vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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:
Attempted to dispute. Told I could not dispute then transferred to another department that disputed. Within an hour they stated it was verified. Failed to investigate. Violation of FCRA violation. 

Allowed my report to be accessed without authorization. Experian stated they dont have to verify authorization from me to let someone access my credit report. Spoke with XXXX in special handling at Experian.

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 2023-08-21 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: MD

Complaint narrative:
Delete Hard Inquries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried to obtain my credit report from TransUnion. After attempting to login, the login paid continued to notify me of incorrect credentials. I clicked a link for forgotten login information and was taken to a page that requested my FULL social security number twice and my last name. After completing the information and clicking the submit button, the page refreshed to an empty form as if i never completed the information to begin with. I then contacted Transunion and explained the problem. I was transferred to the " online team '' and was told by an agent they could send me a reset password link to my email. I was sent a password reset link and used the link to change my password. After changing my password I was sent a verification code. After entering the code on the website I then received a message that said " Identity Verification Failed : Failed safety check ''. I told the agent on the phone the issue and he started to speak but then i heard nothing. I tried to stay on the link and hear any response and heard no response. I had to hang up the call and call back. The second time calling back an agent picked up and I was told to hang up and call the online team 's number, instead of being transferred. The agent from the online team asked me for my full social security number, which was not asked for during the previous conversation with the online team. I notified the agent that I was concerned as I did not give that information out last time, and his language was mean, " snippy '', and unprofessional so I decided to hang up the call. I then called again and after getting to the online team for the third time, I explained my login issue again. This agent did not ask me for my full social, he asked me for the last 4 digits of my social security, name and birthday. It was very difficult understanding him. After verifying that information I was told TransUnion locked my account to identification failure. This did not make sense to me as weeks prior was on the account and disputed some accounts on my report. I completed the verification process when signing into the account. I was told to send in personal documents to unlock the account. I tried to gather information about the documents needed to send in and became frustrated not being able to understand the agent. I am being locked out of my account for identity problems yet I am getting notifications through XXXX that accounts on TransUnion are being updated with false information. So TransUnion is allowing my account to be updated yet I am not being allowed to login to see the information.

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 2023-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
MADE A COMPLAINT AGAINST SUNRISE CREDIT SERVICES AND XXXX XXXX ON XX/XX/2023 BEING ASKED FOR MORE INFORMATION AND WHICH COMPANY ARE I COMPLAINTING ABOUT SUNRISE CREDIT SERVICES IS WHO IS STATING THE INCORRECT INFORMATION TO ALL THREE CREDIT REPORTING SERVICES THE COMPLAINT ON XX/XX/2023 NUMBER IS XXXX SUNRISE CREDIT SERVICES HAS NEVER TRIED TO CONTACT ME ABOUT ANY OF THIS NOT BY PHONE, EMAIL, OR MAIL AT MY ADDRESS THEY ALSO HAVE TWO DIFFERENT ADDRESSES AND NOT PROVIDED A PHONE # OR EMAIL SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX NY XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX NY XXXX XXXX CREDIT SERVICES NEEDS TO REMOVE FROM ALL THREE CREDIT REPORTING SERVICES

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 2023-08-21 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: Velocity Portfolio Group
State: NC

Complaint narrative:
Account appears on customers credit profile twice. I have reached out to both CKS Prime Investments , LLC XXXX XXXX XXXX XXXX XXXX 
CKS PRIME INVESTMENTS , LLC Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXXXXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/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 2023-08-21 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: CT

Complaint narrative:
The Credit Reporting Agency TransUnion had access to and knowingly stole my non-public information and furnished a credit report. They are a non-affiliated third party as I have them no written permission to do so

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX XXXX OR XXXX XXXX XXXX.PLEAASE PEMENITY DELETE XXXX XXXX FROM MY RPORTS IS ISNT MY NAME...

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
We have banked with Boeing Employees Credit Union ( BECU ) since XXXX ; the account in question was opened in XXXX. We have XXXX accounts ( checking and savings ), same ownership, with a balance of {$40000.00} at the time of the incident. There has never been an incident of non-sufficient funds. 

On XX/XX/XXXX, we received a BECU cashier 's check in the amount of {$15000.00} for the sale of a vehicle. We went into a location branch, and happened to catch an employee walking by ; we asked how to have the check deposited without a hold. He said we'd have to wait to see an employee, and it was quite a process to do it. We decided not to wait, and made the deposit from home. ( BECU does not have tellers, only platform employees. ) On XX/XX/XXXX, we received a letter regarding an " exception hold ''. We were advised that because our deposit exceeded {$5500.00}, they were holding {$9400.00} until XX/XX/XXXX. 

I called their XXXX # to question this, since it was their own cashier 's check, we had more than sufficient funds in our accounts, and we were established customers. I was told they put holds on all checks over {$5000.00}, no matter the source of funds nor the account relationship. 

On XX/XX/XXXX, I moved the funds to another institution, because of this lack of customer service. 

I had the same situation in XXXX, with a hold placed on a check when there was more than enough funds to cover it. I called BECU when I got the letter, and told them I had already written a check against those funds ( again, their letter was received several days later ). The representative told me they would pay the check ; they did not. It was returned for " uncollected funds ''. 

I believe BECU is harming customers by not making what are " good funds '' immediately available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a formal complaint against Capital One Credit Cards regarding their refusal to accommodate my request for a financial hardship review. Despite being on public assistance and facing severe financial challenges, I have encountered significant resistance from Capital One in obtaining the necessary assistance to manage my situation. 

I have been a loyal customer of Capital One Credit Cards for several years and have always strived to meet my financial obligations. However, due to unforeseen circumstances, I am currently experiencing extreme financial difficulty, and my ability to make monthly minimum payments has been severely impacted. I reached out to Capital One requesting assistance in the form of a financial hardship review, which would include waiving late fees, lowering interest rate, arranging a feasible payment plan, or even settling the full balance at a reduced rate. To my dismay, I have been met with rejection on all fronts. 

I am deeply frustrated and disheartened by the lack of empathy and understanding demonstrated by Capital One 's representatives. While I understand that credit card companies operate within certain guidelines, I believe that there should be room for compassion and assistance in cases of genuine financial hardship, especially considering my consistent payment history prior to these difficult circumstances. 

I have explored various avenues to resolve my financial situation, and my request for accommodation is not made lightly. The refusal from Capital One has left me in a state of uncertainty and distress, as I am unsure how to navigate this challenging period without their cooperation. 

I kindly request your intervention and investigation into this matter to ensure that Capital One adheres to fair practices and provides assistance to customers who are genuinely struggling. I believe that a reconsideration of my case and a willingness to work with me to find a suitable solution would not only be in my best interest but also align with ethical and responsible lending practices. 

I am grateful for the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights and promoting fairness within the financial industry. I look forward to a prompt resolution of this matter and appreciate any support you can provide in facilitating a productive dialogue between myself and Capital One. 

Thank you for your attention to this pressing issue. Please do not hesitate to contact me if you require any further information or documentation from my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Based on US Bank 's response to complaint XXXX and the refusal to issue opening bonus to my checking account, I would like to close my banking relationship with US Bank . However, there seems to be no way to initiate account closure online or at least I could not find a way. Please close my checking account and both my US Bank credit cards. 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 non-monetary relief
Consumer complaint received 2023-08-21 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:
On XX/XX/2023, {$500.00} was charged on my XXXX XXXX XXXX  at Victoria Secret in XXXX, I contacted the credit card company to disputed it, however my dispute was denied by the credit card company. 

Joint card holder/my wife and I did not make the purchase or have not been to XXXX, my wife has Victoria Secret card, never use other cards at Victoria Secret . 

This is a fraud by a fake card, it is very suspicious obviously according to the transaction record XXXX provided to me, however Victoria Secrete worker did not check their ID at cashier.

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 2023-08-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I sent transunion a dispute in early XXXX for incorrect information on my report. They did not respond until XX/XX/2023. The letter said that due to isolated technical issues they were not able to deliver my results in the required time. I called them XXXX XXXX and was told they sent my results of my dispute in the second week of XXXX. However I never got that letter. I further informed them that the letter was dated XXXX so how could I get a letter for the results in XXXX. No answer was given. I was informed that I could redispute my issues however.

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 2023-08-21 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: MD

Complaint narrative:
Delete Hard Inquries. 

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 explanation
Consumer complaint received 2023-08-21 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: CA

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 U.S.C 1681. 

Has Violated my rights. 

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 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 non-monetary relief
Consumer complaint received 2023-08-21 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: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about early XX/XX/2023 I received confirmation from Wells Fargo Bank that Ive been approved for the Loan Modification. And everything was confirmed on my part by way of communication with the Preservation Department that I agreeing to pay the required monthly amount. However on today XX/XX/2023 Wells Fargo appeared to have reneged on its oath because they had their XXXX XXXX XXXX send me a Court Filing Notice Stating that my property is still in Foreclosure and will be up for XXXX XXXX on XX/XX/2023. However when I contacted Wells Fargo on today about this matter I was told that in some states such as Pennsylvania they can not stop Foreclosure and they will not inform the individuals working for them to stop their constant harassment. Then to add an insult as youll see they purposely mentioned my late mother XXXX XXXX XXXX name on the document. This particular third party is working with Wells Fargo and illegally with my Step Father XXXX XXXX to whom hasnt been seen since XXXX knows when and he didnt even attend his wifes ( My Mothers ) Funeral

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 2023-08-21 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: NJ

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. 

I told the XXXX, Trans-union , and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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