vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: LA

Complaint narrative:
I submitted a dispute for an item on my credit report stating I owe when I dont. The investigation was opened on XX/XX/2022 and still has not been resolved. 

Ive called multiple times and been placed on hold for extended periods of time without being able to state my concerns. 

I am unable to clear the other items on my report that transunion is incorrectly reporting, because only one dispute is able to be in progress at a time. 

This bureau is reflecting 75 % of my information inaccurately. I dont know if theres anything I can do to have them verify the information theyre presenting, aside from constant disputes, which are being extended beyond the period designated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened up a new checking account and savings with Huntington bank today. They did not give me a temporary debit card IAM unable to pay my bills and draw out money. Once again a bank is ruining my life IAM about to get evicted because I can't draw out the money to pay my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Credit Karma, LLC
State: FL

Complaint narrative:
My complaint is about Credit karma false telling me the im pre-approved and nothing multiple times in the last 4 years bringing ing my score down complaint ts are recently surging all over the internet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX  POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditoXXXX XXXX XXXX  XXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} 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 explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
My name is XXXX XXXX I've been with credit karma since XX/XX/202, and i think I was deceived to apply for credit card through credit karma and I think it was im being mislead to apply for credit card and also preapproved for loans.i feel like they are giving me false information and I'm filing for emotional trauma and stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: AZ

Complaint narrative:
Called the company multiple times since a payment was made from my end twice to my account. 

The company is Movement Mortgage I have asked for a refund multiple times for the amount of XXXX The company keeps diverting me to multiple people with no response Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A charge of XXXX showed on my Capital one credit card that I rarely use, I called XXXX which was claimed they charge me and XXXX denied any charge on my credit card we did conference call with Capital one and XXXX confirmed they did not charge me also they sent me in email as such, and I reported to the FTC ( Report Number. Capital one removed the charge then, this month I saw the same charge again, I called capital one and they keep transferring and finally hang up. 
Emails from XXXX are attached showing they did not charge me and perpetrator is the Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have inquires on my consumer report that I would like to be removed. 
These inquires are : XXXX XXXX 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 US Department EDU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: IA

Complaint narrative:
I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since XXXX Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly XXXX minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: FL

Complaint narrative:
Good evening! I am XXXX XXXX my cell is XXXX XXXX XXXX this is in referrence to bank of america response to 1st compplaint and ypur system is not allowing me to provide feed back to the BOA response Bank of america had two unauthorized transactions on my account and I explained to them I never used XXXX the XXXX advocate who is responding is not aware that I never ever used XXXX and they mention I made a mistake and refused me the refund stating i withdrew my claims and in retaliation of my complaint to CFPB your company has mentioned they are terminating deposits and closing the account ending in XXXX qnd that they are not required to provide a reason to close the account this definately leads one person to believe its retaliation practices other wise they would come to a better solution to simply recreate a new bank account for me to ensure security instead they threatened to close any future accounts without warning. I have been tryi g to simply reaolve this problem without conflict and bank of america and XXXX both created a misunderstanding on this matter and failed to communicate correctly a resolution. If a customer is scammed the solution is now to cut off banking relationship and close account not only does this affect the victim whom i relied and trusted this bank to secure me as a client yet they close my account and let the bad guy win for steeling using their apps???? I am requesting bank of america to re review their decision and not make me a victim a 2nd time. I again have tried to come to a resolution and avoid conflict and want to keep my accounts but bank of america staff are all miscommunicating information and this is not right. Please provide my feed back to bank of america from here since your system will not let me provide feed back thank you 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 monetary relief
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I got a bank statement in the mail recently for the statement. XX/XX/2022 through XX/XX/2022. I never opened up an account with this bank but it has my name and address on the account. I called TD Bank and they connected me with their fraud line and I spoke to the lady she told me that she was gon na put a lock on the account and do what she had to do to close the account on her end and recommended I do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
According to XXXX last checked ( XX/XX/2022 ), Exeter XXXX XXXX has violated my rights pursuant to 15 USC 1681b ( c ) ( c ) and unlawfully furnished my report and was not initiated by me. Also 15 usc 6208 ( b ) and did not inform me of the opting out. Furthermore 15 usc 1692 ( c ) ( c ) is my right and I am exercising it. The experian website is showing late payments from 5/2021-09/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2022-09-06 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: Credit Karma, LLC
State: SC

Complaint narrative:
I applied for a credit card through Credit Karma and it said it wouldn't affect my credit scores to check to see if I was pre-approved but they ran my credit and it dropped my credit score and showed up on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: SC

Complaint narrative:
On XX/XX/22 I made a {$15.00} payment to American Express from my options credit union account. Unbeknownst to me, the credit union had transferred money out of my account without my permission to a credit card opened with the credit union in violation of regulation z. This caused the payment to return as nsf. The following day I contacted the credit union and had the illegal transfer reversed. Despite this, Amex has charged me an nsf fee. Due to the credit unions illegal activity, I removed the funds from the account and contacted Amex to stop the payment. They refused and resubmitted the payment request 2 additional times, despite my request to not submit it again due to my ongoing issues with the bank. In the meantime, a hold on my credit union account for {$50.00} dropped and allowed the payment to go thru. Despite this, Amex charged an nsf fee of {$29.00}, almost twice the payment amount. When I requested they refund the fee due to the nature of the activity, they stated the can not refund the fee. This was patently false, as after asking additional questions it became clear that they could refund the fee but did not. It is apparent that this misinformation was given to me to prevent me from pursing a refund of the fee, a source of considerable revenue for Amex. Eventually Amex confirmed that they were able to refund the fee but were refusing to. I have never had a late payment on the account and this was the first time an nsf transaction has occurred, for reasons outside of my control. These practices are deceptive and abusive toward consumers, and are clearly part of a policy targeted at consumers who have issues with nsf. Im addition to the above, Amex also freezes the available credit in this circumstances for 7 days, but does not provide any warning or information regarding the freeze. The account shows available funds and no indication the hold is on place both on their online portal and on their dial-in system. There are no pending purchases on the account that would warrant freezing access to the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
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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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief