vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy. 

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy.

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair 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 explanation
Consumer complaint received 2023-06-04 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: OK

Complaint narrative:
Re : Disputing error [ s ] /Negative information on Credit Report This letter is a formal complaint that you are reporting data that I have collected to be inaccurate and incomplete credit information. I am distressed that you have included the harmful information below in my credit profile and that you have failed to maintain proper consumer law procedures in company operations to guarantee maximum accuracy in the credit reports you have published. 
Credit reporting laws including : C.F.P. B 1022.42 ( a ) Reasonable policies and procedures concerning the accuracy and integrity of furnished information. 
This clearly states ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.

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 2023-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

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 2023-06-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to you guys a while ago asking about those negative items After the investigation, the items were deleted. Unfortuately, the joy was short-lived. The items have returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I haven't received any of this, because of this, I am demanding you remove all information associated with these debts from my credit report instantly! If the information isn't removed from my credit report in 15 days I will be forced to start Litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to you guys a while ago asking about those negative items After the investigation, the items were deleted. Unfortuately, the joy was short-lived. The items have returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I haven't received any of this, because of this, I am demanding you remove all information associated with these debts from my credit report instantly! If the information isn't removed from my credit report in 15 days I will be forced to start Litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB )

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 2023-06-04 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX You are in direct violation of the Fair Credit Reporting Act ( Exeter is the company and account number is XXXX ) 15 U.S.C 1681 section 602 A. Clearly States that 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 my account without written consent.

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under the The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: DC

Complaint narrative:
Federal law requires the three major credit reporting companies to offer consumers free credit freeze services that should block most unsolicited credit inquiries. Experien offers such a credit freeze that seems to comply with the minimum requirements of federal law. However, about a year ago Experien began offering a paid " credit lock '' feature. The credit lock appears to work similarly to a credit freeze, especially at first glance. 

Since the introduction of that " credit lock '' product, visitors to the Experian site who have instituted a credit freeze have been greeted with a message that their accounts are " unlocked '' and that they would have to pay a subscription fee to lock their account. At the same time, Experian has buried links to their " security freeze '' page so that they can not be easily found. The impression is that sellers of financial products as well as criminals have unfettered access to your credit details until you pay Experian a fee. 

Experian should be required to prominently display its mandatory " credit freeze '' options on the home page of its website, including on navigation menus. The site should explain with clarity and specificity that any paid offerings are in addition to what is available to the consumer for free under federal law. While Experian will say that they do provide this information, the problem is that the priority is to encourage customers to purchase services they may not need or want. It is highly likely that the way Experian is presenting this information has caused consumers to pay for credit freeze protection that they are legally entitled to without charge.

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 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received an escrow analysis from Fifth Third where I have my mortgage. I changed Insurance companies XX/XX/2023 and they paid both my old insurer and the new one. 
They are now asking me to have the old one pay them direct in a specific way. The old one is trying to send the check to me to deposit back into my escrow.

In the meantime, Fifth Third has sent me a increase in my payment of almost XXXX per month, knowing full well they don't actually have that big of a shortage b/c the check they paid to my old insurance company will be deposited back to them. 
They played this game last year as well with my escrow, which was overpaid. They quickly sent me a large check with my overpayment and still raised my payment. It was only XXXX per month, so I didn't pursue a complaint after speaking with them. 
This time it is intentional and unnecessary, b/c they have factored in the return of the funds they will be getting, which they paid out from the escrow account I have been paying into for the entire year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local chiropractor from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/22 - XX/XX/22. -Proof of departure from merchant XX/XX/22. -Proof of XXXX stay. -Invoice proof of damages. 

The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the 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 explanation
Consumer complaint received 2023-06-04 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: OK

Complaint narrative:
Re : Disputing error [ s ] /Negative information on Credit Report This is a formal complaint that Experian is reporting data that I have collected to be inaccurate and incomplete credit information. I am distressed that they have included the harmful information below in my credit profile and that they have failed to maintain proper consumer law procedures in company operations to guarantee maximum accuracy in the credit reports they have published. Credit reporting laws including : C.F.P. B 1022.42 ( a ) Reasonable policies and procedures concerning the accuracy and integrity of furnished information. This clearly states ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.

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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This company reported to my credit reports with not authorization on doing so. Never contacted me regarding this debt and now my credit score dropped due to this collection that I'm not responsible of. 

I need this to be removed immediately from my credit reports. 

Name of Company : XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00}

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 2023-06-04 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: NC

Complaint narrative:
Hello I wanted to report that this company is violating my rights under Fair Credit Reporting Act 15 USC 1681-6028 that states I have the right to privacy & 15 USC 1681- 6042 that says I have to give written permission to put on my report Both of these have not been done. to the following companies. 

XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would request that these companies info would 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 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
Received a letter from attorney with po box in California, but send payment to po box in Texas. For a XXXXyr old adjudicated court case. The letter wanted a large sum of money or actions will be taken against me. The usual ones, garnishment and levies..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ive been receiving statements for a card I never applied. My ss is compromised which makes this card a fraudulent.

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 2023-06-04 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: AZ

Complaint narrative:
On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and 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 2023-06-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called XXXX XXXX XXXX. Issues with the loan refinance arose after it was assigned to XXXX. XXXX never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by XXXX. I attempted to speak with XXXX customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite XXXX not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. XXXX then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. XXXX by their failures with this loan has not only destroyed my credit, it has caused emotional distress and 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