vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: GA

Complaint narrative:
I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-22 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I got the gap insurance with my car loan from CREDIT ACCEPTANCE CORPORATION when they took my car due to flood the gap insurance send them a check for the remanding balance. The gap insurance paid off my car and still saying I own XXXX. They refused to take it off my credit report on 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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Over the less than a XXXX  period that PNC Bank managed my bank account ( they took it over through a purchase from BBVA Bank, who owned the immensely-popular-in-the-XXXX XXXX XXXX XXXX Simple which I was XXXX XXXX XXXX of ) I was charged over {$570.00} in overdraft fees. Near the end of my usage of PNC Bank, this brought my account far in to the negative. 

During attempts to gain control of my finances, I attempted to get these predatory overdraft fees refunded/removed. 

PNC bank only refunded {$140.00}, leaving me with at least {$430.00} in overdraft fees pushing me into the negative. 

They closed my account and sent me to collections following my refusal to pay for these predatory practices. 

PNC Bank should have a more customer-centric and permissive overdraft policy more alike XXXX XXXX XXXX and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Credit Karma, LLC
State: IL

Complaint narrative:
Credit karma originally had issues processing my legal name change from a XXXX XXXX to XXXX XXXX. Now that issue is fixed they cant open the car we it karma spend or save accounts because their system still has the social linked to the old name and now XXXX cant open the accounts I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: OR

Complaint narrative:
So I sent a letter of on XX/XX/2022. To remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: U.S. BANCORP
State: CA

Complaint narrative:
Mailed Check was stolen and altered amount, payee and written amount. Original amount was {$120.00}, altered to {$820.00}. Money not returned to our account since we filed fraudulent affidavit with US Bank in XXXX CA, XX/XX/XXXX, XXXX Bank has since closed in our area. 
Numerous calls to US Bank Fraud Department with many promises and no results.

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 2022-12-22 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The debt/item in question belongs to a family member with the same name and address. I have filed multiple disputes directly with all XXXX credit bureaus and XXXX refuses to investigate and correct the incorrect information returning with " Completed investigation of FCRA dispute - consumer disagrees ''. XXXX and XXXX have already corrected the mistake. The collection agency directly is not responding mailed letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: FL

Complaint narrative:
Delete fraudulent collection, I have attached an FTC report with the collection

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 2022-12-22 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: DISCOVER BANK
State: NE

Complaint narrative:
Our Discover Card payment was due on XX/XX/XXXX. On XX/XX/XXXX I paid off the entire balance of {$8500.00}. On XX/XX/XXXX I noticed there was another balance on the account and paid the full balance of {$250.00}. The very next day, they had a balance of {$63.00} for interest. I contacted them about the never-ending scheme they had going on and they ignored me. 
I paid it off again today, XX/XX/XXXX. I have made three payments, in FULL, this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2022 I called Capital One to ask if I could make arrangements to pay XXXX $ of my XXXX $ payment, due on the XXXX, with the balance of XXXX $ for the XXXX payment on the XXXX of XXXX. I was told, " no problem ''. When I called on the XXXX with my XXXX $ payment, my account stated I owed XXXX $ for XXXX. This included my XXXX $ minimum, a late fee of XXXX XXXX and the XXXX $ I was paying that day. In talking to them, they waved the late fee and accepted my XXXX $ payment, completing my XXXX payment. With the understanding that my autopay would return to normal minimum of XXXX $ for XXXX payment. On XX/XX/XXXX my bank was charged XXXX $ from Capital One. I called again and explained that this was erroneous, that this payment included the XXXX XXXX waved, late fee and the XXXX $ I payed on the XXXX, as agreed by them. This was argued with me that the XXXX $ was my minimum due. I asked to be credited back the XXXX $ and the XXXX XXXX which would make my actual payment XXXX XXXX as it should have been. I just received a letter and statement that I was refunded XXXX XXXX With an added XXXX $ late fee and a payment due of XXXX XXXX The letter was dated XXXX XXXX. As of the XXXX of XXXX, I have not recieved any notification from my bank of any refund. 
There is no one at Capital One who speaks enough XXXX to understand any information given them. They make arrangements with you and do not keep their word. I have never been late with any payments. This company is completely disconnected with one another and their autopay system is completely dysfunctional. 
A final attempt to converse with Capital One produced a response that they see no indication of these arrangements and are standing by their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
This is a business account reported on my personal account Sunrise Credit Services XXXX Reported XX/XX/2022 Update XX/XX/2022 In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my federal protected consumer rights under 14 USC 1681 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 a account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any if 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 2022-12-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a collection mark on my Experian credit file from XXXX XXXX for {$390.00}. I sent XXXX XXXX a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to XXXX XXXX. They were not able to provide such documentation. 

XXXX XXXX sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to XXXX XXXX. 

On XX/XX/22 I responded to XXXX XXXX  that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character. 

I opened a dispute on Experian Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements XXXX XXXX needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, Experian is required by law to remove the collection from my credit file. Experian has not removed the collection from my file

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 2022-12-22 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: OR

Complaint narrative:
So I sent a letter of on XX/XX/2022. To remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have a parent loan through Navient. I have noticed that there are several lawsuits against them for misleading customers on repayments. I looked at my account that I have been paying on for about 11 years, and the amount I still owe is more than what I originally took the loan out for. how can I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NJ

Complaint narrative:
Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best place mentally and that led to me becoming unstable in other areas in my life. See, I lost my girlfriend a few years ago and she was XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt and that turned my world upside down. I stayed from place to place wherever I could and my personal information was stolen in the midst of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and enclosed is a copy of my report.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. XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteates the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes 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 2022-12-22 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My payment was due right after a federal holiday. The bank immediately charged me a {$41.00} late fee on the same day as the payment due date. The bank also has different policies with respect to payment cut off times. If you call to make a phone payment by phone or online it has to be received by XXXX for it to post the same day and if you pay in the store you have until the store closes to make a payment for it to post the same day. The bank should have until XXXXXXXX XXXX  on the day of the payment due date to make a payment online or by phone and not early cut off time. I think that this is set at this time so that they can receive the money the very next day from the customer 's bank. The bank did not even notify me by e-mail that the payment had not been received until XX/XX/XXXX because of the holiday even though the bank uses automated systems including automatically assessing late fees on the same day as the payment due date. The bank should not be immediately ( as soon as the same day ) assessing late fees on a customer 's account. As the CFPB points out and concluded in a report from XXXX of XXXX " that the credit card market continues to rely on late fees that negatively affect missions of consumers. For some households, late fees are a costly mistake for payments that may only be a day or two late ; for others, they are significant added hardship during a time of financial precarity. For credit card companies, especially private label and subprime specialist issuers, late fee continues to bolster their bottom line. ''

Company response to consumer: Closed with monetary relief