vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I lived in XXXX  apartments on a section 8 voucher where section 8 pays a portion of my rent. I have always paid my rent I have receipts showing this the month I moved out I paid the full month even though I moved out mid month. They kept my deposit and the remaining funds from the full month rent I paid and reported I owe for something but never notified me. Now a debt collection company has reported it to the credit agencies it has affected my credit score and now I have a bad landlord mark on my credit report whereas before I had none. I have all my receipts I always paid my rent and dcha has always paid them their portion. I am seeking assistance with getting this off my credit 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 explanation
Consumer complaint received 2022-05-23 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: OH

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00}, XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-23 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: OH

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-23 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 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 explanation
Consumer complaint received 2022-05-23 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 accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XXXX 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 2022-05-23 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: NC

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 2022-05-23 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit reporting Affirm account number # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Made online purchase on with XXXX XXXX onXXXX XXXX for $ XXXX.Product not received .Attempted contact revealed company out of business. Initiated legitimate dispute with Barclays ( dispute # XXXX ) in late XXXX. To date have received no credit to my account, and no resolution.Several contacts wit Barclays dispute department have met with same unconcerned scripted replies of " still under investigation ''. Contacts advise I can not speak or Email the individual that is actually handling the dispute? Have noticed many social media posts from consumers who have experienced basically the same issues.

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 2022-05-23 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: GA

Complaint narrative:
Over the past year now, I've made several attempts to dispute the inaccurate Personal Information that's being placed on my credit report by Experian, and nothing has been done, despite the notarized document I sent them back in XX/XX/2021 with my correct personal information and the inaccurate personal information, for which they failed to respond too. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XX/XX/2021, which I'm going to do again here. I requested that only one name, one address, and one phone number should be present on my report, and that any other personal information other than what I put on my notarized letter should be removed immediately, being that it's inaccurate. Simply put, they ignored my dispute and notarized document all together and should be held accountable. So here I am stating that the credit bureau failed to properly investigate and correct the problem. Surely this is grounds for removal, and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2. I've attached documentation to help solidify my claim.

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 2022-05-23 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish 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 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 non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2022, I logged onto my chase credit card app to review my recent credit card activity. When I scrolled to the bottom of the page, it said I was already approved for a new chase sapphire credit card. 

On the same day, I determined I wanted this credit card, so I clicked the button to submit my info to get the card. I instantly got a notification and email saying that theyve received my request for a new card, and my application is under review. Had I known that I wasnt going to be instantly approved, and that it could take up to 30 days for them to decide, I would of never applied for the card. 

I then contacted them via phone on XX/XX/2022 to figure out whats going on and they said there is nothing they can do and my application is being reviewed. This is an unfair practice. They advertised the offer to me as being approved, but then deceptively did not honor that, and are now making my application to be reviewed. I asked them if they could cancel my application and they said no. 

Now theres a hard hit on my credit report for a credit card I dont even want or wont even use because the company is deceptive. 

How can I go about getting this off my record?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2022-05-23 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally financial Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving

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 2022-05-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Key 2 Recovery, Inc.
State: AZ

Complaint narrative:
I have been receiving calls from Key 2 Recovery to handle a incorrectly charged debt from my university. I have been in contact with Key 2 Recovery on multiple occasions ( XX/XX/XXXX and XXXX of XXXX ). We have been trying to handle the false charges as I have receipts and the school policy on where they went wrong. All of this evidence has been sent to the Key 2 Recovery team at XXXX and have confirmation they have received the documentation. I received a missed call at XXXXXXXX XXXX  MST XX/XX/XXXX and at XXXX XXXX  I am contacted by my mother that they called her twice to try and find a way to reach me. I explicitly outlined to them on our first interaction on XX/XX/XXXX to only contact me by phone. This is a clear violation of the FDCPA for the following reasons Debt collection agencies can only call you between the hours of XXXX XXXX and XXXX XXXX local time A debt collector can make telephone calls to a third party such as friends and family, but theyre limited in what they can say. For example, the debt collector has to identify himself and state theyre calling to confirm your address or contact information, but they cant say theyre trying to collect on a debt. 

For these reasons I am filing a complaint against the company for stepping outside the rules in the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
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 a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an 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
Consumer complaint received 2022-05-23 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, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish 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 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 non-monetary relief
Consumer complaint received 2022-05-23 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I used points on my Capital One Venture card to pay for a Hotel Stay that appeared on my statement. Capital One immediately deducted the points ( XXXX ) from my points balance which should have credited my account for the {$100.00} hotel charge. The transaction shows in my Redemption History. 
As of XX/XX/XXXX, my account still has not been credited. 
Called Capital One on XX/XX/XXXX to report issue. Was told that there was a " system '' problem and they would open a ticket to correct. Called again XX/XX/XXXX, and today XX/XX/XXXX. 
Capital One does not appear to be correcting the problem which is entirely their error.

Capital One is in violation of our credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On Monday, XX/XX/2022 I attempted to access my Experian online account using my username and password. I was unable to sign in and even after repeated calls and going through their systems requirements to reset username and password wasnt able to get anywhere. In fact there was no way I could access a real live person to give me help. It was a continual loop which took me back to the same place time after time. They send me regular emails so I know I am a client of theirs. It is extremely frustrating. 

At this point I am without any options at all either online or via the phone. It appears they are making it as difficult as possible to get in touch with them. I am not willing to write a letter to get access to my account online. I need someone to call me and fix this problem in a professional manner.

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 2022-05-23 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: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX  and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was sent an offer to open a checking and savings account at TD Bank and earn up to a {$500.00} bonus if I made direct deposits of at least {$2500.00} within 60 days ( which I did ) and deposit at least {$20000.00} of new money into a new savings account within 20 days ( which I did ). 
I live 5 hours away from any of the banks offices and so the only way I could deposit the money was to send it to my checking account at this bank and then transfer it into the savings account. I called their customer service and explained that I could not directly transfer it to the saving account and they suggested this method was they way to do it. 
My bonus of {$500.00} has not been posted and the TD Bank said it would within 140 days of account opening. I opened the account on XX/XX/2021 and today has been 166 days. I have called three times and asked them for the money and they have yet respond. 
I feel they have violated the Unfair and Deceptive Acts and Practices ( UDAP regulation ) and refuse to follow through with their agreement

Company response to consumer: Closed with monetary relief