vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting act XXXX  Account # XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.

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 2022-12-06 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:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have never lived in XXXX addresses .. but instead with friends and had my email, while out of the areas my mail was forwarded to the addresses. Since I can not send addresses, how do eliminate from my profile?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attached 3 accounts that are reporting errors and inaccuracies on my credit report and need to be fixed they are violating the FCRA and they are damaging my life please delete and also update my personal info

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 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I had a loan for a XXXX XXXX XXXX XXXXXXXX, of the amount of {$18000.00} and monthly payments of {$480.00} on XX/XX/XXXX XXXX weeks later the vehicle transmission broke down. and I returned the car to the dealer and told them that I don't want this car anymore and then I called the bank and explained to them what happened and that I didn't want the loan anymore. now I am being charged incorrect amount and we don't even have the car since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX/FORTIVA is reporting negative information to XXXX and XXXX when XXXX account XXXX closed without a past due amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Yes I had opened an account with capital one and had a few charges that weren't mine I contacted them and they corrected it and now they have froze my account and charged me for the previous charges that I had disputed and now my account is in the negative but they froze it so I can't even do anything with the account I've tried to contact them and they've told me my account is being closed and I tried to ask them the reasoning for this and they can't give me an answer so I don't know what they expect me to do. I asked if I send them proof that I was at work when some of the charges took place and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted Comenity/Victoria and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank fraud department froze my wifes debit card for transactions we made while having an ample amount of cash to cover said transactions. They failed to notify us of the freeze on the card. 

When we called in the to the bank and was connected to the fraud department, US Bank personnel refused to lift the freeze as they had determined internally that the card had been compromised.

One of the payments for which the freeze was put in place for was a for the premium payment made for my wifes medical and dental insurance through the XXXX XXXX XXXX XXXX. 

Their representatives refused to lift the hold on her card and hung up on us. We have no idea if a new card is going to be issued. 

This same card is utilized to pay for my wifes medication at the local pharmacy. We were told that we need to go to a branch location to get a new card. The nearest branch is XXXX to XXXX XXXX drive from where we live in XXXX. 

Upon calling the branch in Idaho where we had originally opened the account in 2004 we were advised that her card was also included in a group of cards for which there had been a data breach that allowed an outside entity to obtain debit card numbers. The location of the data breach or time had not been disclosed to us when the breach was discovered. 

It. Is my opinion that the Senate Banking Oversight Committee needs to investigate and question banking executives at US Bank about this data breach.

The process by which US Bank handles debit card freezes needs to also be reviewed. Our local Texas banking institution ( XXXX Bank ) notifies me by both email and text message of any suspected fraud compromises in my debit card and accounts. US Bank does not. They would rather cause financial, medical, and personal difficulties rather to appropriately and proactively notify their customers when there is a problem.

The resolution I am seeking is that the US Bank Fraud Department have appropriate customer engagement training. That US Bank implement an appropriate customer notification system for suspected debit card/ACH fraud issues. That US Bank have a proactive policy for notifying customers of suspected or actual data breaches within their system or the credit/debit card transaction clearing house.

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 2022-12-06 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: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.

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 2022-12-06 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 explanation
Consumer complaint received 2022-12-06 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This issue is related to ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Tried to resolve problems that XXXX XXXX didn't resolve. 
Bank of America customer service told me that transaction will be declined because I don't have to withdraw protection. 
My checking account is negative.

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 2022-12-06 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: FirstPoint Collection Resources
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, [ First Point Collection Agency 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I want you to know why Western union think it's fair for them to rob me the usd trades at XXXX Western union want to give u XXXX. Why should I pay them XXXX time. Why is it fair for them to trade well below what the dollar is worth. XXXX can never be a better place because everybody want to get over on everyone. I will not be doing know more business because you want XXXX $ out the money I'm send. How can you sleep at night we all see what the dollar is going for only for you your entitled to more. Your a thief and now I know I'll let everyone know. God sees what you do but yall gon na get yours I pay only to realize the pay rate is XXXX when everyone else is trading right. You will never get a dime more a me money. I hope XXXX punish yall

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.

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 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My credit report was ran and a collection from Ic Systems Inc representing XXXX a gas and electric company came up on my report. I got this information from XXXX XXXX XXXX XX/XX/22 So on XX/XX/22 I called Ic Systems Inc and they wanted me to pay {$470.00} to get the debt taken care of which is not my debt. I called XXXX myself and they never sent anything to a collection agency. 
I have XXXX XXXX the lady I talked to at Ic Systems Inc ) my bank card to put {$1.00} and my social security number to pull up my account. 
I believe this is a scam so I cancelled my card I gave her.

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 2022-12-06 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX  {$250.00} XXXX XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 Never Later Please remove the Late Payment the Account is closed

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 2022-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
My mortgage company at the moment is Freedom mortgage been with them since 2012. I recently looked into doing a cash out refinance and wanted information. Be very careful with them their employees will give you wrong information I was told that the lock in fee was refundable that is not the case and when you check your bank statements it show its an appraisal fee another thing they don't mention

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 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I sent email to XXXX explaining that i was at work and my cellphone service was not working properly. I informed them by phone as well as email not to respond to or communicate back or reach out to me from that address as it is my work email address and i am not to receive messages from them. Although i do not accept responsibility for the debt, they have a phone number or address on file provided by the original company should they need to reach out. I still received emails from that email address. Thye have made me feel bullied into paying by telling me they are going to report it to the credit agency on XX/XX/22 making me feel pressured to pay a debt before i can dispute it. They also have reported conflicting information. Example, they stated that they were informed by the original debtor that an exit inspection was not completed because the key was not returned. It does not state that anywhere in the paperwork we signed we intended on moving out. Also, we have no knowledge of the claim/damages being charged.

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 2022-12-06 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: TX

Complaint narrative:
I contacted XXXX and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and Transunion.

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 2022-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX and XXXX let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to Experian, XXXX and 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