vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
The credit bureaus are continuing to report inaccurate information on my credit reports. The student loans from DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX are reporting opened when these accounts are closed. 

This has caused so much damage to my credit reports and has hindered me from getting approvals. I have disputed these accounts with the credit bureaus XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 AND XX/XX/2022 and they have not conducted a proper investigation. 

Because it is no way that DP OF EDUC, U S DEPT OF EDXXXX, US DEPT ED, DPT ED/XXXX, DOE XXXX would have verified that XXXX XXXX are opened when they are closed. 

I am demanding that the following accounts DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX , US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX be deleted from my reports asap due to numerous violations of the FCRA.

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received a 1099 misc from capital one, I contacted capital one to clarify what the reported income was on XX/XX/2023 and was told they would look into it called back 10 days later and was told they needed more time. I have called again and the department which handles this still has not responded. I am unable to file my taxes because I didn't receive this income capital one is reporting I have received and I need the correct information before I can file my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

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 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 2023-02-24 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: CA

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/23, XXXX XXXX  sent me a notification about credit inquiries from Comenity Bank. Someone fraudulently applied for credit cards for XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I have called XXXX and Comenity Bank about the issue and so far the fraudulent activity remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: OH

Complaint narrative:
Experian has furnished a consumer report about me without my consent. THEY BROKE THE LAW. 

15 U.S. Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

I, the natural person/consumer never gave experian written consent to furnish a consumer report about 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 2023-02-24 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-24 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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:
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 ACCT # XXXX, ACCT # XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX, ACCT # XXXX  ACCT # XXXX. XXXX XXXX  ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states 2 ; it also a 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have been a customer of Citi Bank since XX/XX/XXXX, and I have a credit card account with them. My credit card APR standard purchase interest rate has consistently been at 9.99 % until this past XX/XX/XXXX, when it was increased slightly to 10.74 %. I received notice from Citi this recent XX/XX/XXXX that they would be raising my APR standard purchase interest rate to over 17 %. 

Citis explanation for doubling my APR standard purchase interest rate, as communicated in my XX/XX/XXXX statement, was due to : - A reported credit score of XXXX ( from XXXX ) - The number of accounts I have in delinquency - Too few accounts currently paid as agreed The aforementioned explanation Citi provided above is untrue and unfounded. My credit score, as reported by XXXX, is XXXX ( XXXX could not provide me with my credit report ). As per my XXXX credit report, I have been late with ( 1 ) credit card payment in a total of 10 years across ( 6 ) credit card accounts. Additionally, with the exception of this ( 1 ) late payment, all of my credit card accounts report " exceptional history '' with me, including Citi Bank.

I therefore disagree with Citis explanation and associated 200 % hike in my credit cards APR standard purchase interest rate. I contacted Citi Bank today, Friday, XX/XX/XXXX, via phone and I communicated everything Ive written in this message to a Citi bank agent. I asked that my APR standard purchase interest rate be changed back to the previous 9.99 %. 

The Citi Bank agent filed a report and this associated request for me, and she said that it XXXXay or may not be considered by the bank.

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 2023-02-24 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I reported fraud for my Wells Fargo credit card and they file a fraud claim. My credit card was stolen and I received a text massage from WF asking me if I was the one making this charges and I inmidially replaid NO and I called WF to cancel credit card. I received a provisional credit and then after weeks they denied my claim. When I call WF and I ask why my claim was denied they told me because we believed ITS NOT FRAUD because I shop with this merchant in the past. I requested to talk to the manager and I make a complain so far no one have resolve my issue. I can not believed they denied me because I had shop before with some of the companies my credit card was charge. I told then I have this credit card for years and i always pay in full everymonth my balance. My credit is perfect and I am a very honest person. And I guess they dont care, I reported to the credit bureua already. I advised to WF not going to pay what i did not used. Period.

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 2023-02-24 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: VA

Complaint narrative:
The following account is being reported inaccurately on my credit report by Trans Union. 

XXXXXXXX XXXX XXXXXXXX # XXXX I demand that this account is corrected or removed from my credit report immediately.

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 2023-02-24 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: TX

Complaint narrative:
There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX XXXX onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.

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 2023-02-24 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: Transfinancial Companies, Inc
State: TX

Complaint narrative:
There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX PD onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: PA

