vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies on my credit report, which I have already sent certified letters to XXXX and Experian regarding the same issue. The certified letter sent to XXXX has a tracking number of XXXX, and I can provide further proof of delivery upon request. Attached to this letter is a copy of my credit report, which highlights the inaccuracies that I have disputed. 

I have diligently reviewed my credit report and have identified several errors that are negatively impacting my credit score. Specifically, [ Account XXXX XXXX XXXX Account Holder XXXX - XXXX ] Account XXXX XXXX XXXX - - Account Holder XXXX Account - - XXXX XXXX  Account Holder - - XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Holder XXXX - XXXX Current Addresses : XXXXXXXX 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 XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted disputes to XXXX and Experian to correct these errors, but they have failed to address my concerns. 

I am concerned that these inaccuracies on my credit report will not only affect my credit score but also my ability to secure credit, loans, and other financial products in the future. I am requesting your assistance in resolving this matter and ensuring that my credit report accurately reflects my creditworthiness. 

In addition to the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information to consumers and to investigate and correct any errors, I believe that the following laws also apply to my case : Fair Debt Collection Practices Act ( FDCPA ) : This law regulates the practices of debt collectors and prohibits them from engaging in unfair, deceptive, or abusive practices when attempting to collect debts. 

Fair Credit Billing Act ( FCBA ) : This law requires credit card issuers to provide consumers with accurate billing statements and to investigate and correct any errors.

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions based on factors such as race, gender, religion, national origin, age, or marital status. 

I am hopeful that with your assistance, we can resolve this matter in a timely and satisfactory manner. 

Thank you for your time and consideration. 

Sincerely, 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 explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I experience identity theft in XXXX, 2022 and was forced to close my current checking account and open a new one. On XX/XX/XXXX, I went into Targets Redcard website to update my checking account number auto-pay but their third-party vendor, XXXX, would not validate my new checking account. I called Targets customer service, which was answered by their offshore team, and they were not able to help. Over the next two weeks, I tried multiple times to update the Target credit card auto-pay website and it continued to get rejected. I finally received checks for my new account and paid the amount of my XXXX statement Target card in XXXX. When I asked Target to credit the late fees and interest ( on multiple occassions ), they would only offer to forgive some, not all, of the fees and interest. Based on principle, I dont think i should pay any late fee or interest because it was Targets third-party vendor ( and, identity theft ) that caused the delay in paying the XXXX statement. Ironically, they did accept my check that was written off of the new account. Target is unempathetic that my identity was stolen or that their third-party vendor caused the delay in payment. Out of principle, I just cant bring myself paying any of the late fees or interest that werent my doing. Meanwhile, Target is using its size and deep pockets to ruin my credit rating and extract fees and interest through a practice of denying consumers the use of their checking accounts to pay automatically through their website. One important note : Ive paid all of the charges that were associated with purchases and made them at the earliest time possible given the identity theft and establishment of the new checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FlexPoint, Inc.
State: WA

Complaint narrative:
I started the process of doing a cash out refinance with Flexpoint around the XXXX time frame. I was originally quoted on XX/XX/XXXX Loan Amount of {$620000.00} Interest Rate 4 % and Monthly Principal & Interest {$2900.00} from XXXX. We went through a full month of proceccessing the loan before I was notified by XXXX 's boss that they submitted the wrong loan that didn't meet the guidelines for a Texas based home event though they were well aware of the location and type of the loan that I would be getting. XXXX than informed me that my new Loan Amount would be for {$520000.00} an interest Rate 6.250 % Monthly Principal & Interest {$3200.00}. I had no choice but to move forward as I was already in the process of closing on an investment property. After showing concern about the massive amount of money I had lost through this process, XXXX informed me that " the cost of the points is simply reduced. When you spoke with @ XXXX XXXX, he resubmitted your loan and was able to secure the best. This is the only loan program available to meet your goal that Texas will allow. Well leverage this as an opportunity to get the cashout for your next investment and at the end of the year, well refinance you down to a lower rate/payment. '' If I had more time, I would have shopped this loan around or at least had the option to pull out. When this process started it was XXXX and didn't end up closing on the new property with my business partner until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Chase-Slate credit card : Transactions : XX/XX/2022 XXXX {$590.00} XX/XX/2022 XXXX {$390.00} XX/XX/2022 XXXX {$390.00} I purchased the service of creating a working website from XXXX within 2 weeks of XX/XX/2022. I was in communication with various people, mostly XXXX, at XXXX frequently. A non-working attempt was presented to me on XX/XX/2022. The entire purpose of this website was to receive hopeful future customers when said customer completed the " contact us '' area and submitted their info to our email. This never could work and I spent multiple calls trying to get this functional. XXXX indicated they had this problem with many clients. However, they couldn't get it to work. I asked for reimbursment to which I was declined. I then disputed all charges with the 2 credit card companies I used. Bank XXXX XXXX VISA immediately reversed charges without difficulty. Chase VISA asked for documentation which I provided. They declined disputes indicating it wasn't a billing error, nothing pertaining to the complete lack of product/service that was purchased. I again disputed and sent in documents again-this time to numerous Chase employees that should be concerned and again this was declined with a final note that any future correspondence regarding this issue will be ignored. I have a complete file of documentation now plus I've sent you by mail a good majority of it. You responded to my email indicating to submit on line. Please refer to ALL the good documentation I sent by mail to back this up. This is not right, I have nothing to show for this {$1300.00} plus interest which I have finally paid because I didn't want interest to grow anymore... Please help this receive justice and what is correct. Please don't allow this company to take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All companies listed below have violated my rights. 

