vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights 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 2023-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXXXXXX -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights 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 explanation
Consumer complaint received 2023-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit ate for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: IN

Complaint narrative:
I have had my mortgage with Sun West for almost 3 years. It has been a bumpy 3 years but i always make sure they get theirs. I contracted a life threatening case of the XXXX XXXX virus in early XX/XX/2022, and as such fell behind on my payments to a lot of creditors since i could not leave the hospital/house for weeks, including my mortgage. I made sure i paid my mortgage first and they were taken care of, and have been since. I literally could not work because of my illness, and i was caught up until that point, and they still hit me with late fees and dinged my credit for being late. Well i got them paid, and have been fine since then, however, my credit has not been. That late payment on my credit is keeping me from doing a lot of things i need to do in my life and its just not a fair or good way of looking at on their part. I reached out to them, they sent me back a basic letter telling me " better luck next time '', not in those words, but the gist of it. I know i had some transgressions the year before that, but i am not asking for a handout there, all i am asking is for some mercy in XXXX of 2022 and a removal of that late payment in particular. I was hurt by something out of my control and i am asking for the smallest amount of mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for a Citibank promotion to open a Checking account. The promotion was for a {$1000.00} bonus for depositing {$75000.00}. I opened it at their XXXX, IL branch to make sure I did everything right. The promo was as follows : Open a new checking and enroll in offer. 2. Deposit funds within 20 days. I deposited the same day.3. Maintain balance for 60 days from the 21th day. I opened the account on XX/XX/XXXX. I am still waiting for them to deposit the bonus in my checking account. I contacted citibank and was told that I should have received the bonus and thy would open a dispute on XX/XX/23. I should be resolved in 5 days. It has not. I went to the XXXX branch and asked them to check into. They said they would email the person handling the dispute. They said they would contact me later. Nothing.

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 monetary relief
Consumer complaint received 2023-03-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/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 : States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/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 : States a consumer reporting agency can not furnish an 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 2023-03-02 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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

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 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: WI

Complaint narrative:
Flagstar has not approved me for forebearance despite my difficulties to pay my mortgage being directly due me being sick for months with XXXX. Im not sure what else to do and am terrified of losing my house. 

I will be able to repay the missed payments over time and just need some help getting back on my feet. 

Flagstar has not been willing to work with me in terms of refinancing or getting a loan modification in place where the past due payments could be moved to the end of the mortgage or the mortgage could be extended. 

Flagstar has also ruined my credit. I thought anything related to Covid was covered under the CARES act and Flagstar has not followed which has had a direct negative effect. Im a single mom of XXXX young children and a XXXX survivor. I work full time and have always paid my bills on time. Covid hit and I landed in the hospital with it unable to work and have had a very difficult time with Flagstar.

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 2023-03-02 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: GA

Complaint narrative:
I am the author of this complaint and also the attachments included in this complaint I recently checked my credit report and I noticed numerous inaccurate and untheorized information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am being charged late fees when I paid on time and was enrolled in autopay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX, I received a letter in the mail from Portfolio Recovery Associates LLC Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/XXXX XXXX I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am sure you are well aware of the legal actions taken against Santander Consumer USA in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against Santander from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with Santander Consumer USA Loan ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 
Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL 3 major credit bureaus ( XXXX, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed ( along with any collection accounts associated with this tradeline ) because of this judgement.

This account Santander Consumer USA Loan ( XXXX ) needs to be deleted from my credit report on all 3 major credit bureaus ( XXXX XXXX XXXX XXXX and XXXX ) immediately. This inaccurate information is a detriment to my credit and due to the lawsuit against Santander consumer USA, it needs to be removed immediately. I will be getting my attorney involved if this is not resolved within the next 14 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
As a student, I got myself a collateral-secured card from Bank of America XXXX But I canceled the card and the agent said the collateral of XXXX  will be returned after deduction of remaining credit. But only XXXX usd was deposited into my account. And no one can explain what happened to the remaining XXXX usd.

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 2023-03-02 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have had a collection account on all of my credit bureaus for some time now. Jefferson Capital Systems is the supposed creditor. I have disputed this through the bureaus with no results. i have also contacted Jefferson to get actual information about the supposed debt and have been given no relief. this is lowering my credit score and is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: OH

Complaint narrative:
The following companies did not have permission to request my credit report from XXXX, XXXX, and Equifax XXXX XXXX  - Miscellaneous Finance, Date : XX/XX/XXXX XXXXXXXX XXXX  - XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit Cards XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following companies did not have permission to request my credit report from XXXX, Experian, and XXXX : XXXX - Miscellaneous Finance, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX, 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 2023-03-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2021 someone opened a fraudulent business account in my name. They created a DBA account and then went to Chase bank and got a credit card for the fake business. They charged around XXXX XXXX dollars. About 6 months later, my credit report dropped over XXXX points. After a few calls to Chase we figured out what had happened, I told them this was fraud and they reversed the charges and removed it from my credit report. About 3 months later, Chase went ahead and put the charges back onto my credit report. When I called them to clarify ; I was told that the account was opened in person and I was responsible. I contested the charges sent them proof I was working until XXXX that day, and was probably asleep when this happened. I sent them pictures of my ID and other information. I never heard back from Chase. When I called them again a month later, they said they investigated and I was responsible for the account. They have never disclaimed how they investigated or how they determined I was responsible. When asked if they have the ID from the person who opened the account they said they don't require an ID to open an account. I provided my ID, and my signature does not match that of the account that was opened. They just talk in circles and say I am responsible, never providing any proof. They told me where the DBA was opened, and I should contact them. I asked why didn't they do it, being a big financial corporation and they said it's not their job. They also told me that the account was being paid up until a few months ago. I asked why don't they go after the account that was paying the charges ; they said I would have to investigate that. They are a bank, can't they figure out who was paying for the charges. They have now sent me to collections, even though they have never once contacted me, or provided me with any writing of a default account. When I asked who they were sending statements to, they said they had no email address linked to the account. Consistently they have been rude, disrespectful, and refused to help. I am always the person contacting them, trying to solve this cause of fraud, and they just stonewall me, when it would be much easier for them to solve it.

Company response to consumer: Closed with explanation