vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: AZ

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did never started the Consumer complaint filed on XX/XX/2023 I Resent The Complaint twice with time-stamped recite by fax They refuse to investigate and validate the items listed in exhibit C with XXXX XXXX the items liste are fraudulent charges. 
They keep sending items to need that were provided in the Filing

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 2023-08-22 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: PA

Complaint narrative:
Reporting late payments to the credit bureau that when I was not late. Then refusing to update the records.

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 2023-08-22 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: CA

Complaint narrative:
TD AUTO FIN XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX BANK XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2023-08-22 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: NC

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a call from XXXX XXXX XXXX about debt elimination. I spoke to a XXXX XXXX who was the Financial Educator. I only spoke to her twice. The other times have been to XXXX XXXX with the same title. the phone number and address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, website : XXXX Phone number : XXXX. I had a Capital One, XXXX and XXXX XXXX XXXX XXXX XXXX. I owed XXXX and Capital One nothing. this started in XXXX, XXXX. I owed a lot of money to XXXX like {$10000.00}. I was told not to use these three credit cards nor speak to any lenders or make payments to these companies. Disregard all statements and letters regarding enrolled accounts unless it is from a. Collection Agency without XXXX or XXXX. Disregard any phone calls regarding debt elimination, debt relief and debt consolidation. I did just that and signed a statement. 
I made calls throughout this process. On XX/XX/XXXX I was told that I was XXXX XXXX through the process. On XX/XX/XXXX I was told it takes 4-5 months for banks to offer to settle but not to accept. I was told that I was in Phase 4. XXXX, XXXX I received a collection letter for Capital One. XXXX, XXXX I called to get an update. Phone answer is a recording to leave name and number and they will call back. XX/XX/XXXX I was told that they started working on getting inquiries off of my credit report to improve my score. XX/XX/XXXX no response. Nothing changed on credit report that I am aware of. I called XXXX to followup and got no answer just the recording. 
Until XXXX XXXX XXXX I noticed and enrollment fee and Descriptor of {$3400.00}. That is the amount charged on XXXX XXXX card. I am paying on it. 
They claimed to be a credit restoration company. I should have checked with XXXX. I was in a state of panic and still am. 
Please HELP me. Ihave XXXX XXXX XXXX  Reponse is Click here to inquire or call XXXX at XXXX or XXXX. I have. the first number XXXX XXXX comes up and says check number ane the other just disconnects. 
I don't know where to turn for help on this SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
This is for XXXX XXXX XXXX, that they were supposed to come and pick up and NEVER did. I told them, I still have it, if they would like to come and get it, but I WILL NOT pay for something that is due to the company 's fault.

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 2023-08-22 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Used Synchrony/Sam 's Club XXXX  regularly paid off balance every month XX/XX/2022 balance was paid off by XXXX XXXX XXXX  was not applied to my statement appealed statement and provided proof of funds transferring from bank account to Synchrony back and forth with Synchrony for several months eventually, Synchrony double billed me for the original charge and refused to credit account now, trying to get loan for kid to attend college and an adverse report on my credit prevents me from getting student loan

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 monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NY

Complaint narrative:
AS OF XXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 1 inquiry These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
My mortgage company is withholding my insurance property claim money and not accounting for its whereabouts and hindering me being able to get repairs completed. They will not endorse checks and when they do they keep money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TX

