vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I kindly request XXXX XXXX XXXX account with a monthly payment of XXXX be removed from my credit report.Currently, this account is undergoing arbitration proceedings as there are several issues surrounding this account, and it is essential that each bureau continues to be in compliance with the law and that all reasonable efforts are made to verify the accuracy of the information before permitting its reporting. In accordance with the Privacy Act of 1974, as well as the the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), which underscores the critical need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. XXXX and Experian are recognized as consumer reporting agencies, while I, as the consumer, retain the fundamental right to protect my personal information. 

This right is reinforced by 15 USC 6801, which establishes the congressional policy that every financial institution maintains an ongoing obligation to uphold the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: 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. 


Account name : XXXX Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-12 00:00:00
Product: Credit reporting 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: 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. 


Account name : XXXX Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I disputed the account several times and have asked for statements from when the account was first opened up until how much the alleged balance on the account. I have not received requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I have never done business with XXXXXXXX XXXX. I have never given them my social security number or my signature. So It needs to be deleted from my XXXX and my experian credit report. using the permissible purposes law 15 USC 1681b. Asap

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX  : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX have 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 : 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 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 ) : States 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 the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX Account 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 2023-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I was sent in writing by the loan officer, XXXX XXXX XXXX, I didn't qualify for a mortgage due to residing in different states and overseas. That should have nothing to do with getting a mortgage. How does the military ever get a mortgage if that's the case? 


UW Comments : Borrower has not resided in one place of employment or residence for more than 6 mos a time. Resided in several states including 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 2023-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
On or around XX/XX/XXXXXXXX  through XX/XX/XXXX I applied online for a loan of {$2000.00} from PNC Bank. I was approved and was told to go to branch and sign loan documents which I did on XXXX XXXX at approximately XXXX. I went to the XXXX XXXX Branch on XXXX XXXX and met with banker XXXX XXXX who produced documents for an unsecured loan and a cashiers check for XXXX XXXX dollars, which was cashed, I then left the bank. On XX/XX/XXXX at approximately XXXX I returned the money for the loan as it was no longer needed to teller XXXX XXXX. I have had many dealings with this teller as she has handled many transactions for me over the years.She asked for my drivers license, and bank card and I gave her the XXXX XXXX and told her to apply it to the loan, which she did. For the next few days there was a XXXX balance on the loan untilXXXX XXXX when I noticed that the bank had put the loan back on. I called the branch and was hung up on three times. I finally reached XXXX XXXX the asst VP told him what happened and he said he would look into it. I was told to wait a couple of days and then it was escalated to executive client relations XXXX XXXX and XXXX XXXX. They kept insinuating that the loan was not paid and I asked them to pull the security tapes which they still have not done for the payoff date of XXXX XXXX. I have consistently been informed that after paying the loan I called in for payoffs ( I Have mobile banking did n0t need to ) XXXX XXXX said that maybe paid something else always story. On XX/XX/XXXXXXXX  i along with my wife went to the branch spoke with the teller XXXX XXXX and asked if she remembered the trans action, she did vividly, the amount, where it was applied and we had a talk about our children and the upcoming school year. I asked if anyone had interviewed her about the missing money and she said I did not even know about it.I then went and spoke with XXXX XXXX and asked if he asked the teller involved about the transaction, he replied I have not talked with anyone.I asked if he could call XXXX XXXX into the office to corrobate my claim and then inform escalations in PNC. He Stated '' It does not work like that. '' It is my opinion that they dont even have the tapes which should be time stamped, and dated. They put the loan back on, refuse to take it off even with a paid in full letter dated XXXX XXXX  from PNC thanking me for paying the loan in full. Please help they are trying to destroy my credit and reputation Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. 


( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently was a victim of a car burglary Case number XXXX  XXXX with the XXXX XXXX XXXX. Numerous items were stolen from my vehicle such as my personal identification ( SSN ), financial documents, driver license, including but not limited to my laptop which has all my passwords saved on it. Along with several credit cards, it. I lost access to my personal information and encountered several compromised accounts. this has resulted in fraudlent activity on a multitude of financial and many attempts to further compromise me. I had to dispute due to fraudenlent activity a total of 24 transaction that went through along with numerous others that were attempted by an individual utilizing my capitol one stolen Credit card ( s ). which resulted in numerous credits as they undergo investigation further more I recently paid my balance in full for the account which including a late fee and 2 months worth of interest charges on the XXXX of XXXX before my cards were unknowningly compromised. However ; I was recently still charged interest on the full balance of the account for the charges that were disputed and flagged and it was stated the reason being was because capitol one will charge interest for consective months until ( 2 ) successful full payments are made. I further disputed how I could owe and pay a payment on a XXXX dollar balance if it's paid in full and was denied access to the terms suggestion other wise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is incorrect personal information on my credit report ( My Name and 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 


Account name : XXXX Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - XXXX  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 of 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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HW Holding, Inc
State: VA

Complaint narrative:
A company is making me pay money for things I didn't do and I believe its because I'm XXXX I was leasing out a property I decided to break my lease I left like they wanted me to but they are making me pay for damages I didn't do I was being Harrass through messages and calls to leave the property before even seeing the judge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Multiple attorneys from XXXX XXXX XXXX XXXX., who names I have listed in various CFPB complaints in the past, continue to violate the Fair Debt Collection Practices Act. These violations have been brought to all the attorney 's attention but they continue to willfully commit harassment, ongoing threats and produce false and misleading documents in attempts to collect an alleged debt. I have attached exabits for proof of these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In approx. XXXX, I opened a Wells Fargo credit card with a credit limit of {$4500.00}. I paid my monthly payments every month on time and most months I paid more than the minimum amount due. 
In XXXX of XXXX, my area of XXXX Florida was affected by Hurricane Irma. Due to raising a small child, the cost of preparing for this hurricane was creating a financial burden. On XX/XX/XXXX, I received an email from Wells Fargo Hurricane Irma Support ( attached ) stating that I may qualify for payment relief for 90 days. I was hesitant but called and spoke with a representative. Because I was in the direct impacted area of Hurricane Irma, I qualified for the 90-day payment relief, waiving of late fees and a pause on interest. I was advised that my payments would resume in XXXX of XXXX. 
A few weeks later I started to receive calls and emails that my payments had been late ; at this time demanding interest and fees that I simply did not have. I explained the agreement and the Wells Fargo representative would not talk until I made a payment. In XXXX of XXXX, Wells Fargo was demanding over {$1500.00} from me, just to even speak with a representative. In XXXX of XXXX, Wells Fargo closed out my credit card. 
In XXXX of XXXX, I started to receive advertisements in the mail for attorney representation. I went to the XXXX XXXX XXXX XXXX XXXX XXXX website and seen that on XX/XX/XXXX, Wells Fargo filed a civil complaint against me for non-payment of the credit card. I immediately reached out to the attorney that was representing Wells Fargo ( email attached. ) My email to this attorney went unanswered. I then began to consult with attorneys and reached out to Help Me Howard for assistance. Unfortunately, I was not able to financially hire an attorney.

Please see emails and civil complaint attached. The civil complaint will show that in XXXX of XXXX, Wells Fargo was stating my minimum payment due was over {$1500.00} and included interest and late fees. 
Had I had known Wells Fargo would not have lived up to their agreement on Hurricane Irma Support, I would have not accepted this support and would have continued to make the minimum payments as I had been doing. Wells Fargo set me up to fail, did not abide by their agreement, charging me erroneous fees and undue hardship to my credit file.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
Spoke to representatives from XXXX XXXX XXXX XXXX. 
They stated that this account was open in the state of Pennsylvania using a phone number and email address that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief