vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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:
On XX/XX/2022, I XXXX XXXX, sent a letter requesting that Experian reinvestigate some inaccurate and unknown accounts on my credit report to this day over 45 days later I have yet to receive an response from Experian. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately " REMOVE '' those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach, and XXXX data breach and may have gotten into the wrong hands.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX 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 2022-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One Main Financial broke their obligation under contract laws to debit my account against our legally binding agreement to cancel one extra minimum payment of {$120.00} before its auto-pay due date and accept my payment of that same minimum due amount of {$120.00} before that auto-pay due date of XX/XX/2022. 
Since, One Main Financial justified their " breach of contract '' described above to be an intentional act, therefore I AM UNDER NO LEGAL OBLIGATION TO CONTINUE PAYING THEM ANY MONIES AS OUTLINED IN OUR ORIGINAL LOAN CONTRACT. I have closed our account agreement! One Main Financial also, never refunded me this extra {$120.00}, which they have stole, WHICH NEVER REMOVES THEIR GUILT OF " BREACH OF CONTRACT ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Experian has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates 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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Equifax has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Transunion has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX, Late Dates XXXX, XXXX XXXX  XXXX Late Date XX/XX/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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a hotel room at the XXXX XXXX XXXX XXXX XXXX for XX/XX/2021. I checked in and then left after being in there for a short amount of time ( 1 hour ). I was unhappy with the room and service, so I booked a hotel room at the XXXX XXXX for the same time frame ( see receipt for new hotel room ), and was very happy there. 
I tried calling XXXX support the same day I left, to which they said they would try to get in contact with the hotel. I never heard back, which is why I filed a complaint and chargeback. I saw the claim was rejected after a few months, so I spend money and faxed a letter, more receipts, an explanation and emails. After not hearing back for a month, I called and was told by Chase that because too much time has passed- the claim is no longer able to be reopened. 

As it stand, I feel like I was robbed of {$440.00} minus whatever the charge would be for checking into the hotel for less than two hours. I have since cancelled this specific cards but I still have products with Chase. I am requesting assistance getting reimbursed for the XXXX XXXX XXXX charge on XX/XX/2021 for {$440.00} Thank you for your time and help investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
15 U.S. Code 1692g - Upstate Failed to Validation of debts because its fraudulent. The gave me a bogus contract and took my signature to borrow a loan from a third party called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with giving full disclosure before doing so, 1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

They failed to give me full disclosure in the contract which makes it Fradulent. 

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.

XXXX  Account 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. 

These are my variolations and this has caused me and my family serious damages as i lost my appartment, job and i couldnt get anything on credit with any creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CA

Complaint narrative:
- Received credit report on XX/XX/2022 from TransUnion for new credit card inquiry with XXXX XXXX XXXX - Called TransUnion for assist with fraud inquiry and was told that the credit card inquiry was made on XX/XX/2022 - Informed me that they will contact XXXX XXXX XXXX and requires me to submit a fraud report with fct.gov and more additional information in order for them to dispute the hard pull on credit score

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 2022-08-03 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: PA

Complaint narrative:
Experian is showing my FedLoans as LATE payments on my report when they are not. I would like that taken off. My loans are not late which is prohibiting me from getting an apartment that I desperately need. According to Congress back on XX/XX/XXXX ; XXXX XXXX, XXXX [ XXXX ] ( Introduced XX/XX/XXXX ) H.R.394 117th Congress ( XXXX ) This bill extends certain temporary relief related to federal student loans and expands eligibility for such relief to additional types of loans. 

Specifically, the bill extends the current suspension of payments due on federal student loans to 30 days after the end of tXXXX XXXX  ( i.e., coronavirus XXXX XXXX ) public health emergency. It also extends the suspension of interest due on these loans until the economy shows specified initial signs of recovery.

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 2022-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NH

Complaint narrative:
XX/XX/2022 bmw took three payments from my checking account. They say they only Took one. My bank sent them a charge back for two of them. BMW sent me a letter saying my bank denied my payment. Even tho they took three payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I have a debt listed on both my XXXX and XXXX credit report that isnt mine. Over 30 Days ago I disputed this information and they have not supplied any information. 

Ive never gone into contract with this company and Im not familiar with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: GA

Complaint narrative:
Equifax = under investigation for improper credit reporting. Credit Reporting is what they DO!! WHAT? That would be like CFPB not doing their job!!! No public statement from them to address what occurred and when?? Starting to sound like the crooked bunch I have suspected for years -- their silence tells me all I need to know... They will get a slap on the wrist ... shell out a XXXX  XXXX in fines and then a ruling to reimburse some a XXXX XXXX and NOTHING changes... But, it's ok they will release a new phone app that allows people to buy a higher credit rating that they can then go and report incorrectly .... America is really GREAT now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter from Bank Of American on XXXX XX/XX/XXXX, XXXX and the letter was about after they reviewed my account relationship, they closed my account, as well as my corporate business card relationship any other associate account because my risk profile no longer aligns with the banks risk tolerance. 
I was so shocked when I received the letter. I called the XXXX XXXX BOA branch and spoke to XXXX the branch manager. I emailed him the letter from the bank. XXXX called me back the next day and said sorry he couldn't find out any reason why because the back office won't tell him. All they give him the same answer in the letter. I asked him what is it mean my risk profile. He said he couldn't give me the exact answer and he suggested I should call prevention center. 
I was so frustrated with the answer, so I called the BOA Prevention Center office and waited for 2 hrs to be able to talk to someone, and they transferred me to all the different departments that have the authority to answer my question. All I got was the same sorry, the bank had already made a decision, and that's all I can tell you. I can give you and answer you any further information that is stated in the account. I asked them what my reward they said when they closed my account, my reward money is gone too. 
I always have been A good customer with BOA since XX/XX/XXXX. I never had any overdraft or violation conscious in my bank account. For credit cards, I always pay on time and never have late fees. Even though they closed my bank ; I had to open a different bank to make payment for BOA credit card debt but BOA didn't pay me back my reward credit. Why? Can BOA give a reason why they took my reward money. As you can see I am responsible for what I own in the bank. Did BOA responsible with customers as they promised when they offer me to use the BOA reward visa. 
I never received any breach of bank regulations or any lousy relationship with BOA bank. I could not think of why BOA bank closed my account. After so many phones, call to reach out for an answer and help. All the answers I could get is the same in the letter. I see that BOA.bank wants to close my account because they discriminate against my small business and family accounts. Therefore, I am afraid I have to disagree with BOA bank closing my account for discrimination in any aspect of a credit transaction based on specific characteristics. 

I need XXXX XXXX to review again and reopen my business, my credit line and my family 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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've contacted the XXXX OF XXXX XXXX & they told me I've never missed a payment, yet Equifax refuse to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MD

Complaint narrative:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}.

Company response to consumer: Closed with explanation