vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: VA

Complaint narrative:
I accordance wit the Fair Credit Reporting act, XXXX XXXX  XXXX and 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 an account without my written instruction.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All three of these inquiries was opened without my permission and I want them removed

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 2022-04-27 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: FL

Complaint narrative:
XXXX I submitted disputes and was advised that I was not specific with my dispute when I clearly stated that there are factual errors with the amount listed on my Experian file there are 2 accounts with XXXX  XXXX there response was I did not indicate the issues which to be more specific for them the charged off amount is at XXXX but why is there a past due amount at XXXX how do I owe more on a account that's been charged off with a higher debt and why is there a past due amount acct # XXXX that's a major violation of false and inaccurate amount I should not have a past due amount the other acct # XXXX : charged off amount XXXX past due amount XXXX same issue as the first I should not have a past due amount there are incorrect factual errors on these 2 accounts that must be DELETED ASAP

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 2022-04-27 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : AMEX bank credit cards. Inquiry date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX bank credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX XXXX  reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2016 JP Morgan was entrusted with a large deposit to open a business account. 

JP Morgan saw the amount & got greedy. 
The bank decided to keep the deposit then lie to everyone to cover that up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
I recently received notification from the credit that XXXX XXXX is reporting 180 days late payment when the account was in good status. The car was paid off XXXX closed in good standing and I have the title in hand. I am not understanding why this company is updating the report as if I still have an open account the was paid and close back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am still waiting my updated/correct loan modification contract that to be expedited to me from the CFPB response dated XX/XX/2022 Also, I am waiting my full copy of my contract. I was only given 11 pages from my previous request Also, I have added an additional request for a copy of the Transfer of loan agreement to Freedom Mortgage from my original loan company

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 2022-04-27 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
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 ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I made a reservation on my cash app card for a XXXX on XX/XX/2022 for XXXX. I cancelled my reservation on XX/XX/2022. The cash app account that I made the purchase from cash app has closed that account so I have no access to the account. I have contacted XXXX and has been informed that I will have to go through Cash app once a refund is sent it does not return back to them even if the account is closed the institution will have to transfer the funds or send me a check. I have been constantly trying to inform cash app of my concern and have not received the proper customer service to solve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thrift McLemore, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX from the firm THRIFT MCLEMORE LLC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Has been harassing me with unsolicited emails and mails to my private residence asking me to pay or collect a debt that doesn't belong to me and says he will proceed by suing me if I don't pay him and his company {$80000.00} within 5 business days. 

This is very unethical and quite disturbing that this person and debt collection company have my private residence address and could harm me at any given point.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV is on my credit reports saying I owe a balance of {$1200.00}, but I have no accounts that have/had a balance of {$1200.00}. 

I have also never received anything from an LVNV by mail, I did not get a Regulation F letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This incident involves Capital One/Cabela 's XXXX I was frauded in XXXX. I didn't have a charge card nor had I ever seen this charge card. I was advised of the existence of this charge card in XXXX by my personal banking institution. At that time Cabela 's was advised of this. 
After numerous attempts to have myself removed from this mess, Cabela's/Capital One chose to drag me into a court room. My attorney was costing me {$250.00} an hour. We reluctantly settled outside the court room to offset the already {$3000.00} in legal fees i had to pay for something I had nothing to do with. We settled for {$1500.00} on about {$8000.00} in fraudulent charges. The case was dismissed " WITH PREJUDICE '' in a XXXX Michigan court room meaning it is done forever, no except for. Capital One then filed a fraudulent XXXX against me with the IRS. My attorney corrected them after a lengthy dispute. Capital One then filed a corrected 1099-C with the IRS cancelling out their fraudulent claim. This was followed up with a letter from Capital One admitting I had been frauded. At a later date we confronted Capital One requesting refund of the settlement money and legal fees that I should never had to be involved with. Capital One refunded my settlement money but after ( 3 ) attempts to the CEO to recover my legal fees, they are refusing to do so. I am not asking for anything I don't deserve. I had nothing to do with this mess. My credit was damaged through this entire event but Capital One rectified that matter. I want my legal fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Avant LLC ran a hard credit inquiry on me on XX/XX/18 and the information provided was not my address. I informed them via phone calls and emails that this was a fraudulent inquiry and attempt to access credit. They said it would be sent to their fraud department. However I have yet to hear back from them in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have received incessant calls from a MCM ( Midland Credit Management ) company saying that they need to verify employment on me. I asked that they send over an email requesting this. I have impeccable credit and they did email me and the social security number they have IS NOT mine. When they call and harass me I ask what they are calling for and they refuse to tell me and only say XXXX XXXX. I explain that the social security is not mine and they DEMAND that i provide my social security. I have called them five times and one person advised they were looking for a XXXX XXXX. This was the person who sold me my home! They refuse to send me some kind of letter of what it is for and are demanding and call me every single day after they say they have the wrong person and i will take me off their list. However, they never do. I am humiliated as my credit score is XXXX and i do not have any past due bills. They have violated my rights on several attempts to collect a debt from someone that is NOT me. Please help me with this as upon looking online this seems to be this companies MO. I have contacted two attorneys on this that are going after this specific company as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX. 

15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 U.S.C. 166b A. Z creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.

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 2022-04-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I filed a dispute with Comenity Capital Bank, XXXX XXXX XXXX XXXX, OH XXXX, BJ 's Perks Mastercard Credit Card Accounts are issued by Comenity Capital Bank , in the amount {$1600.00}, that was posted on my credit card account # XXXX, on XX/XX/2022. The charge was from XXXX XXXX XXXXXXXX. 

However, Comenity Capital Bank, XX/XX/2022, issued a XXXX XXXX- {$1600.00}. 

XXXX XXXX  XXXX advised via email dated XX/XX/2022, and XX/XX/2022, that they DID NOT DISPUTE THE CHARGE BACK from XXXX XXXX XXXX XXXX  on XX/XX/2022, they incurred a charge back in the amount {$1600.00}. 

PDF copies of emails, Dispute Resolution Form, Cardholder Dispute Charge back and XXXX XXXX XXXX FORM. 

Here we are on XX/XX/2022, over 30 days later Comenity Capital Bank, was informed that XXXX XXXX XXXX, did not contest the charge back and where Comenity Capital Bank, failed to remove the XXXX XXXX - {$1600.00} and post it as a permanent credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX XXXX  credit cards. XXXX date XX/XX/XXXX JPMCB bank credit card. Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dare XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX bank credit cards. XXXX date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX Cap One NA bank credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2022-04-27 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I reached out to XXXX in regards to some inquiries that where showing on my credit report, that are unauthorize. I reached out to the company and they are now willing to help me out at all. I was a victim of the credit breach with XXXX and is in the process of going through mediation with my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My wife and I paid the remaining balance on our card ( {$4000.00} ) in one payment to be done. Apparently we did this two days after the last due date. With this, the company ( Wells Fargo ) states that since we paid it two days after, we still have interest for that month. How could I be charged interest for money that is not currently loaned to me? If anything, I could see the two days of interest, however, they are charging me the full month. This is total XXXX. Can I charge them interest for money I didn't loan them? Man, I could become really rich with this practice.

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 monetary relief
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, 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

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