vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : XXXX XXXX XXXX-Account number XXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : XXXX XXXX XXXXAccount number XXXX XXXX XXXX-Account number XXXX XXXX XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/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 2022-04-19 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: LEXISNEXIS
State: VA

Complaint narrative:
Lexis Nexis provided a report to our insurance company that gave banking information indicating a problem resulting in a lower rate. I pulled the reports from Lexis Nexis that indicated an insurance inquiry but no banking items. FIRST issue is that neither company disclosed the credit reporting agency the banking information came from, which is illegal under the credit reporting act. SECOND issue is that my report has someone else 's information on it. Our social security numbers are off by one number and we have the same first name. I have already resolved this with the three credit bureaus over the years. THIRD issue is the information Lexis Nexis is providing without my consent to me or the other woman involved. I now have her social security number, drivers license number, car VIN number as well as her husband 's information. She has the option to receive the same information for me. Lexis Nexis is providing my information WITHOUT MY CONSENT. Lexis Nexis told me today I don't exist although they provided me a report when I requested it and expect me to jump through hoops to prove I do. I have a REAL ID drivers license which I already jumped through hoops to get, which should be used to verify the information. I need Lexis Nexis to follow privacy laws, stop combining reports of unrelated people, disclose reporting agencies, and issue me a corrected report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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:
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 XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # 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 2022-04-19 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:
XXXX is not accurate with they information u can never get one otp to help they score is way different from the other two credit company they refuse to delete secondary company but got original one deleted they moving to slow and what they doin is illegal and I did not ask to share my info which is illegal not with my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XXXX of 2022, I was issued a summons from a debt collections agency in regards of a debt I owed to a credit card company. This debt came from a result of identity theft. I followed protocol and disputed the debt through the XXXX dispute portal online. I XXXX, I received a letter stating that my wages were to be garnished. On XX/XX/XXXX, I made a call to XXXX and XXXX and they stated that my wife called from a cell phone number that is not her number and setup a payment plan for this debt on my behalf. This is illegal. The next day I called back and talked to another lady who told me the same thing and that a payment actually posted from a bank account in which I do not have any association with. The lady became frustrated as I asked questions. She claimed that it was legal for my spouse to setup a payment for my debt ( it is not ). When I asked her for the law that stated that, she hung up. Mind you, all of their phone calls are recorded. It was mentioned once if I would like to hear the phone call for when my wife called in and I said yes, and that was the last it was heard about. On XX/XX/XXXX, I called and spoke to a supervisor. Supervisor was very adamant in saying that my account was placed on hold and there was nothing they could do. He then refused to notify my employer of my account being on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
i have contacted this company and sent them letters with all of the required information to prove that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted Equifax several times with multiple disputes that were closed as successfully fulfilled and no action to suffice the problem was taken. 


I ( upon signing into Equifax to view my report ) am not able to access any information..that being any information from ( CREDIT REPORT- Drop down tabs ) - summary tabs drop down, person information, revolving accounts, mortgage accounts, installment accounts etc., - Everything is showing XXXX ' and no data. 

When I click the 'Credit Report ' tab it's displaying the same credit score since XX/XX/XXXX and it's likewise stating the last update as of XX/XX/XXXX and last credit score update XX/XX/XXXX Recently Equifax ( through means of XXXX XXXX  ) reduced ( deducted XXXX points from my score ) due to a decreased credit card balance. 

In this case of a decreased balance Equifax SHOULD NOT have reduced my score. This violates every Consumer protection law as with those in connection with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
If I make a payment today ( XX/XX/22 ) for my mortgage minimum payment, mortgage company applies that payment to various items ( interest, principal, escrow ), this payment satisfies XX/XX/22 payment If I make another payment today, XX/XX/22, same amount, my mortgage company will charge me ahead of time the interest that would have been occurred if I had waited to make the payment on XX/XX/22 I used to have my mortgage with XXXX bank and under the same circumstances they applied the second payment all to principal and escrow, as they only applied my payments interest portion to the unpaid outstanding interest The example above occurred the first month I paid my mortage loan. 

