vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was doing some research into my credit report and what I found was pieces of information that were entirely inaccurate. I have been suffering with the loss of my child and now I am dealing with inacccurate information being reported on my credit and it is causing me severe XXXX. I need this fixed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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  - XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the night of Sunday XX/XX/XXXX, I was XXXX of the professional photographers for XXXX of the XXXX  artists performing at the XXXX XXXX XXXX XXXX XXXX event at XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX is a large venue in XXXXXXXX XXXX XXXXhat can host up to XXXX people. I believe I may have been drugged and then my cell phone, debit card and credit card were stolen. My XXXX  card and phone were used together to make the following unauthorized transactions ; XXXX. XXXX SENT XXXX XXXX BALANCE. {$4500.00} XXXX. XXXX PAYMENT TO XXXX XXXX. {$5000.00} XXXX. XXXXXXXX XXXX NAME : XXXX XXXX ENTRY DESCR : TRANSFER SEC : XXXX XXXX XXXX XXXX XXXXXXXX. {$410.00} XXXX XXXX  DEBIT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX$900.00} XXXX. XXXX DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX. CASH XXXX PAYMENT TO XXXX XXXX. {$1200.00} XXXX XXXX CHASE BANK as soon as I realized what happened. CHASE BANK denied my claim and has not been helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

XXXX XXXX  XXXX XXXX Date XX/XX/2024 2024

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

XXXX XXXX  XXXX XXXX Date XX/XX/year> 2024

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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: OH

Complaint narrative:
I had opened a secured line of credit with First Progress in XXXX. I had used the card frequently and maintained an average 30 % usage or less. In XXXX, my card had expired. I reached out to First Progress via phone and mail service but had never received a new card. My balance had remained at {$0.00} from XX/XX/XXXX until XXXX XXXX  XXXX due to never having received the updated card. Within that time period I had also moved and switched phones. I lost most of my login credentials and the method of communication ( mail service ) I was using with the creditor. 

In XX/XX/XXXX, I was charged a {$29.00} annual fee for a card I was unable to use since XXXXXXXX XXXX XXXXXXXX. I did not see this nor was I aware of the charge. The following months I was charged a fee for non-payment which resulted in the balance being maxed out, my account being closed, and reports to the credit bureaus. I received late payment, high usage and then an account closure hit to my report. As of XX/XX/XXXX, I received a bill at my current address showing an account closure debit of {$200.00}. This company, whom I was not receiving communication from, had closed my account and taken then {$200.00} I had used to secure my credit with, to cover the fees I did not directly create. I did not have the means to utilize this line of credit as the company would not respond to my attempts to receive a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I used my cash app card for XXXX stays at a XXXX XXXX in XXXX, Georgia, where incidental fees were charged to my card. After the first charge, I contacted cash app, and within XXXX days the incidental fees were returned to my card. 
At present, I have XXXX outstanding transactions from the same hotel, but Cash App is refusing to release my funds back to me, which nearly totals XXXX for XXXX different hotel stays. They are refusing to return the fees under very suspicious circumstances. They have hung up on me twice today, insulted me, and refuse to refund the incentive fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made my payment on the due date of the XXXX like my statement states at XXXXXXXX XXXX but they say it must be paid by XXXXXXXX XXXX which is XXXXXXXX XXXX I get out of work at XXXX XXXX  and have to stop at the bank XXXX minutes away to deposit my check. I like many Americans are living paycheck to paycheck, most XXXX  Companies along with the IRS allow payments to be paid by XXXX XXXX. Capital one is the earliest time of XXXX XXXX they should PRINT the time by the due date, Not just the Date of the XXXX of the month, because the XXXX begins at XXXX not at XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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: OH

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.

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 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX Mortgage paid {$5300.00} out of my escrow account to city of XXXX for our property tax. On XX/XX/XXXX they again took out {$5300.00} from our escrow account to pay the taxes which was double the tax payment due. Since then, our total mortgage payment was increased and our escrow account remains negative. We called trying to ask for refund to our account starting XX/XX/XXXX. Since we have called countless times and have been told varying stories from the representatives including being told that the taxes were not actually received by the city, the check had never been cashed and they were going to cancel it and give us our refund back, to the city is sending a refund and now we are waiting on the check to be received. It has been now over XXXX weeks since we were told that it would definitely be back in our account in XXXX days. I again called today XX/XX/XXXX and now they are saying they can not tell me when the check will be received and can not tell us how long it will take for them to refund our escrow account. Meanwhile we continue to have to pay a higher mortgage every month. This mistake was made by XXXX mortgage and the money was removed from our account and they have been unable to fix the balance after XXXX months of us calling and sending in written requests.

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 2024-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: GA

Complaint narrative:
Another predatory loan with an interest rate at almost XXXX XXXX .. this is highly illegal in my state and I believe it is also federally illegal.. I absolutely can't pay back a small loan and by the time I'm done have paid over quadruple what I borrowed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Hard Inquiries : I wrote XXXX dispute letters also online dispute to all three credit bureaus in XXXX & XX/XX/XXXX in Temp to have them fix these errors or remove the entire inaccurately late payment of my credit file but it was a failed attempt, I reached out to CFPB to help me with this matter. 
I do not give any authorization to any creditor to run my credit nor was I looking for a credit card or loan. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX As for late payment, this payment is current and has been a consumer report to update the information. 
XXXX XXXX XXXX. 
XX/XX/XXXX {$480.00} monthly Auto payments. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX, are currently on terms with the leasing agreement. 

