51000.00}. Mr. Cooper keep all of the {$87000.00} of my VA entitlement instead of just subtracting what they were owed. I asked Mr. Cooper to give me detailed report of all charges that were made but they gave documents that are not detailed at all. I have tried to contact Mr. Cooper on several occasions about this issue but there has been no resolution. This has caused tremendous stress and pain me and my family. I have fought for this country for this benefit and this lender can just take it away. That is unacceptable and flat out wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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:
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. 
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 that I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-05-29 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: CA

Complaint narrative:
There is incorrect information on 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 explanation