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello, I am writing regarding XXXX overdraft fees charged to my Citizens Bank checking account. On XX/XX/2023, there was a debit from my account for my retirement. The debit was not supposed to occur in XXXX as it was deferred for XXXX and XXXX. Unfortunately, this caused my checking account to go into a negative amount. I obtained credit for the incorrectly charged amount on my retirement account. This was noted in my checking account on XX/XX/2023. In the meantime, my bank charged me XXXX overdraft fees. I contacted the bank on XX/XX/2023, via telephone and was told the bank can only reverse XXXX overdraft fee. I told them that based on the circumstances, it seems unfair not to reverse all three. I also tried going to the local branch on XX/XX/2023, but the teller told me the bank can only reverse XXXX overdraft. She did not bother to listen to the circumstances of my request. I asked to speak with the branch manager but the manager was supposedly speaking with a customer. After XXXX minutes I left. I am looking to have these XXXX overdraft fees removed. Please contact me with whatever information you need. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Incident time and location : XX/XX/23 XXXX pt time, on th phone XXXX with capitalone employee XXXX ID number : XXXX Details : My checking account fund of XXXX dollars are not being used or transfered im behind my mortgage payment and medical bill, needing the fund immediately. 

I uploaded my government ID per email instruction and called today to make sure my account is cleared. When I spoke with XXXX, she was more introgating no-banking related questions, she asked where I'm and if I'm in the United States , what I'm going to use this fund for and how I'm going to fund this account, I qustiond her about these intrusive questions and expressed my discomfort, instead of assisting me to address my need she is roboticakly striking her on her keyboards document diligently and I happened to find out my conversation about my plan to XXXX is documented in my account note, I questioned again why all these and how long i have to face these experiences, she replied it is up to capital one and it depends and it is to capitalones discretion. informed her I refused to answer and I feel I being treated like a criminal by her and the bank and it is my fund I need yo withdraw, she then bluntly stated I'm not going to remove your restriction then I requested to speak with her supervisor she questioned me why I explained I need to address my experience and ask the manager to further assist my withdrawal request. She put me on hold twice and the call disconnected. 

In addition to this incident, I have encountered other checking account issues and credit card acckunt issue, basically, capital one deducted my checking account fund but not reflecting the payment on my credit card balance at all or they will reflect partial of it, these strange incidents making worry if they are using my fund to invest their financial products and causing my fund delay. 

Appreciate your assistance. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: OR

Complaint narrative:
Dispersal of funds - claim XXXX. 
My insurance company sent a check ( {$130000.00} ) for loss of house and I sent it to my mortgage company. The first check was deposited XX/XX/23. The second one deposited on XXXX  This check was for remaining coverage ( {$27000.00} ) and demo and removal of old house ( {$6700.00} ). 
On XXXX XXXX XXXX, I sent a copy of floor plan and purchase agreement and XXXX said it had to be approved by corporate and takes 8 to 10 days. I talked to them by phone XXXX XXXX XXXX XXXX XXXX, plus emails. I also called the in XXXX and XXXX plus email. 
On the XXXX XXXX XXXX, XXXX called and said she would send a check and tracking. I haven't heard from her since and no check. 
On XXXX XXXX, I emailed her 2 receipts for demolition and removal of old home which covers the {$6700.00} my insurance sent. I haven't received that check nor have I heard from her. 
I also emailed her on XXXX XXXX  and no answer. 
I called today, XXXX XXXX, left msg, no answer. 
In summary, I called on XXXX XXXX and XXXX said they had everything needed to process the claim except for corporate approval. It is now XX/XX/XXXX and no check. 
I originally asked for {$110000.00} as this is a manufacturer house and they require half down before starting to build it and the other half before delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX - Inaccurate information, list twice duplicate account, paid as agreed XXXX XXXX XXXX XXXX Inaccurate information, was not a charge off, reporting incorrectly, accounts over 7 years XXXX XXXX XXXX - Inaccurate Information, was not a charge off, reporting incorrectly, account over 7 years XXXX XXXX account over 7 years, reporting incorrectly, and inaccurately, duplicate accounts on report XXXX XXXX account over 7 years reporting incorrectly, and inaccurately, duplicate accounts on 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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Account is missing or not being reported on my credit report, from XXXX XXXX XXXX XXXX, these are good accounts XXXX XXXX account is missing or not reported on my Credit Report from XXXX XXXX XXXX XXXXXXXX, these are good 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