vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
XXXX XXXX 2022 I purchased a netspend card and loaded XXXX $ on it so I could pay to take my class the next day. Well it gave me problems with activation and after missing. MY class I still had no access to the money. Called verification was done and still had no access to my mo ey and card was still on activated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : 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 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 2022-11-30 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 XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXXXXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: LA

Complaint narrative:
I received a notification that a collection was sent to my credit report, when I checked my report I saw a collection for Professional Debt Mediation for {$3200.00} from XXXX XXXX XXXX I immediately contacted the apartments to find out about the debt because I once leaves there but moved in XXXX of XXXX I was told that they were under new ownership and that they didn't have any files that far back.. They gave me the old owners information and I made contact with them and was told that they didn't have any paperwork from the apartments because it was turned over to the new owners.. Of course no one could tell me anything.. I called XXXX XXXX to do a follow up dispute still no resolution... I moved into XXXX XXXX XXXX in XXXX of XXXX on a XXXX program through XXXX XXXX XXXX XXXX XXXX 's Section XXXX Program, in XXXX of XXXX there was an incident that happened in which I decided to move out but not before contacting the office and the Section XXXX XXXX XXXX rent was already paid, I had not signed a new lease yet.. Everything was moved out and apartment cleaned before the end of the XXXX In XXXX I received a letter to my forwarded address stating that I owed the apartments {$24.00} for the use of their utilities so I called and in informed them that it was impossible because I forgot to get my own utilities turned off and they weren't off in my name until XX/XX/XXXX and I followed it up with a letter from the utility company and was told to disregard the letter after they received the fax.. The program I was on was a federal program and in order to move you have to have clear balances, no damages, etc or you will lose the assistance.. I make contact with the Section XXXX office today to see if there was anything that they were aware of and just as I already knew the apartments gave me a full clearance, a XXXX balance, etc so being that they were the ones that paid the majority of the rental payments why were they not notified and why would they give me a letter of clearance to move somewhere else.. I am no longer on the program because I gave it up to move back home to care for my ill mother but had I not given it up I would still be able to participate in the program.. I haven't been able to even see what it is that they say I owe from them or Professional Debt Mediation because they are trying to get me to pay for it.. Please contact the XXXX and they can back me on this because this is not my debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Lazega & Johanson and XXXX XXXX XXXX impersonate being attorneys to using false affidavits to coerce me into paying a debt that was never validated and that I due not owe. 
I never contracted with Lazega & Johanson and XXXX XXXX XXXX to be sued. Lazega & Johanson along with XXXX XXXX XXXX violated both the Fair Debt Collection Practice Act and also The Truth In Lending Act. Lazega & Johanson and XXXX XXXX XXXX also violated The XXXX ( Filing Number XXXX ) they were not first in line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting these accounts inaccurately. I spoke to Equifax today, XX/XX/2022 and to state that ALL XXXX XXXX. XXXX  XXXX accounts aAll US DEPT Education accounts listed below accounts are to be removed, as XXXX am not liable for these accounts. 

Account Number XXXX XXXX Reported Balance {$45000.00} XXXX XXXX XXXX. XXXX  XXXX Summary Account Number XXXX XXXX Reported Balance {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Reported Balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I never consented to these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I never consented to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian continues to charge for a premium membership without my approval. I have cancelled the membership several times now but it keeps enrolling. I emailed Experian on XX/XX/22 regarding this, requesting a refund of the membership fee plus the overdraft fee incurred due to the membership charge. The customer service rep never got back to me or attempted to remedy the issue. Email chain attached. 
I called in today XX/XX/22, when I noticed the charge again. There was a language barrier which made the conversation frustrating to start off, then the rep interrupted and kept repeating the same script, that they can not refund. Once a supervisor got involved they agreed to refund the 2 months of unapproved charges. When I asked about the overdraft fee the rep became even more rude and refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been Well over XXXX  Days since I asked for reinvestigation, I have not received a reply from you or any acknowledgment that an investigation has begun. 