Complaint narrative:
This complaint is in regards to the Army and Air Force Exchange Service. Their preying practices on individuals who the debt does not solely belong is immensely negligent, and just because they are considered a " government agency '' does not intimidate me nor will it prevent me from exploring all avenues to correct their grossly negligent actions. This credit card is only available for members associated with the armed forces ( therefore I was only able obtain this card with my now ex husband who is the active duty service member ). With that being said a card was opened with this credit card company with my now ex husband on the card as well. Our divorce was finalized in XXXX of XXXX with many court orders with the a specific mention to the Military Star Card. My ex husband is responsible for {$2900.00} per a court order signed by a California judge. However, the Army and Air Force Exchange Service made no attempt to contact my ex husband who is listed or pay attention to the court order which I did email to them on XX/XX/XXXX. I have the email correspondence that I would be glad to share. I also have all of my court documents that I will be glad to provide as well. The Army and Air Force Exchange Service has the capability to garnish the service members pay, but they did not do that and refused to acknowledge a court order. This is a service member who has several security clearances ( does not pay his court ordered child and spousal support either so how he can continue to carry these clearances is beyond me. I hope a bench warrant is issued in the future for his massive arrears ) and brings home over {$6000.00} a month, but instead they choose to prey on me and the debt is not solely mine. It seems as if the military likes to enable financial negligence in all avenues and this also includes protecting their service members with security clearances who do not even provide the court ordered support for their own two children. I intend to explore all avenues including contacting the attorney general, small claims, and if needed trying for the Supreme Court. This " government agency '' needs to to be held accountable and do the right thing by enforcing the proper action on court orders.

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 2023-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On internet search for high yielding accounts, I came across Current, which claimed to be a financial technology company, offering 4 % APR on my deposit. I opened an online account on my mobile phone via Current App and transferred {$5000.00} from my bank checking account online on XX/XX/23. The money was sent by my bank to Current today. I got an email from XXXX that my account was suspended and all my access to my account was removed. 
I am unable to login to my Current account, and not being able to reach anyone by phone or email. 
On further search, it appeared that Current was associated with XXXX XXXX XXXX out of XXXX, ND. I called them but I am not getting anywhere. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
I leased a vehicle on XX/XX/XXXX for 3 years on XX/XX/XXXX2023 I traded the vehicle in prior to end of lease. The dealership I purchased the new vehicle from sent the pay off check which was recieved by ALLY XXXX on XX/XX/XXXX in the amount of {$49000.00}. 

On Monday XX/XX/XXXX I noticed ALLY had recieved the check via their app and contacted them thru mobile chat and spoke with XXXX asking why my account showed I still had a payment due XX/XX/XXXX. I was told I had to get the dealership involved and they would provide me little to no information. In the several attempts the dealership contacted ALLY they have been given the run around. 

The dealership was told the week of XX/XX/XXXX to give it 3 to 5 business days for the payment to process. 

I then contacted ALLY customer service on XX/XX/XXXX and they advised me they had the check and not to pay the payment due on XX/XX/XXXX. 

On XX/XX/XXXX the dealership again contacted ALLY ( as now my account is showing I am past due on my payment ) ALLY advised the dealership they had not recieved a form that I had sighed on XX/XX/XXXX and stated they aren't processing the payment due to this form being missing. A month after the deal was done they had not attempted to reach out to me or the dealership in an attempt to get this form.

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 2023-02-24 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This company Is reporting late payments to credit bureaus without my consent. 

This company also have broken a law. 
15 U.S. Code 1666b I have never received a letter 21 days before due date. 
I only recieved mail telling me that I am in danger of repossession. 
Which violates law 15 U.S. code 1692j - furnishing certain deceptive forms Please remove all late payments account - ALLY FINANCIAL account number - 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 2023-02-24 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions Bank has repeatedly placed a multi-day Hold on my VISA Business Credit Card 's amount of Credit AFTER payment of the Statement Balance has transferred to Regions Bank. Most recently a 7-Day Hold was placed on the VISA card 's Credit between payment on XX/XX/XXXX XXXX through XX/XX/XXXX. I presented proofs of transfer as of XX/XX/XXXX from the XXXX XXXX of full Statement Balance payment of {$4900.00} to the Regions Bank local Branch and to Regions Bank online customer service. Regions Bank employees were sympathetic, but their superiors in the upper offices of Regions Bank would not lift the Hold. The Hold lasted till XX/XX/XXXX. It caused many problems for my wife 's and my XXXX XXXX XXXX XXXX XXXX 

Regions Bank had placed a similiar, irrational Hold on funds the previous XXXX. 

I think this Bank 's practice of such Holds might be akin to Regions Bank 's misrepresentaton of customers ' account-balances and hence R B 's collection of Overdraft Fees. Compliments to the CFPB for twice catching Regions and compelling the XXXX {$56.00} million and XXXX {$190.00} millions penalties. Please call if any more information is wanted. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX mobile

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 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR

Complaint narrative:
Dates : XXXX XXXX 2023. Amount of " money '' sent to me was {$4900.00}. I will note that I did not try to deposit this at all because it's not legit and I knew from the start. 

There is a company going around hacking accounts on social 's to pose as real companies trying to hire others, they will give you an offer that sounds too good to be true, offer to pay you up front, for minimal hours. They say they will mail you a check with your payment and funds to buy things for your personal home office space. This is all a shame, they tell you to use the check via atm or online deposit and specially tell you NOT to go to your bank, this is the biggest red flag. Their checks do not look legit either and the company they claim it will be sent from does not exist and the company it is sent from is one that tries to mimic a legit life insurance company. 

They try to pose as " XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX ''. The check is signed by a XXXX XXXX from New York, which is likely not the actual XXXX XXXX.

Company response to consumer: Closed with explanation