XXXX : Account XXXX was paid in full.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard Inquiries : I wrote XXXX dispute letters also online dispute to all three credit bureaus in XXXX & XX/XX/XXXX in Temp to have them fix these errors or remove the entire inaccurately late payment of my credit file but it was a failed attempt, I reached out to CFPB to help me with this matter. 
I do not give any authorization to any creditor to run my credit nor was I looking for a credit card or loan. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX As for late payment, this payment is current and has been a consumer report to update the information. 
XXXX XXXX XXXX. 
XX/XX/XXXX {$480.00} monthly Auto payments. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX, are currently on terms with the leasing agreement. 

XXXX : Account XXXX was paid in full.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
2022 CHASE credit card {$16000.00} XXXX credit card {$7600.00} XXXX XXXX {$3700.00} These are all debts to which I was an authorized user for my job. These are all debt belonging to my ex employer XXXX XXXX XXXX I was told as per my contract states that once I no longer worked for him. I would be removed as an authorized user on all of his accounts, none of these purchases were for me, or for anything to do with me 100 %. Everything was for my employer. It simply made it easier for him for me to do my job as his personal assistant. 
I went through a terrible divorce. My husband destroyed the decent credit that I did have and Ive been trying to build it back up for XXXX years with on-time payments to my auto loan an early payoff on an auto loan small cards that I keep my balances very low and the major XXXX on my credit are these things that dont even belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I filed for a loan remodification. 
During the process several people at the mortgage company were involved because of their policies. I agreed to record every single phone call. An escrow issue became part of the problem. ( Which all phone calls can give the total truth. ). Moving forward I made every payment every month during this process. A few times I only had enough to make principal and interest. I was told that was ok at the moment while this process was going on. Every time there was an issue someone would give me instructions, I would carry that out, call and have to speak to a different person because my representative was on the phone. 
It was a nightmare to say the least because some would say to do something different because of some customer service person gave me wrong information. Id go to another step, turn that in and again someone else would tell me that was wrong. 
This seemed like it took forever to do. 
I was making payments, escrow was getting behind. I was told modification went through and I was given a payment to start the trial..that also changed XXXX times. 
I cant stress enough of how this whole process got twisted XXXX different ways. 
Then, the mortgage company turned false information in to my credit report with a much higher payment because of escrow. 
I never signed anything that said my payment was over {$1000.00} per month. 
I accepted and agreed to the last contract that was written for {$690.00} I set up XXXX automatic drafts to be deducted from my checking account for XXXX, XXXX and XXXX. The mortgage company sent the total monthly payment as {$1000.00}. 
Thats not correct!!! I have paperwork where I accepted {$690.00} My XXXX XXXX with all XXXX bureaus went down over XXXX points! 
This is wrong on so many levels!!! 
I need help please!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I purchased a brand new XXXX XXXXXXXX XXXX in XX/XX/2024. It came with a warped/distorted windshield. XXXX XXXX XXXX, a XXXX dealership in XXXX XXXX, has been unable to help me get this figured out. 

They told me that this is a problem with all of their XXXX XXXX on their lot. The dealership went ahead and ordered a replacement windshield, but after the installation, we noticed that the warps are now even worse. The service XXXX could see this and he said it was just a problem with this type of car. He offered no resolution. 

We were given no heads up that this is a problem with this type of car, and wouldn't have purchased it if we had known. We expected that brand new cars wont have distortions in the front windshield. 

There are visible distortions across the entire front windshield that are notificable even when driving. This is really unsafe. 

Its very frustrating to have problems like this with a brand-new car. I've had Hondas my entire life, and am really disappointed that this is now the standard quality of their products and service. 

Is there anything that you can do to help? The service XXXX at this dealership has offered no solution to this problem and it doesn't seem like we will resolve this at the dealership level.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: KY

Complaint narrative:
XXXX CHASE credit card {$16000.00} PNC XXXX card {$7600.00} XXXX XXXX {$3700.00} These are all debts to which I was an authorized user for my job. These are all debt belonging to my ex employer XXXX XXXX XXXX I was told as per my contract states that once I no longer worked for him. I would be removed as an authorized user on all of his accounts, none of these purchases were for me, or for anything to do with me 100 %. Everything was for my employer. It simply made it easier for him for me to do my job as his personal assistant. 
I went through a terrible divorce. My XXXX  destroyed the decent credit that I did have and Ive been trying to build it back up for XXXX years with on-time payments to my XXXX loan an early payoff on an XXXX  loan small cards that I keep my balances very low and the major XXXX on XXXX credit are these things that dont even belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Kansas Counselors INC is in violation of the surprise act.. its a third party collection agency violating my privacy under the HIPA act. Tried calling agency to verify debt and they wont send me any documents of the original debts.

Company response to consumer: Closed with explanation