vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I told XXXX XXXX XXXX to close my account because they dont credit my account for charge back told me was in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offered them XXXX dollars and they closed my checking witch they stole over the years thousands of dollars and they said it was voluntary i finally told them i am XXXX XXXX XXXX which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX so I am asking XXXX equifax and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX XXXX XXXX credit reports and credit files ask XXXX XXXX XXXX XXXX account because they refused to give me any type of credit and make unsecured

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My name is XXXX XXXX and my loan is XXXX. PHH terminated my ACH agreement on XX/XX/2023, didn't notify me via with proper notification, and subsequently violated Reg E when they didn't complete the agreed upon ACH draft on XX/XX/2023. As a result of this violation, I was assessed a late fee of {$160.00}. 

Their notification was completed in electronic form only and uploaded to their internal portal. I did not receive a physical notice or any e-mail notifying me of a message in my portal that would indicate that my draft was cancelled. 

Upon realizing in late XXXX that my payment had not been drafted, I promptly made the payment, rescheduled Autopay, and requested a waiver of the late fee. They declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Started calling back in XXXX about money disappearing from my account. I was first told that amounts in pending is money that could still be spent which is not true amounts in pending mean that that have already been deducted and waiting foe merchant to claim. I then went called the bank again in XXXX and was told that since there has been fraudulent activity then a new card would have to be issued. After receiving the new card I had to go into the main branch and show my I.D twice due to my card being being locked. Then it started happening again so I went back into the bank a week ago and the bank advised me to close the account and open a new account. The very next morning my banking history and app on my phone was deleted and it stated I logged in at XXXX as last login. I was still asleep at that time. I then went back to the bank and the woman I spoke with by the name of XXXX advised me to close the new account and start another account. No fraud investigation was done or anything. I have been going through this for months and after looking at statements money was transferred from my account through internet transfers. and multiple duplicate transactions. I even tried contacting local police and was told to basically figure out who could have access to my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Please remove Cavalry Portfolio Services for {$1500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued or the amount owed. According to Regulation XXXX as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list and amount owed if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not itemizing any of the charges of this debt or stating the amount owed, therefore it needs to be removed from my credit report and all legal action must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
This alledged debt was settled with XXXX and paid in full. The debt collector is attempting to collect a debt that was paid in full in 2022 and I have bank records to show the debt was paid in full directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TN

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 Last reported XXXX XXXX, XXXX {$500.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) 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 2023-05-26 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: NY

Complaint narrative:
These hard inquiries are fraudulent I didnt authorized them please delete them from my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX TO THE F.C.R.A. ( FAIR CREDIT REPORTING ACT ), LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE 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 2023-05-26 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: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: PA

Complaint narrative:
Please investigate these inquiries as they were inserted on my credit report without my authorization. I called Transunion to ask why my credit was pulled without my authorazation and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
Specialized Loan Servicing, XXXX # XXXX. 
Notice of Default Mailed or Generated on XX/XX/2023 and sent to me via Certified Mail.

Letter stipulate I have 33 days from date of letter to cure my default balance. 
However, I signed for the certified delivery on XX/XX/2023 at XXXX. 
The 33 days include 9 DAYS IN TRANSIT. I want to have the time extended to cure the default. ( I will have the funds by the XXXX XXXX XXXX XXXX to pay my account current ) I should be given 33 days to cure from the date of receipt of the Notice of Default. 
I contacted customer service and was advised the 33 days starts from the date of the notice and NOT when received. I advised I wanted to extend the due date to the XXXX XXXX XXXX XXXX  and the representative stated she would document my file but the date of XX/XX/2023 is my final date to cure the default payments. She could not state whine the next step of the Foreclosure would take place.

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 2023-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I told XXXX XXXX bank to close my account because they dont credit my account for charge backs told me was late in more 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offer them XXXX dollars and they closed my checking which they stole over the years thousands of dollars and they said it was voluntary finally told them i am type XXXX XXXX  which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX so I am asking XXXX XXXX and experian the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX from my credit report or credit files ask XXXX XXXX to close account balance they refused to give me any type of credit and make unsecured

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have never been a customer of Capital One. On XX/XX/2023, a Capital One 360 Performance Savings Account was opened using my name, phone number, SSN, old address, and old email address. I received another email that day that my phone number had been updated. On XX/XX/2023, I received an email saying that I was approved for a Venture Rewards credit card and another email saying that I confirmed receiving paperless communication. I never opened up either of these accounts or made any of these updates. I called Capital One to inform them of the situation. They opened an investigation, told me my account was frozen, and told me to contact the credit bureaus. I froze my credit with all 3 major credit bureaus. Today ( XX/XX/2023 ), I received an email saying my credit card was shipped out and on its way to me. I called Capital One back to see why this was happening when I never applied for one, an investigation was going on, and the account should have been frozen. The representative closed the savings account and forwarded me to someone who could close the credit card account. That representative asked for my name, SSN, and date of birth to close the account and then said they were not able to close the credit card account due to " system issues '' and asked me to call back later. I tried calling back 5 minutes later, and a different representative said they need at least 30 minutes. I will call back in 30 minutes. I don't know why both accounts were not closed in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been misleading its customers into believing they have more money available in their checking accounts than they do unfairly charging them overdraft fees when they consequently overdraw their accounts.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account

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 2023-05-26 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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:
15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include

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 2023-05-26 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
The company is committing fraud violating my rights to privacy and accurate information on my credit report reported by the company EXETER FINANCE LLC. I submitted a complaint XX/XX/XXXX for inaccurate and false reporting by them on my credit report, they had 30 days to update my credit report with ACCURATE information, on XX/XX/XXXX i received a response saying they updated the inaccurate information and in fact when I checked my credit report on XX/XX/XXXX I noticed all the inaccurate information was there including false reporting like reporting to XXXX that I made OK on time payments 4 times XXXX, XXXX, XXXX, XXXX, when in fact the car was repossessed and auctioned off in XXXX of XXXX so reporting on time payments after that is illegal and a violation of the FCRA, I submitted a complaint around XX/XX/XXXX and they responded XX/XX/XXXX that I didnt provide any new information and what they have reported is correct which is a lie, I called EXETER XXXX XX/XX/XXXX at XXXX ( PT time ) and I spoke with XXXX who XXXX to her higher up XXXX who told me after speaking with her manager they arent sure what the usc codes in my complaint means, but they closed the complaint out. How can you close a case as accurate when you never investigated in the first place. Im trying to save this company money as well as both of us time on having to go through a lawsuit. I want the account terminated and deleted from my credit report immediately as the company has violating multiple FCRA laws and now making false responses on the cfpb complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditors has violated my rights under XXXX us code 1681section 602 A state i have the right to privacy. 

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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

Company response to consumer: Closed with explanation