I have yet to recive a copy of my signature to verify the accounts listed belong to me. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-Compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX, Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXXXXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX CARD XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX Acct 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Error on closing. VA cost benefit credit of {$2000.00} not given to veteran directly, Due to Agengy limits of cash back overpayment was applied to mortgage. Veteran was not given the option to receive the overpayment. Attorney /Title company representative did not reveal dual agency and made the decision to apply the {$2000.00} to my account on XX/XX/2022. I received the revised Closing Diclosure on XX/XX/2022. I closed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I have a debt collection letter I got " Creditors Discount & Audit CO., INC. '' for a medical bill I have already been paying on and have very little left to pay at this time. When I called to get information and dispute it, I was given very vague information that I need to provide proof of payment, which I need much more information for, but before I got to getting specifics I had also commented that I am not comfortable that I was sent a very detailed itemized list of medical information from this collections agency, which if it is in fact mine seems to be a huge breach of my privacy. The person I was speaking to seemed to get pretty angry at this concern and told me it doesn't tell them any specifics, but I assured her that this is a very detailed list of medical information I am currently looking at right now, to which she replied she was " done with this conversation '' and immediately hung up on me. How am I supposed to go about disputing this bill collection or handle it in any way if I am being attacked on the phone by these people that need to help resolve this? I am always calm and collected never raising my voice yet this person immediately flew off the handle on me at the very first bit of pushback on the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment {$390.00} as on the sale contract too. but on my Transunion report the monthey payment is {$390.00}. Also the terms on the letter & on the contract are 60 months but on my Transunoin report 62 months. The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY 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 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank wrongfully paid a fraudulent/forged check drawn on our household joint checking account, has refused to pay it, and prejudiced our ( spouses ' ) effort to have the funds restored or seek another remedy. Despite the obvious forgery and alteration of the check, Capital One paid it sometime in XXXX or XX/XX/XXXX. We did not notice that until summer XXXX, when the XXXX XXXX XXXX XXXX, which cashed the check, informed us of the fraud. Capital One 's voluminous and complicated Account Disclosure, under the boldface heading " Claim of Loss '', discusses what the bank and customer are to do " if you ( the customer ) claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal ''. When we made our claim to Capital One concerning the forgery and alteration, bank officials assisted us with preparing affidavits and evidence. In response to our numerous inquiries about the matter since XXXX, they assured us that the investigation was ongoing and encouraged us to wait until the outcome was reached, likely before the end of XXXX. 

In our most recent inquiry about this matter a few weeks ago, a Capital One official mentioned for the first time that our claim was untimely. The official referred to the Account disclosure document. The above-referenced discussion about a claim based on forgery, alteration, etc., does not refer to a time period. The time period is elsewhere, in section about the bank providing account statements electronically. Why not state the time period for a forgery/alteration claim where it obviously would be most informative and protective of the customer, specifically, under the discussion of claims relating to forgery and alterations? Doing so would be more than fair and forthright to customers who are subjected to reading a voluminous electronic document to be read by scrolling a computer screen. 

Capital One 's unfair practices have interfered with our seeking a remedy on a timely basis. As for the 30 day period, our personal, health-related circumstances at the time were such that our failure to discover the transaction earlier was not unreasonable, but we are not presenting them here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Rent Recovery Solutions
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX  Account # # # # # XXXX, has violated my rights. 

XXXX XXXX XXXX section 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I was checking my credit reports with XXXX and notices my Honda Financial account is NOT on my report again!!!!! This happened last year one time and I had to contact Honda and your office and the credit reporting agencies to fix it!!! They claimed at that time that Honda had been hacked or something!! I need my car payments reported, as I don't have that many loans!!! I have had the loan for XXXX almost XXXX years and need it showing on my reports, all three of them!! The report I am viewing is XXXX so it is not on that one and they need to also make sure it is showing correctly on my XXXX and XXXX reports!!!!

Company response to consumer: Closed with non-monetary relief