vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: IL

Complaint narrative:
To whom it may concern, XXXX XXXX Experian XXXX XXXX Case # XXXX & XXXX As a consumer my rights have been violated by XXXX & Experian per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX XXXX  furnished this information. However, I have a letter stating that " XXXX XXXX XXXX XXXX XXXX does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Repeated calls, company will not give any information when asked who they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: MA

Complaint narrative:
To Whom It May Concern : My mortgage company reported that I was 30 days late for my XXXX payment. There were issues with my bank as I was using a new account. The payment had been submitted twice and I was told that it was received ; however, three days later, I received an email ( each time ) stating that the payment wasn't processed. 
After the second attempt I submitted a payment via another bank and the payment was processed on XXXX. I called my mortgage company ( as I have been told that I am a valued customer and I have not had any late payments in over a year ) and ask them to rescind the late notice as my credit score dropped almost 100 points and they refused. 
I also mailed the request in writing. 

Thank you

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was a victim of XXXX XXXXXXXX that led me to the hospital for weeks for corrective XXXX and healing. I spoke with capital one about the defendant being the person who stole my phone, had access to the card and the account and processed payments and transactions. Capital one has reported that my balance is over every month and Ive not agreed to my obligations of the credit card but it was found 0 % liability for fraud. The account is closed and reported negative information for 3 months to credit bureaus and that was not the correct balance because of the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I received a text message notification saying that my phone number had been updated to XXXX my phone number is XXXX I did not authorize this update!!! Along with that notification I received and email stating that there was an unusual login in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I tried to access the chime app from my phone but it was restricted so I was unable to see anything so thats when I called chime customer service and they were unable to pull up my account because whomever hacked my account had went in and changed some of my personal information ( phone number, email address etc. ) so they informed me that I needed to verify my identity In order to access my account. So of course I was able to verify my identity and when I was finally able to access the chime app I noticed that all my funds had been stolen ( XXXX XXXX  ) these transactions were unauthorized and were made after my account got hacked .I went ahead and filed a dispute on XXXX XXXX I received an email stating that no error was found so I called them back and forwarded screenshots of the notifications I had received because obviously if a proper investigation was done you could see that it was not me that made those transactionsso they reopened the dispute promising to credit my account by XX/XX/XXXX so today on XX/XX/XXXX I received a email denying my dispute again and I feel like no proper investigation is being done because if it was based on the account history you can see that my account was hacked and those transactions were unauthorized..I TRUSTED CHIME BANK WITH MY MONEY AND THEY HAVE FAILED ME I THINK I DESERVE A PROPER INVESTIGATION XXXX XXXX CREDITED BACK BECAUSE THEY FAILED TO PROTECT MY MONEY!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hi TD BANK N.A. # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 & XX/XX/2022. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, Transunion and XXXX about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my Transunion and XXXX report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent 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 non-monetary relief
Consumer complaint received 2023-01-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, XXXX and Equifax about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my XXXX and Equifax report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus Experian, XXXX and XXXX about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my XXXX and XXXX report. On my Experian report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent 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 2023-01-17 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: TX

Complaint narrative:
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 ( XXXX XXXX XXXX ) this is not my name. 

( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXXXXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$380.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$780.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$980.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX XXXX  ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 

( XXXX  XXXX bankruptcy discharged ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) This is not my bankruptcy. ( XXXX XXXXXXXX XXXX  ) XXXX - I did not authorize this inquiry.

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 2023-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I applied and received a CAPITAL ONE XXXX credit card around XX/XX/XXXX the terms were when i spent {$500.00} within 90 days I would receive a {$200.00} credit on this card,. 

I spent the {$500.00} within the time period, but they refused to give me the {$200.00} credit. 

I called customer service and they said my card did not qualify for the credit. The literature indicated this card would receive the {$200.00} credit. No one ever told me by voice or letter that I would not receive thias credit. That is why I applied for this card. ( called around XX/XX/XXXX and again on XX/XX/XXXX they violated the terms of our agrfeement, so I closed the account. I currently have a balance of {$200.00} on this account that I must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See Attachment I have Disputed the inaccurate information with TRANSUNION, XXXX, XXXX and they have failed to uphold their duty. 
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 non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MA

Complaint narrative:
I was going to start a cell phone plan with XXXX ( XXXX ) then they tried to say I wanted home internet when I didnt and never even sent me the SIM card that I actually did want. Since thing started out badly I decided to go with another provider. Now they want XXXX $ even though I never even had service with them. The debt is now with Afni for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear COMENITYCAPITAL/ZALESXXXX ; ( Account Number XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : ( from XXXX XXXX ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, XXXX XXXX XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears

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 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I was sent a letter from Capio Partners LLC regarding a debt from a hospital bill from XXXX, but I have never received any sort of bill previously from the original debt holder, I don't know how to respond or what to do but I don't want this XXXX Offer amount to effect my credit negatively.

Company response to consumer: Closed with non-monetary relief