vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX XXXX {$1900.00} XXXX {$1100.00} XXXX {$28000.00}

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a business credit card with PNC BANK with a high interest rate and cash back rewards. I earned {$180.00} in rewards by using the card and making the payments on time. I tried to transfer the cash reward into my business banking account that I have with PNC BANK and there AGAIN was an error with their online banking not surprised that the cash rewards was NOT TRANSFERRED to my business account and after trying to make a payment via mobile app transfer several times I get a {$39.00} late fee. XXXX XXXX  business practices with this bank. I will never recommend PNC BANK to anyone for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was extremely XXXX today, XX/XX/2021 after attempting to use my Discover card to purchase an ink toner for my personal printer. When I inserted the Discover card, it was declined multiple times causing me to hold up the checkout line. This just added to the XXXX as I was already XXXX  out because XXXX XXXX had me repurchase the ink toner after I had already purchased online and was just there to pick up. I did not bring the card I originally made the purchase with because I was there solely to pick-up. I thought it was a blessing that I happened to have the Discover card to pay, so I thought until it was denied. I drove 45 minutes from my house and had no other options but to be forced to use my business card to complete the transaction for personal use to avoid further inconvenience of losing my spot in line or having to drive 45 minutes to get my other card. 

I feel like I am being discriminated against because I hadnt experienced any issues or problems with my Discover card until I exercised my rights in good faith as a federally protected consumer informing DISCOVER FINANCIAL SERVICES of the billing error. I had reason to believe that this is an adverse action against me as defined by 12 CFR 1026.13 ( d ) ( 3 ) as my account appeared to have been closed or restricted without my consent or approval. This adverse action needs to be corrected IMMEDIATELY. DISCOVER FINANCIAL SERVICES has failed to comply with federal regulations in the subchapter of 12 CFR 1026.13 resulting in legally forfeiting their rights to collect as defined by 15 USC 1666 ( e ). In accordance with 15 USC 1666d, these past, present and future remittance coupons that they send in the mail to my place of abode need to be converted into checks monthly that are payable to me. 

This would have never happened to me if DISCOVER FINANCIAL SERVICES properly handled my account as an open end credit plan applicable with federal law as defined by 15 USC 1602 ( j ). Also, this would have never happened if the credit balance on this account was zeroed out monthly pursuant to 15 USC 1666d ( A ). 

The agent, XXXX, conducting business on behalf of DISCOVER FINANCIAL SERVICES confirmed that my account was closed as of today, XX/XX/2021 without notice and was unable to provide any specific reasons as to why it was closed outside of claiming an adverse action. The agent went on to tell me that DISCOVER reserves the right to close my account at any time after I told the agent that I never consented to have my account closed. I know for a fact that the adverse action was against me for in good faith exercising my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on BANK OF AMERICA 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( BANK OF AMERICA XXXX, BANK OF AMERICA XXXX, BANK OF AMERICA 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 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion XXXX XXXX  failed to comply with Fair Credit Reporting Act, XXXX XXXX  sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Hello navy federal credit union will not help me any way someone tried to open an account using my name and information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below are still reporting on my credit report in violation of XXXX Law. HSBC BANK failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE the account below : ( HSBC BANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. 

Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont 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 non-monetary relief
Consumer complaint received 2021-12-03 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: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XX/XX/2018

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETWrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-03 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: NY

Complaint narrative:
This is XXXX, XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NY

Complaint narrative:
This is XXXX, XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion XXXX XXXX is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX OF XXXX XXXX XXXX XXXX XXXX CARD 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
Consumer complaint received 2021-12-03 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: MI

Complaint narrative:
Ive sent in XXXX XXXXounds of disputes to Equifax asking them to remove these collections accounts from my credit report. The account are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Ive ask for this items to be removed because of illegal collections fees, Ive also asked for the original contracts as well and they werent provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
A few years ago I rented a car through XXXX with the condition that I could return the car at anytime with no penalty. I did so and in XXXX of XXXX I returned the car and there was no problem with them or did I hear from them about any issues with returning the car. Then on XX/XX/XXXX, I recieved a letter from Receivables Performance Management that I owed them {$7200.00}. I did try to contact XXXX to find out what was going on and there support did not seem to know anything about this. So I then sent a letter explaining that this debt was not mine and if they felt I owed the money to send me the copies of the original documentation that they based it on and to not contact me again. I did send the letter certified and they recieved it on XX/XX/XXXX. So today I recieved an email from them trying collect the money which did not honor my request not to contact me and also they did not include and of the documentation I asked for.

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 2021-12-03 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: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX will not help me any way someone tried to open an account using my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/06/XXXX  XXXX XXXX-Date of inquiry XX/XX/0XXXX XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXXDate of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/15/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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls Credit Card. 
1. They disconnected my account from autopay that I had been on for years without notifying me, and then charged me interest for not paying.

2. I paid the bill by copying and pasting my account information from the bank site to the Kohls site, and I contacted them complaining about what they had done.

3. After I contacted them they returned my $ $ and said I entered the wrong account information- which I know I didn't do because I literally copied and pasted it from my bank 's website, and I double checked it on entry. Then once again they didn't contact me- until after I had paid again.

4. I paid them for everything I charged but none of their fees because they were the ones that initiated and compounded the problem. They can see from my history that I am a person that pays in full each month and they should be able to see that they disconnected me from my autopay without notification. I contacted them, but they only responded by sending me a snail mail asking why I hadn't paid my bill- which doesn't make any sense since I had already contacted them twice about this online. 
5. I haven't heard anything from them. Silence. I just want my account zeroed out and closed. I will never shop there again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
First tech federal credit Union refused to return funds to me exceeding {$800.00} even when the merchant initially responsible for the charge was not taking steps to contest my dispute. I dont understand why a credit union would act this way, and until resolved XXXX XXXX am not able to trust first tech with my finances. They XXXX XXXX {$800.00} from 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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Owed XXXX on Wells Fargo card with a special term end date of XX/XX/2021. Special terms are : there is no interest charged if account paid in full by that date. Had a monthly autopay in place of XXXX on the 16th of month during the promotional period, set up on their WEbsite. Made a lumpsum payment of XXXX on XX/XX/2021 so with the autopay of XXXX it equals XXXX but they ignored the auto pay and new statement shows XXXX interest charged plus XXXX own. How I would paid XXXX and would left XXXX? This is so misleading. 
On Monday, XXXX XXXX, spoke to XXXX IXXXX XXXX ( wellsfargo XXXX  ) who charged XXXX and stated he would take care of the charges. The web site for well fargos shows payment of XXXX interest still there. 
It is very misleading.

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