vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 

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 a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX Credit XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays Mastercard credit card has now charged me erroneous interest XXXX months in a row. I have pasted my previous complaint against them below for context, and the same issue has now repeated itself this month. Barclays has charged me interest even though I have autopay setup to pay my entire statement balance XXXX days before the due date. This happened on my XX/XX/2022 statement where I was erroneously charged {$38.00} of interest ( see my prior complaint below ). This has now happened for a second time on my XX/XX/2022 statement where I was erroneously charged {$53.00} of interest. I had autopay setup to pay my entire statement balance before the due date, so there is no reason I should be charged interest. Barclays said they would fix this issue but they did not. I would like a refund of this erroneous {$53.00} in interest, as well as compensation for my time spent dealing with this issue twice now. If I do not receive compensation from BarclayXXXX, I will be pursuing a lawsuit in small claims court and making additional complaints to other banking regulators. 

Previous complaint : I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid XXXX days in advance. However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.

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 2022-06-15 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -AmeriCredit Financial Services XX/XX/2022 XXXX XXXX ) XXXX XX/XX/2022 ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, my mother and I received notifications from Wells Fargo Bank that there have been suspicious transactions on my checking and saving accounts. We both called on XX/XX/XXXX as my accounts are under my mothers XXXX XXXX. We filed the claims with the bank and was told it will take 7 to 10 days for the investigation. The claim number at the time given to us was XXXX. We called again after 10 days, and was told it was still under investigation and some of the suspicious transactions were not included. 2 new claim numbers were given at the time, XXXX and XXXX. On XXXX, I received a letter with the case # XXXX stating the claim was denied. On XXXX, I received a letter for claim # XXXX saying that it has been resolved and {$4700.00} has been credited back to my account on XX/XX/XXXX. However, the amount was not reflected on my account when I checked on XX/XX/XXXX. On XX/XX/XXXX, I called the claim department about the denied claim was told the case was closed and theres nothing I can do. Then, I asked about the letter from XXXX and the person was unable to explain all the details why the {$4700.00} was not returned and why I still owe them money. The bank reported and notified me of this suspicious activity yet, they have proved unable to resolve this fraudulent activity successfully.

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 2022-06-15 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My phone was stolen morning of XX/XX/2022 and the thief downloaded an XXXX XXXX in my name. I have already filed a complaint with XXXX XXXX specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.

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 2022-06-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 

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 a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  in the amount of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 

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 a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of 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 2022-06-15 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: CA

Complaint narrative:
I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.

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 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the account XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the account XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: IL

Complaint narrative:
THIS HAS GONE ON WAY TO LONG TRANSUNION NEEDS TO REMOVE THESE 3 UNVERIFIED INQUIRIES ASAP, I filled FTC report, MY REPORT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: SC

Complaint narrative:
On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.

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 2022-06-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A Bank of America credit card was opened in my name on XX/XX/2022. I contacted Bank of America on XX/XX/2022 and reported this as Fraud. They shut the card off and closed the account. In order to have the credit card removed from my credit report I also needed to file this complaint.

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 2022-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XXXX of XXXX, I asked Paypal Extras Master card if they could lower my payment or dissolve the debt because I can't afford it. I had gotten my Paypal extras master card in XXXX when my credit was bad so I had a high-interest rate, the bill was always higher due to 23 % interest. I had the master card and managed to use and pay it down different times if you look at the history. 

Since then I closed the account and have tried to pay it but I don't make the same amount of money anymore and I explained that to them the last time I sent them a complaint. Last month I paid it on XX/XX/XXXX which it was due on XX/XX/XXXX and they marked my credit report, and my score has gone down. I can not afford this high payment and I don't want my score to go down either, I already have asked to be able to work something out, by calling the number on the letter attached that was sent to me. The agent said I was already on the lowest payment possible and there was no other plan she could do. Gas is high and I am a single mother with a lot to pay for. I do my best to keep up with this card and I want to get rid of this debt so I have been paying it. 

Is there any covid debt resolving programs XXXX XXXX is offering or some sort of settlement that can be reached? This is my second time trying to protect my credit and telling them I can not afford this debt with everything going on. I would like a lower payment or at least a XXXX grace period to give me time to make the payment and not ruin my credit over this. My account has been enrolled in the zero-interest payment since XX/XX/XXXX so I am not sure why the attached letter says it was going to enroll me because I have been enrolled with the {$170.00} payment. What I am saying is right now this payment has become out of reach for 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-15 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
They run my credit report to many rime and Im authorized that

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