vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX Account # 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.

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 2022-09-09 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: TX

Complaint narrative:
verify data for this account request to be provided proof of this item specific proof about ownership of debt, by consumer protection law if unable to do so lacking proof remove account from my credit report XXXX XXXX XXXX Inaccurate Address on account, no knowledge of account/not mine

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 2022-09-09 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:
verify data for this account request to be provided proof of this item specific proof about ownership of debt, by consumer protection law if unable to do so lacking proof remove account from my credit report XXXX XXXX XXXX Inaccurate Address on account, no knowledge of account/not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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:
Equifax I checked my credit report from you and the account you stated deleted is still on my report enclosed are your response and my credit report still showing account .Please remove the account from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XX/XX/2022, I opened a new Checking and Savings account with Citizens Bank using a targeted promotional offer. The terms of the Savings account bonus were to earn a {$300.00} Savings bonus, you must open your first new personal savings account on the same date as a new checking account and make deposits totaling {$200.00} into the new savings account every month for 3 consecutive months. A total of {$600.00} must be on deposit in the new savings account until the end of the bonus period. I deposited {$200.00} for three consecutive months and maintained that balance through XX/XX/XXXX, which is when the bonus should have been paid. I did not receive the bonus and contacted Citizens Bank customer service on XX/XX/2022 to inquire. They informed me that because I opened the account in XXXX, I had to deposit in XXXX instead of XXXX. I don't recall seeing this specified anywhere in the terms of the offer despite their explanation. They also would not provide me with a written copy of these terms when asked. The only timetable on the offer I received stated a deadline for the deposits based on account opening date and a date for the bonus to be paid, not that the deposits must start in XXXX as opposed to XXXX. At best, this is a misleading attempt to avoid paying the {$300.00} welcome bonus. As a new customer, it is extremely frustrating to have kept my money on deposit in this new savings account with Citizens Bank for several months with the expectation of receiving this welcome bonus, and then being given the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there is a hard inquiry from an organization called XXXX. The date of this hard inquiry is XX/XX/2021. I did not apply for credit from this organization on XX/XX/2021. 
I am a victim of identity theft and I want this hard inquiry removed from my credit report immediately. I am enclosing a copy of the identity report that I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I pay my bill on time it is not being reported on time .I 'm still seeing a balnce that was already paid .This makes it look like I have a High Balance. I don't understand why that is .I have had this card for 5 years and the same thing keeps happening. Can someone please ask Walmart WHY is THAT, I'm trying to buy a home and it looks like I have a High balance. For 3 months they have NOT sent the CORRECT info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit act CONTINENTAL FINANCE CO Account # 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.

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 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I had resolved a medical debt in XX/XX/XXXX in the amount of ~ {$2000.00} for an emergency room visit in XX/XX/XXXX. A company by the name AssetCare LLC contacted me in XX/XX/XXXX, nearly a year and a half after the debt had been settled, stating they purchased my contract from XXXX and that money was still owed. Evidence was provided of the settled debt and a letter was received approximately one month later stating the provided evidence was still under review. ~60 days after the evidence was provided I received an email notification reporting my credit score had dropped 30 points due to a major derogatory debt. AssetCare did not communicate with me in any way of their research results outside of the notification that they were still reviewing. I contacted AssetCare and they referred me to their customer advocacy team to help resolve. Ive called the provided number and left voicemails numerous times over the course of the last 2 weeks and have not yet received a response. The actions of this company have caused not only stress and frustration, but real life consequences that will affect me and my family in the years to come. Hopefully this submission will help shed light on the broken processes within their organization, lack of customer support, and potentially help mitigate future risks of other individuals and families that may be impacted by this companys incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
Debt is still on reports. This was opened in 2015. It is also a family members debt, not mine. Any and all services from this guy were paid in FULL. I have several family members with the same last name that use this dentist. Also, any and all balances were covered by my insurance at that time. I was in college and I paid yearly to have it. My portion was paid. It is NOT my problem if he didnt get paid xyz from insurance. If in fact that is even the case. That office has been known to double bill and claim insurance isnt covering etc. when in fact, they are covering services. I do not owe this bill!! Ive tried repeatedly to resolve with no success. On top of that, it shouldnt even be on my reports at this point its over 7 years old!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there is a hard inquiry from an organization called XXXX. The date of this hard inquiry is XX/XX/2021. I did not apply for credit from this organization on XX/XX/2021 I am a victim of identity theft and I want this hard inquiry removed from my credit report immediately. I am enclosing a copy of the identity theft report that I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one denied my 2 claims within hours of being filed and without investigating at all their excuse being they can't dispute money transfers but my claims were not for money transfers they were debit card purchases with the same merchant My bank statements clearly proves that they were debit card purchases, and that two of the transactions were charged at the same exact time being XXXX and one wasn't charged til the next day at XXXX even though it was made with the other ones. 