This is predatory, as it encourages people to pay on the due date since they would not be saving any money on interest from paying early, and the auto pay options do not allow to pay early, they allow to pay up to 10 days late. These auto pay choices and payment allocation are designed to trick customers into being late and incur late fees and pay more interest over the loan time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been addressing this problem for over a year. JP Morgan Chase is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of JP Morgan Chase. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed J.P. Morgan Chase to change a XXXX business account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX Business Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from JP Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid off the balance on my Torrid Credit card last month on XXXX XXXX, 2022. I received another bill from them stating that they were charging me two late payments and a {$1.00} interest payment and also a finance payment. When I called in to the credit card company they said they charged me both late payments because I was late. I was not late and when I paid online I marked the box that said pay full statement off. The credit card company did nothing to look into fixing anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had a checking account with SunTrust bank for many years, and the account had no service charges as long as I maintained a balance of at least $ XXXXwhich is the case. Now that SunTrust and BB & T merged to form Truist Bank I was assured there would be no changes to my account. However, Truist now charges me {$5.00} per month for the account. I tried calling Truist to inquire about this matter, but the waiting period to speak to someone was way too long ( hours ). What can be done about this deception?

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL 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 2022-04-19 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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi, I moved to the XXXX from XXXX in XX/XX/2022 and opened a checking account with BOFA in XXXX. 
I have submitted my passport and the address I'm staying at during the account opening at XXXX XXXX. 

All of a sudden on XX/XX/XXXX morning, I got an email saying my account balance is XXXX. I'm shocked because I have 2 months of savings of XXXX USD in my checking account. I tried logging into my account but it didn't allow me to login. I called customer care service but they refused to provide details saying that my account is closed. I was in a panic situation that I lost all my money or maybe someone hacked my account. 

I rushed to the nearest banking branch in XXXX and got to know that my account is closed because I didn't provide address proof. I've never been asked to provide any address proof or didn't get any mail or email asking for address proof. I was never notified that my account is going to be closed. 

How can they take control of my money? Don't I deserve to be notified about the actions you take on my account prior. Without asking/notifying how would I know that I have to submit the address proof? 

When I contacted customer care they said they can't provide details cause my account is closed already and suggested me to visit financial center. When I visit financial center they said they also don't have information and they gave me one more contact whom I can reach out - XXXX and this team kept on hold for more than 3 hours but didn't provide any information instead asked me to callback next day. 

Are they doing this to me just because I'm on a XXXX  here in the XXXX. Will you do the same if I'm a XXXX XXXX?

Currently I don't have any money with me. All my 2 months savings are blocked in that account they closed without any notice. My biweekly payroll is cancelled cause I don't have a valid checking account. How will I survive now? Do I have any rights here? 

I'm traumatised because of all these events and need someone to help to fix this. 
is this all happening following a due process or they just targeted me? 
Please come back with an possible explanation on all these events. 

Thanks XXXX XXXX phone : XXXX online banking user id : XXXX I can provide you more details about my account info if required.

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XX/XX/2022, my wife and I took a flight on XXXX XXXX flight # XXXX from XXXX to XXXX. On that flight we were offered XXXX airline miles to take out a XXXX XXXX  Card with Barclays bank. Also there was a bonus XXXX miles for entering a XXXX digit code, that was hand printed on the back of the pamphlet. We accepted the pamphlet and took it home. 
On XX/XX/XXXX we went on line to the credit card website, XXXX and successfully completed the application and received an approval. 
We made our first required On purchase on XX/XX/XXXX that would initiate the transfer of XXXX miles to my XXXX XXXX account. 
To our dismay, we only received XXXX miles, not XXXX as advertised. 
On XX/XX/XXXX, I called Barclay 's customer service. The front line representative could not solve my problem so I asked for a supervisor. He issued me a case # XXXX. I was transferred to nice lady who said she could help me. She requested that I send photos of the front and back of the pamphlet to XXXX. I stayed on the line and she verified that she had received the photos and Barclays would respond to me within 3 days. 
I received a letter from Barclays on XX/XX/XXXX stating that " We're currently unable to assist you with your Rewards Issue '' Please call us at this XXXX number for details. I called the number on XX/XX/XXXX and was told there was no option except to issue another complaint. 
I then called XXXX XXXX customer service on XX/XX/XXXX. They called Barclays on my behalf but were told that the pamphlets were old and the offer was out of date and all I was entilted to was XXXX. 
My complaint is that the offer was fraudulent if I was given a out of date pamphlet and they should still come thru with the miles.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the accuracy of a XXXX  XXXX credit account and the XXXX XXXX XXXX  loan all in delinquent on my credit file. I have worked with all the parties involved from the credit bureaus to the lenders. I am been penalized for missed communications, billing me at the wrong address, and lastly inaccurate reporting with gaps. All these debts have been settled and have failed numerous times disputing these in inaccuracy affecting me from getting a mortgage. I have attached reports that explain my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: SC

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

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