vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 explanation
Consumer complaint received 2022-12-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have review my credit report and I keep seeing burnout inquiries on my credit report that I did not do I reached out to have them removed but I did not get a response this is fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Please have these items removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have review my credit report and I keep seeing burnout inquiries on my credit report that I did not do I reached out to have them removed but I did not get a response this is fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX  XXXX - XXXX 15 USC 1681 Section 602 States I have the right to Privacy 15 US. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written permission 15 US. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Please have these items 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 2022-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via XXXX certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Home Depot Credit Services contacted me in XXXX about an alleged late payment on my account ending in XXXX. I did not recognize the purchase amount nor the date it allegedly occurred, and I filed a fraud claim with the card issuer. I also made a ~ {$600.00} payment at that time to bring the account current. Home Depot Credit Services reported negative information to XXXX, XXXX, and XXXX credit reporting agencies. On XX/XX/2022 I received a letter from Home Depot Credit Services notifying me that there is a {$790.00} credit balance on my account. I called the card issuer and requested a check to be mailed to me for the credit balance on the account. At the same time a senior account representative refused to correct the negative information with the credit reporting agencies.

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 2022-12-06 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used a Care Credit card issued by synchrony Bank 2 years ago to finance XXXX work. This month after paying the balance down to {$1800.00} they attached deferred interest for the original loan of {$4800.00}. I never agreed to this nor was I ever informed that this would occur. When I spoke with a person at the company they told me that no matter if I agreed to or was ever informed about this action they told me that didn't matter that I was liable anyway. I am XXXX XXXX XXXX and on XXXX XXXX  and this is a huge hardship for me. I wouldn't mind if it was just on the remaining balance but they are trying to charge me for the entire loan amount. Please help 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 2022-12-06 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Bank of America card was opened under my name at a different address and charged XXXX. I did not open the card and I do not live or have ever traveled to the area where the credit card was opened or used. I also have never lived in the address that it was opened. Received the credit card in the mail, which is how I noticed there was fraud occurring. The credit card I received was alaska air, so they have apparently opened many other credit cards under 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 non-monetary relief
Consumer complaint received 2022-12-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Angel Oak Home Loans LLC
State: TX

Complaint narrative:
On XX/XX/2022, sent and verified via Certified Mail, Angel Oaks Home Loans LLC received a request for full disclosure of the amount due on our precomputed consumer credit account and a demand for a prompt return of our unearned interest. They were notified that they had a XXXX  day period to comply with our request pursuant to 15 USC 1615 of the Truth in Lending Act and they have failed to comply. Its past the XXXX  day period in which they were to give us a prompt refund of our unearned interest as well as give full disclosure of the amount due on our precomputed credit account. I have called them twice in connection with our request and they have failed to comply with an oral request in addition to failing to comply with a written request. They have acklowelded my request but have not done what is required under the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There has been multiple addresses reported to my Experian credit report. I called they and they removed all false addresses with the exception of one. 

XXXX XXXX XXXX XXXX XXXX  This address does not belong to me. Please help in removal of this address.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I had made calls to Regions Bank in the XXXX and XXXX time frame for issues with them charging me overdraft fees after I would check my account and it stated funds were available. I had called they told me that the other transactions hadnt posted yet and thats why I was charged an overdraft fee since they had all cleared and put my account in the negative. I thought that was strange since the available balance had shown I had sufficient funds when I would make a transaction. Overdraft fees were at the {$36.00} amount each time it would happen. I didnt think there was anything that I could do about it, so I left it alone. However, due to the current settlement, I found that I was actually the one in the right.

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 2022-12-06 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: NJ

Complaint narrative:
XXXX, XXXX and equifax show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX- not authorized Inquiry : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX- not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one  time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like XXXX XXXX XXXX XXXX that had no business running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
so I called a few months ago and talked to XXXX about closing one my accounts and moving over the credit limit to my other account. there is XXXX credit limit and I am trying to move it over to my other my I 1st called about it they said they would cover move over XXXX because they have to keep my old account open with a XXXX just in case in charges come in but XXXX told me if I can can keep the account at a XXXX balance for XXXX straight billing cycles and not use at all they would be able to move the whole XXXX limit over. So I did that what XXXX advised me to do and I called customer and they were like you can only move over XXXX just like before and this is what a manager told me over there so I escalated back to the corp office and got this really rude lady named XXXX who we can only move over XXXX and that's the way. it is. I am upset I did everything XXXX told me to do and now they refuse to honor what there Cooperate office employe advised me to do and XXXX was really rude on the phone and hung up on me. I want what I was perviously told by XXXX and they are making excuses and XXXX was basically lying to me and did want to do XXXX advised me to do. I want my XXXX moved over from XXXX to XXXX and to close my XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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