I submitted plenty of documents to support my claims and to prove that I've tried getting the merchant to help me, I've also had this issue with this merchant a few times before along with many successful t transactions but the times I did need to file a dispute they were all found in my favor and weren't even contested by the merchant. 

To make things worse I had been told by two agents I'd be receiving the credits for the claims within 24 hours so I made other arrangements based on that information and after not receiving the credits I called and it took speaking to 5 agents to finally be told they denied the claims before they even started the investigations and said

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX CO Account # 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.

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 2022-09-09 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX  Account # 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.

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 2022-09-09 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: NY

Complaint narrative:
I opened a fraud dispute with my bank REGIONS, under the claim id XXXX, I lost my card and there are several fraudulent charges with my debit card ending in XXXX. 
The bank denied the claim without any valid explanation.

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 2022-09-09 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2022-09-09 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX Student Loan : I have reached out to XXXX XXXX XXXX in XXXX XXXX XXXX and XXXX XXXX XXXXXXXX about my loans and the incorrect reporting since my loan went into forbearance late XXXX. I was told they would never ( and could never ) submit to change their error, regardless of fault. The maximum amount borrowed was less than {$75000.00}, but it is reported as over {$86000.00} that I borrowed, when that is not true. The line of credit was {$75000.00}, so that is not possible. I have made payments every month that they have been due and have not been delinquent. 
I called XXXXXXXX XXXX XXXXXXXX again on XX/XX/XXXX and was told they would write to collections try to fix the issue. They stated that - on their end and in their system - my account shows it was closed in XXXX XXXX XXXXXXXX, with a maximum possible credit amount of {$75000.00}. They also informed me that they sold their loan to another lender that they called collections, which explains the incorrect reporting. I am not even the owner of the account, just an authorized user. My account was never Delinquent to go to a collections agency. 

XXXX XXXX XXXX XXXX XXXX XXXX : I suffered from XXXX and XXXX  XXXX from XXXX XXXX XXXX I called XXXX XXXX XXXX and discussed closing my credit card with a monthly payoff payment. They informed me they can not close it, but reduced my payment from over {$80.00} down to {$47.00} and then sent me a letter telling me that paying $ XXXX won't pay off my card for 10 years. They also still reported XXXX - XXXX payments as delinquent, even when XXXX XXXX said it would not be reported because I paid the new minimum and kept up with payments/informing them. XXXX XXXX also informed my on XX/XX/XXXX that my XXXX payment was returned and threatened to go back and report it, even though I still paid it within the grace period. My debt has been increasing to a point I can not keep up with, and I informed them that it is keeping my credit score from being able to have a roof over my head. They still have not closed my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: WA

Complaint narrative:
I took out two parent student loans for my son, one in XXXX and XXXX. I was awarded total XXXX in XXXX of XXXX. I was very grateful that I got a letter stating my loans would be forgiven. Ed Financial sent my loans to DEPT OF EDXXXX and they were both closed as of XX/XX/XXXX. XXXX XXXX XXXX continues to show that I still owe the loan from XXXX it was {$19000.00} and it is around {$22000.00}. On my {$10000.00} is not on there. It shows closed from DEPT OF EDXXXX. I have talked to Ed Financial multiple times and they said they dont report, I have Disputed on XXXX multiple times because they had both loans and have token off the {$22000.00} but have put it back on 3 separate times. I have talked to supervisors and all the credit companies and they have said they are reporting it to be accurate but Ed Financial says they say it shows that it is closed and forgiven. Is there anything you can do to help me. I am desperate

Company response to consumer: Closed with explanation