Achieve 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 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  PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!

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 2023-03-06 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All companies listed below have violated my rights. 

XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCOUNT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX Bank - ACCT # : XXXX XXXX / Dept. of Ed - ACCT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCT # : XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX - ACCT # : XXXX PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
Constant calls, usually 3 to 5 a day. Regularly violates the 7 in 7 rule. Called my coworkers phone asking for me. One employee I spoke to said like, I just dont understand why you cant pay right now after telling her my first child was just born.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: PA

Complaint narrative:
New and updated information I recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to Experian and XXXX on XXXX XXXX and every 30 days up until present XX/XX/2023. I asked the bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. The collection account is still reporting as OPEN but it's a COLLECTION and how can a collection be LATE 120 DAYS if it is a collection account with a PAST DUE amount. On Experian the account is listed as a collection account with a derogatory status and on XXXX it is listed as an open account Late 120 days with a pat due balance of {$680.00} This is proof that it was not properly investigated. This is a violation of ( 15 ) U.S. code 168i ( 5 ) by law any inaccurate information is to be removed immediately. 

Experian XXXX XXXX Account : XXXX Account type : Collection Payment status : Collection/ charge off Account Status : Derogatory Experian XXXX XXXX Account : XXXX Account type : Open Account Payment status : Late 120 Days Account Status : open Can someone please assist me with this matter 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 explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had money taken out of my account unauthorized. I called my bank and told them to file a dispute, they did the dispute and said there was no errors. I opened another dispute with them. The date of the transactions was XX/XX/2023 for the total amount of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JTM Capital Management, LLC
State: NY

Complaint narrative:
I have tried repeatedly to contact " JTM Capital Management LLC '' regarding this old debt that I am 100 % not aware of! I have disputed this information on my credit report more times then I can count. I have sent letters that are always returned. and the debt always comes back verified?!?!?!?!?! I have come to a point where i'm trying to repair my credit. I have recieved a notice that my information was leaked on the internet. but i'm not sure which debts are mine and which aren't because many are so old! I planned on paying the ones I'm aware of and disputing the ones I don't think are mine. Starting with this company! it's impossible to get ahold of them by mail or phone! Not to mention the account is XXXX XXXX XXXX and the statute of limitations in NEW YORK State is 3!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, XXXX, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-03-06 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: GA

Complaint narrative:
I had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXXXXXX XXXX  {$610.00} XXXX XXXX XXXX {$2300.00}

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 2023-03-06 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: GA

Complaint narrative:
I had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXX Bank {$610.00} XXXX XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : 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 2023-03-06 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:
Hi, I have a dispute with Capital one CC  company, my account number ending in XXXX, original dispute XX/XX/23, complaint filed with Michigan Attorney General. I did a FULL balance transfer of {$210.00} AWAY from Capital 1, the balance transfer overlapped my due date by a few days and Cap 1 charged my account a let fee plus interest. I refused to pay a late fee plus interest on a balance transfer. I filed a complaint with Capital 1 and they did NOTHING to resolve the issue. This went one for 3 months as I refused to pay it ( which also reflects on my credit ). It was only when I filed a complaint with Michigan Attorney General that Capital 1 took steps to resolve the problem. 
Per Capital 1 's resolution letter to me ( XXXX XXXX ), they " credited '' my account back the {$150.00} ( all of this was late fees and interest after PAYING OFF my balance ) which they should have never charged me in the first place. 

Now, I have to file another complaint to have this removed from my credit report. Plus they never closed my account like I asked them too. 
...... 
Even though the dollar amount has been resolved, I'm writing you because this NEEDS to be reported. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief