vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers n XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! XXXX Ive had calls from someone in XXXX  saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX  XXXX, etc. I demand justification, remediation 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 2022-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my bill on time every month with my credit card and I'm set up on automatic payment. However, i recently noticed a late payment on my account. I have tried to get an explanation but have not gotten one and they have not removed the late payment from my report. Please help me in correcting this error. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
RE : Account with XXXX XXXX XXXX listed on my credit report. 
TransUnion maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX & TransUnion, I have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor TransUnion has provided rebuttal. If TransUnion maintains that my Affadavit of Fact & Identity Theft report are fraudulent I have attached an Affadavit of Fact in rebuttal for TransUnion to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft 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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
My initial card expired in XX/XX/2021. I never received a replacement. I have called Indigo no less than XXXX times and requested a replacement card. Verified my address every time. Never received the card. Paid my balance off to {$0.00}. Now, they have charged me a yearly usage fee of {$90.00} and are demanding I pay on it. I have not had a card I can use in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I Have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Under Sec. 602 I Have A Right To Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I Have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Under Sec. 602 I Have A Right To Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( these is an open account but reporting inaccurate so remove please )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( these is an open account but reporting inaccurate so remove please )

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 2022-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I would like to start by informing you that when I started this process there were no selections for my specific situation, so I chose the closest ones that matched and will elaborate here. On XX/XX/22, I filed a claim with Capital One after being scammed by a paralegal to whom I paid {$1600.00} for legal aid in my child custody case. Immediately after I paid the fee, the paralegal dropped all communication with me. More than two months after filing my claim with Capital One, and after numerous conversations with it's Representatives during that time, I have still been unable to reach a person who can help me with my case. I have been personally victimized, and I am very sad to say that this is a straight forward scam situation. There should be some protocol for situations such as mine. With all the hours I have patiently spent on the phone with Capital One reps, not one person can competently take the necessary steps to resolve my case, or at bare minimum, comprehend the severity of the situation and the impact it is having on a mother of XXXX going through a XXXX. I must point out that none of the representative I have spoken with speak English fluently and I know that they are unable to understand me. Because of their inability to understand my words, I have been passed around to the same two departments, Customer Service and Disputes over the past two months. On XX/XX/22, I submitted supporting documentation to Capital One. On XX/XX/22 I called to follow up and I was informed that my info wasn't received, so I resent it that same day. During the conversation which took place the same day, I was told that no changes would be made to my account and my items would be reviewed. On XX/XX/22 Capital One withdrew {$1600.00} from my account, without notice or my knowledge, leaving me with a NEGATIVE balance of - {$1600.00} and in danger of my account being closed, likely also without notice. I would like to speak to someone in a supervisory position who can help to correct this negative balance to maintain my account, and to discuss how Capital One can assure me that everything is being done to handle my sensitive case so that this scam situation isn't repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a XXXX XXXX XXXX, I have an account with Merrill for company share awards. On the XXXX I sold some shares hoping to transfer the proceeds to my XXXX bank accounts. I use a company calle XXXX that gives me the ability to receive ACH and Wire account transfers in the XXXX. Merrill refuse to allow me to transfer via ACH and they charge {$7.00} for wire transfers ( I also have to pay for recieving the wire transfers. ) I contend that this is anti-competitive to arbaterally restrict the use of ACH transfers so that they can collect fees for wire transfers.

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I owed {$8100.00} on my XXXX bank credit card which I paid off to zero balance. As a result of this payment, Equifax dropped my credit score by 40 points. When this account originally reported with this high balance, my score had dropped. So paying it off should increase my score. Try speaking with a representative who had no idea as why my score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complaint and demand for a copy of proof of payment for my property taxes in XXXX XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: UPGRADE, INC.
State: AZ

Complaint narrative:
In XXXXXXXX XXXX XXXX I experienced identity theft and fraud on my bank account which froze my account for a time period. No transaction could take place. I alerted the credit bureaus and many creditors. Upgrade reported my XXXX payment as 30 days late when I had actually paid and had recurring payments. I spoke to several associates in XX/XX/2021 and was assured by management that the credit reporting would be corrected and removed to reflect current due to the extenuating circumstances. Still to this day my credit report has not been corrected and I have been given the run around from multiple contact attempts. This negating in accurate credit reporting has caused significant damage to my score and ability to acquire credit. All I simply requested was a correction to my credit as I have never made a late payment and I was promised and told the correction would take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I went through a hardship due to XXXX. I lost my job and had no source of income. My last servicer said they would help me. My loan then transferred to SPS. They asked me if I was experiencing a COVID hardship and I was so they put me on a forbearance plan. After the forbearance they sent me a balloon payment that I can not afford. I was told to send in a full modification package and I did. They denied me a modification. Now, I don't know how I will catch up and I am scared of falling into foreclosure. I feel like SPS should not have given me the forbearance if I was going to be stuck with a big payment. I feel as though this was a way to get me behind in my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Chime Financial Inc
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer report furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect on debt not owed. We completed our lease and never signed any renewals. We were given a refund for deposit at the time we moved out. When asking XXXX at XXXX XXXX XXXX to provide copy of lease and full payment history she said she did not have to provide. I explained they have a billing error and she advised I had to discuss with XXXX XXXX but the collection agency is telling me to contact original creditor. This debt does not belong to me and is invalid. Both the collection agency and original creditor have been given over 120 days to provide validating documents and not one shred of evidence supporting the amount they are trying to collect has been provided. This need to be deleted from my credit and the account needs to be closed as this debt collection is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: OH

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX XXXX- reporting late on XX/XX/XXXX is INACCURATE. Payment was made on time. 

XXXX XXXX  - reporting 90 day delinquency XXXX - INACCURATE. Payments were made ON TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX - reporting late on XX/XX/XXXX and XX/XX/XXXX - INACCURATE. Payment was made ON TIME.

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 2022-12-09 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: OH

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX XXXX- reporting late on XX/XX/XXXX is INACCURATE. Payment was made on time. 

XXXX XXXX XXXX reporting 90 day delinquency XXXX - INACCURATE. Payments were made ON TIME. 

XXXX XXXX - reporting late on XX/XX/XXXX - INACCURATE. Payment was made ON TIME. 

XXXX XXXX XXXX - reporting late on XX/XX/XXXX and XX/XX/XXXX - INACCURATE. Payment was made ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: AES/PHEAA
State: TX

Complaint narrative:
I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
RE : Account with XXXX XXXX XXXX XXXXisted on my credit report. 
Equifax maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX XXXX XXXX XXXX XXXX have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Equifax has provided rebuttal. If Equifax maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Equifax to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: OH

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX XXXX - 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 explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
An unauthorized charge for XXXX XXXX XXXX was add to my monthly bill without my knowledge or request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation