vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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: WI

Complaint narrative:
On XX/XX/2022, Capital One FRAUDULENTLY closed my Capital One Venture Credit Card without notification or my permission. I have been a long-standing and loyal capital one customer as both a holder of my vehicle loan and my credit card. I have never missed a payment on either nor been delinquent on payment for either. Due to Capital One EXTREMELY delayed payment processing on payments made on time to my card, there had been instances where automated ach transactions were being returned. I have proof that payment has been made in time in numerous circumstances with Capital One taking an excess of a week to post the payment to my account, thus that themselves are creating the XXXX issues. On XX/XX/2022 I contacted customer service due to my account showing " Restricted '' on my app, only to find out that someone at Capital One deemed my account as fraud. There is no evidence or history to support this in any legal capacity or practical. There have been frequent XXXX returns or exchanges on this account as we frequent XXXX in excess of hundreds to thousands of dollars a month testing equipment for our business. 

As a Veteran Owned business, we rely heavily on this card for our monthly business budgeting and spending and need it reinstated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Tran Union have not removed XXXXXXXX XXXX XXXX account from my credit report after i sended the account pay history showing the first miss payment was in XXXX, past the 7 year since the first missed payment. XXXX XXXX XXXX have charge this account off in XXXX, but still showing this account is opened on my credit file with is hurting my credit and Tran Union say the company have to change it not them account number ending XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # 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 non-monetary relief
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX has violated my federally protected right 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. 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 XXXX years.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to sign into my Experian account to lift a credit freeze. 
It does not recognize my user name or password. It will not let me change the password so I have tried numerous calls to Experian to get help. It will not let me talk to a real person. I am literally trapped by not being able to lift my credit freeze and the company will not provide an option and does not have XXXX on their website which also links to an awful maze that does not help. Their website and service is awful. Please help.

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 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the XXXX day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to XXXX free annual statement each year without charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Hello! my name is XXXX XXXX and this complain is regarding the Florida Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX program, and United Wholesale Program. Back in XXXX XX/XX/2022 I was approved for 6 months of emergency funds to cover mortgage payments. Application number : ID : XXXX. 

The award letter indicated the money from the XXXX XXXX XXXX XXXX, or XXXX, would be issued to my mortgage company on XX/XX/2022 and continue going forward, but the money is missing. As of today : XX/XX/2022, despite many phone calls to the XXXXXXXX XXXX XXXX Customer Assistance Center at XXXX, emails and even XXXX, my mortage company ( United Wholesale Mortgage LLC ) has not received any payments.

I will greatly appreciated any help you can give me, as you may understand my economical situation is critical I would greatly appreciate any follow up regarding my case Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX, XXXX I discovered, my Citizens Bank check issued to XXXX XXXX for {$200.00} was cashed by the Bank for {$14000.00}! Immediately I & my husband went to a local Citizens Bank brunch & learned our check was stolen & forged to a person name & the amount was changed, keeping only XXXX written by me. The altered check had my signature & at the bottom of the check, I wrote a XXXX account # & due date for the payment, that was not touched! 
The fraud was so obvious, that people from the Bank assured us, that we'll get our money back within XXXX. Next day we contacted Police, XXXX came to our place on XX/XX/XXXX & filed a report & police inspector had been assign to handle our case within a week. 
Since then a banker from local brunch faxed all our information & documentation to The Citizens Bank Fraud Department 5 times! We come to the brunch on a regular bases & every time he sends another package of the same documents & every time we get the same answer, that Fraud Department does not have our records?! So we start the same procedure with the help of the same banker & it's endless.... We need the money, it's so outrageously unbelievable the way the Bank treating us & we are good elderly customers of 30 years .... I hope someone is willing to help us, we do not know, what else could be done to make very nice mannered employees to do the job, not just to say how sorry they are ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
This upgrade loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). Upgrade has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX, FL XXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
Hello, My name is XXXX XXXX. I am reaching out in regards to a my student loan inquiry, currently held at Tenaglia & Hunt. I have tried to contact the law firm multiple times in hopes to begin some sort of dialog with them and prevent this from going into court. My loans were tracked down from XXXX XXXX, to XXXX XXXX, to Tenaglia & Hunt. I am concerned with the status and well-being of myself and of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I posted a new listing on XXXX XXXX to sell my XXXXXXXX XXXX. A woman named XXXX XXXX messaged me interested in buying the XXXX. She said she can send me the money through XXXX, she messaged me telling me she sent me the money and I received an email from XXXX. The email stated my XXXX account was not a business account so it needed to be upgraded. I have never sold anything before so this made sense and the email said from XXXX support. Following this email, the buyer sent me a message claiming she sent me another {$250.00} to upgrade the account ( also stated in the email ). The requirements stated by XXXXXXXX XXXX email were to send {$250.00} to the buyer to protect them and they will send me the total of {$500.00}. I sent the {$250.00} and continued messaging the buyer until I received another email stating I need to send {$500.00}, at this point, I recognized this could be a scam. I continued to message the buyer to send me back my {$250.00} but they ended up blocking me. I immediately called my bank because the {$250.00} XXXX payment still said " pending '' on my account. The woman working for Chase said they can not stop the payment and will do an investigation but can not guarantee any form of refund for the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-04 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: PA

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 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: LA

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


I also have inquiries on my experian account that I didn't authorize and unaware of. 

XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 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 2023-01-04 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: LA

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 XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


I also have inquiries on my XXXX  account that I didn't authorize and unaware of. 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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