vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
XXXX is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX somehow became involved, and XXXX did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX BANK Account # XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-03-04 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX BANK Account # XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, you are in many violations and I am demanding you XXXX XXXX to correct all of your errors on my consumer reports right now. CFPB, FTC investigate this matter. I blame the Credit Reporting Agencies Experian for never doing their job properly because I disputed this account and Experian said it was valid. 

So I blame yall XXXX Experian, so please do not act dumb when I invoice yall for violations. 

First off, Listen hear XXXX, you are furnishing MY private information and I have the right to privacy, Im not sure if you are aware that is a {$5000.00} fine, I did not give you permission to furnish my private information on my behalf. 

2nd, I am putting you on notice in regards to the charge off and XXXX  BANK should know what the IRS says about a cancellation of debt of XXXX or more and I am demanding XXXX XXXX  to send my 1099c, which you should have received when the debt was charged off. Also I will have to contact the IRS on them. A charge off is gross income and doesnt get reported. As of dated XX/XX/2022 at the time of XXXX XXXX, is reporting a Charge Off to ALL credit reporting agencies on my behalf with a balance of {$1200.00}. I have never received a 1099c form from XXXX XXXX. 

There are various violations this company XXXX XXXX  are in 12 CFR 226.11 - Treatment of credit balances ; account termination.

a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

The executive from XXXX, XXXX, told me I can NOT reopen my account, when I asked to reopen my account, hes very rude, and XXXX XXXX  is doing unfair business. I just CLEARY explained everything in a very basic and understandable term.

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 2022-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a auto loan from Capital One bank, unfortunately they have been processing my car payments as interest. This has caused my to receive late fees for lack of payment and other unidentifiable fees. 
I receive harassing calls from capital one every week. Nothing ever sent in writing to breakdown my fees. Currently they are reporting me to the credit bureau as late when I am making payments capital one is reallocating my payments to their needs without my consent or knowledge. 
Capital one is committing fraud and is harassing me. Capital one is causing me undue hardship and I am making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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 XXXX 's account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, and Experian you are both in violation! Because I disputed this account, and XXXX XXXX said that this is valid on XX/XX/2022, and Experian you are in violation for furnishing without my consent ( the audacity of you Experian. ) Experian, I am reporting you for aggravated identity theft 18USC 1028a. 
You did not contact me in writing form to verify my account before furnishing my private information. YOU ARE IN VIOLATION! 

XXXX XXXX, I am reporting you pursuant to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.

My consumer credit report should have been listed as PAID ON TIME and the balance needs to be 0, as of XX/XX/2022 XXXX XXXX, you have my balance {$100.00} you are in violation 12 CFR 226.11 - Treatment of credit balances ; account termination. 

Billing errors. 15 U.S. Code 1666 - Correction of billing errors You are both in violation, I tried to correct the errors and you both XXXX XXXX, and Experian failed to fixed them. I HAVE THE PROOF!!!

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
I can prove that XXXX XXXX lied about my intentions in getting out of my Chapter XXXX bankruptcy so that I could sell my rental house and catch up with what I owed them. I have a copy of an email correspondence with their attorney. 

They also adjusted my statement after my first complaint and applied the two payments from XXXX but never wrote adjusted or corrected or anything of that sort on the mortgage. ( They do this all the time, the numbers just move around ) XXXX XXXX 's narrative may sound good, but it is not true. He lies. He say 's he never talked to my attorney and I did not tell them what was going on but that is not true and I can prove it. I told them I was getting out of the Chapter XXXX so that I could sell the house and catch up with what I owed them. I had to explain that to the judge in order to have the case dismissed and then file chapter XXXX on the other bills. 
I had to go to court and explain in a court of law why I kept filing chapter XXXX so I could save the houses until I could sell the rental and catch up with the house I live in. I have been sick. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What is his excuse? 
He doesn't mention that when I ended the Chapter XXXX I paid them nearly {$40.00}, XXXX to catch up on the mortgage, I fixed up this house and started a business from home so I could continue to pay my mortgage. He is purposely trying to make it so I do not qualify for the help available to people who were effected by the Corona Virus. But I have all the email correspondence with his attorneys, including the one where I told them I wanted to reinstate the Mortgage. XXXX XXXX claims he never spoke to my attorney, but my attorney has notes on the phone call and has NEVER lied to me or spoken harshly to me, while XXXX XXXX has been speaking harshly to me since my partner who happens to be women, was diagnosed with XXXX XXXX XXXX. Perhaps I should be retaining a civil attorney in this matter! He has made this personal and has colored the truth to make his narrative look good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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:
In accordance with the Fair Credit Reporting act XXXX 's account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-04 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:
In accordance with the Fair Credit Reporting act XXXX 's account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-04 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: TX

Complaint narrative:
There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. ALSO, WHY IS EXPERIAN BUSINESS RUNNING MY CREDIT? XXXX  AND EXPERIAN BOTH RAN MY CREDIT A LARGE NUMBER OF TIME???? XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date: XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry dateXXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX EXPERIAN XXXX XXXX Credit Bureaus Inquiry date: XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX Department, variety, local, regional, and national chains Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXXXXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
I have disputed a late payment with XXXX on a credit card, and neither the credit bureaus nor XXXX took my complaint seriously. XXXX reports two late payments on a credit card, but the credit card was stolen. I called to alert them of the stolen card and sent in a payment. I sent in email documentation, and nothing has been done. It is showing very negatively on my account, and this is unfair. 

Also, XXXX is still reporting negatively on my credit report, and the balance was paid in full. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. XXXX is showing the account is still open, and it is not. It is an apartment that I no longer live in. Everything was paid in full according to the payment arrangement. The company received the payment and took a personal attack against me by leaving this incorrect information on my account.

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 2022-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I requested a loan for {$15000.00}. I was charged fees to obtain the loan which changed the principal amount to {$18000.00}. The loan terms are from the website login as of today XX/XX/XXXX : Loan Amount {$18000.00} Outstanding Principal {$16000.00} Unpaid Accrued Interest {$260.00} Loan XXXX Interest Rate25.58 % Origination DateXXXX XXXX, XXXX Repayment Summary On XXXX XXXX, XXXX, you got a {$18000.00} loan, see how far you've come! 
{$1600.00} paid toward principal Loading $ XXXXinfo As of today, on your Upstart loan you owe $ XXXXinfo I have made XXXX payments of {$540.00} but only {$1600.00} has been applied to the principal. It is illegal to charge origination fees etc and disguise it as principal amount when my bank was only credited with {$16000.00}. The loan terms are predatory and they refused a refinance of the loan. I am even paying interest on their fees for a 60 month term. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I bank with BOA I currently just got my Federal and state tax refund in this account which I been waiting for to catch up on bills due to me not working! I go into bank to make withdrawal I have a XXXX hold! Keep calling them no one tells me anything. Im about to be XXXX  with XXXX  kids because of this situation! They have all my money on hold

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