vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof XXXX  they just ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof nut they just ignored me.

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 2023-05-16 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: TX

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. 

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 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.

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 2023-05-16 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: TX

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. 

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo advertised a promotion online to receive a {$320.00} bonus during the months of XXXX and XXXX. 
The promotion was advertised to follow a link online and all prompts during opening add {$25.00} and receive qualifying direct deposits and there were no other necessary steps as it was automatically applied by going through specific link. 
After my 90 day period I did not receive my bonus I called to see the status of this bonus and I was informed there was not one available to me and there is no promotion that could be found during that time. I was misled with false advertising and assurance. 
There were no other qualifications disclosed on the website.

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 2023-05-16 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX In Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 instruction

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a notice that I was getting an ACH deposit. They did not specify the amount, however I was expecting a refund from State of NJ for the Anchor property tax relief program for the year XXXX. They refused to deposit because I hadnt file this years taxes at the time and could only provide tax returns for prior years including the XXXX  year which the payment was for. On XX/XX/XXXX they sent another email stating that they returned my payment. As of today, NJ state anchor program has not received the returned payment and when I called chime they told me that I needed to prove they didnt return the money to NJ state and that if I got an email that said they did then I have to believe it. They only allow contact through email unless its general business. They are basically holding my money hostage. I shouldnt have to provide This years tax returns for a refund from XXXX. I also sent mine and my husbands Identification as well as tax records. I also never get a representative that I can understand clearly, which makes communication very hard. This is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid off my XX/XX/23 to XX/XX/23 statement. The statement amount due was {$8000.00} and I paid {$8000.00}. I was charged interest of {$98.00}. 
The company informed me I need to go 2 months of have balances paid off without getting charged the interest fee. 
They should put that information up by the amount due area- " even if you pay off this balance we will still charge you interest '' Plus how do they calculate?

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 2023-05-16 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: SLM CORPORATION
State: TX

Complaint narrative:
This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

Sallie Mae is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes XXXX days to reflect. It reflected after XXXX and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I owned a BJ master card for a long time, and all of a sudden it sold to Capital One. 
Now while I hadn't received my card yet, I start receiving call from Capital one to ask my provide ID, SSN, address verification. 

I submitted all the information and after two weeks they get back to me said my address is not matching the address on profile. 

In which I told the representative that the address on their profile is a business address, where I don't have personal name on the utility or bank statement. I was asking them if I can provide my other credit card statement with my name and address, they said no. 

Then I ask if I can use a bank letter with my name, business address, business name on it along with my business bank statement include business name and address to do the verification, and they simply said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IN

Complaint narrative:
I made the following payments to MOHELA XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$6000.00} I have proof of all these payments to MOHELA on my bank acocunt. 
MOHELA lost my payment made on XX/XX/XXXX for {$800.00} I sent them my bank statement. 
I keep getting different stories from CSRs. 
THey lost {$800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the black market, I need these to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IN

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach and the black market, I need these to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA  BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
I sent a dispute letter over 90 days regarding account XXXX XXXX XXXX XXXXXXXX. Please send me the proof that you ever did an investigation on this late payment. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing this complaint in the hopes of helping to fix a broken component of the 3 credit bureaus reporting system. 

When consumers pay to pull a credit report when checking on an individuals credit history, they do so in the hopes of receiving accurate information. 
This supposed accurate information helps the consumer to make a decision as to whether to do business with someone, give them a loan, lease a car, or let them rent an apartment ETC. One assumes that the credit bureau themselves have done the proper due diligence for this information to be available. 

Truth be told, the 3 credit bureaus have a policy now to NOT allow the individual landlord, or in fact, any landlords that have less than XXXX units, ( or in the case of transunion, less than XXXX units ), to give any information about renters who have stopped paying their rent. The 3 unions refuse to take this information. Of course, tenants who stop paying their rent and even never pay what they owe the landlord at all, are the kinds of consumers that other landlords, loan brokers, and car dealerships etc hope to discover when they pay for and pull a credit report. This should not be the case. 

In fact, even when a small claims court judgement is rendered, they now will no longer notify the 3 credit bureaus as they have found it too cumbersome. So even with a court judgement and proof that someone has ongoing ( even years of ) unpaid rent, that information will not show up on their credit report. 

This helping the credit bureaus bottom line should not be allowed and should be rectified. 
The 3 credit bureaus are selling a service in good faith, whereby with their information consumers make meaningful and expensive business decisions. It is the credit bureaus ( legal? ) responsibility to do their due diligence and give the business consumer accurate information since when paying for the 3 credit bureaus services, that is what the business consumer is assuming they are getting.

If the 3 credit bureaus not care to fix this injustice, then a large capped disclaimer should be at the top of every single generated credit report stating all the exclusions of bad credit that the credit report WILL NOT REPORT. In the case of delinquent renters, these are massive in numbers as many of the rental units across the country are in buildings with less than XXXX units and XXXX units respectively. 

I hope and trust that this matter will not be passed over. 

Sincerely, 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 2023-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I received a fraud alert from two of the major credit bureaus and a government credit monitoring agency informing me that an account with Bank of America has opened by using my social security number. I immediately tried to contact Bank of America with the information provided by the credit bureaus with no success. It seems that you must have an account to talk to a live person over the telephone. I have yet to hear anything from Bank of America.

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 2023-05-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to a breach from Equifax ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated contact with the collection agency, formally requesting that all further communication cease, as the aforementioned debt lacks validity. 

In addition to this request, I dispatched an official letter to the designated mailing address, sent via certified mail with a signature requirement. The purpose of this correspondence, dated XX/XX/XXXX, was to request substantiating evidence and documentation pertaining to the alleged debt. It was explicitly mentioned in the letter that I expected a response within 30 days. 

Despite the passage of the aforementioned 30-day period, I have not received any communication from the agency in response to my letter. In light of the agency 's failure to comply with my request for proof of debt and the subsequent inaction within the stipulated time frame, I feel compelled to report this matter. Furthermore, I must emphasize that the debt remains present on my credit report, as it has not been removed as per the law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation