vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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:
XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active XXXX XX/XX/XXXX, equifax XX/XX/XXXX, XXXX XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, experian XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
- The work number have wrong data on my file. 
- XXXX accessed my data without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
XXXX XXXX XXXX  # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active transunion says XX/XX/XXXX, XXXX  says XX/XX/XXXX while XXXX says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!

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 2022-10-10 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:
XXXX XXXX XXXX # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active XXXX  says XX/XX/XXXX, XXXX  says XX/XX/XXXX while equifax says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
XXXX XXXX XXXX # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active XXXX  says XX/XX/XXXX, experian says XX/XX/XXXX while XXXX says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!

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 2022-10-10 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: MN

Complaint narrative:
XXXX XXXXXXXX is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
XXXX clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. XXXX  XXXX  also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..

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 2022-10-10 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: MN

Complaint narrative:
XXXX XXXXXXXX is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX XXXX that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
XXXX clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. XXXX XXXX  also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..

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 2022-10-10 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: GA

Complaint narrative:
I filed a dispute XX/XX/22 and requested Experian verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.Experian updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, Experian and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.

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 2022-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank I have mortgage with refuse to co-operate with PA XXXX XXXX XXXX to credit money to bring my account current.

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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OpenRoad Lending
State: CA

Complaint narrative:
I have received notice from OpenRoad Lending, stating on the delivered mail regarding a current auto debt, which is a direct violation of my consumer rights under the FDCPA I may also state that I never entered a agreement with OpenRoad Lending for them to have my private information and use it in such a unlawful and disrespectful manner. This company has my private business matter printed on the envelope is unfair and unconscionable, so embarrassing for my information to be public posted for everyone to know that this company acknowledges current debt and trying to collect a debt also by intimidation of stating in the late a high payment due of {$530.00}. All of these violations fall under 15 usc 1692f, 15 USC 1692g. My identity was used by this company without my authorization which is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.XXXX updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and Transunion Failed to provide documentation. This account also reports a monthly balance in its charged off status.

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 2022-10-10 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:
I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX  on my credit report.XXXX  updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX lists a charged off credit card account with SYNC/B Lowes reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.

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 2022-10-10 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I have a charge of {$370.00} from XXXX I would like details of this charge as it was during lockdown and cancellation of hotels and flights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: GA

Complaint narrative:
XXXX lists a charged off credit card account with XXXX XXXX reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: GA

Complaint narrative:
Experian lists a charged off credit card account with XXXX XXXX reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from Experian XX/XX/22 and they have failed to comply with the 15 day limitation.

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 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A business partner in XXXX sent XXXX to the wrong account at Chase Bank on XX/XX/2002 We have tried to have the wire recalled but Chase has not confirmed with the recieivng party the mistake. I have taked to XXXX people at chase who offer no solution. the bank in XXXX ahs tried to recall the money but Chase does not respond. Can you help me straighten this mess out. Have hire an attorney to help Identify the receiving party so we can conact them I have all the trannsfer information and chase ahs a record of all the secure mesage we exchanged thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 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 caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-10-10 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: MS

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

15 U.S. 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 2022-10-10 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: GA

Complaint narrative:
Please note that I have called Experian consumer reporting bureau everyday since XX/XX/2022, since they verified a fraudulent account on my consumer report. I have asked Experian repeatedly how are they verifying this fraudulent account on my consumer report since its fraud. I specifically stated in my dispute to validate, not verify this account. Experian has verified this account. Experian has also violated the FCRA guidelines when it comes to investigating a identity theft victim. I have told Experian that the information pertaining to this fraudulent account, XXXX  XXXX XXXX XXXX, is incorrect information. I told Experian I had the information that was provided to me from XXXX  XXXX XXXX and all the information on there is incorrect. I told Experian that the address was wrong on the paperwork, and it was also showing another company as the creditor on the account which is fraud. Experian told to me that XXXX  XXXX XXXX XXXX didn't provide that to them, they just verified that the account is a charge-off and 90 days past due and I owe an amount of {$23000.00}. Please that this is also a violation, because how can account be charged off and also past due at the same time with a balance. Also Experian has been reporting this account as late and a charge off every month since XXXX of XXXX  which is a violation of the FCRA because according to FCRA, the Consumer reporting agencies are suppose to report accurate information at all times and this is clearly not accurate. Also, Experian noted to me that they don't always verify or validate the accuracy of the furnisher they just take their word for it. I have all this recorded and I plan to upload this information to all news outlets and major platforms to make every consumer aware of how the consumer reporting agencies take advantage of consumers. I also plan on seeking compensations for the damages caused by Experian for humiliation, fraud, and negligence.

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 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital customer service to tell them I will be working in XXXX for most of year and need XXXX XXXX  code sent to international number. Agent indicated that not possible. 
I asked if she could verify me to get into account while I was on phone with her, she said only code to XXXX XXXX can open account (! ) All my banking and credit cards send code to international number I replaced in website or email to get code. 

Capital is so inflexible for XXXX XXXX I would like to urge management to be flexible for international travellers to get XXXX vis other means ( email or a non XXXX number In addition allow an email address for customer service to access because of time differences not easy to call Please resolve this issue as I have stopped using CapitalOne until more reasonable response is proposed. 

Please send me last two months XXXX XX/XX/2022 ) of my statements to me on line as I can not open to check my statements

Company response to consumer: Closed with explanation