vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: MI

Complaint narrative:
XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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:
XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 XXXX managers conspired against me burly reporting to the credit bureaus that I obtained my credit through identity theft. They sent documents to Equifax via US Postal mail indicating that all my credit was obtained by identity theft. XXXX white employees are racially profiling me and been harassing me since XX/XX/2023 when I contacted them to file a lawful dispute against a merchant in regards to an online order I made on XX/XX/2023 that was not fulfilled by the merchant. 

XXXX contacted the credit bureau and submitted false documents using my name and impersonated me. Without my knowledge or consent. I became aware of this issue on XX/XX/XXXX and immediately contacted Equifax and advised that the information received by XXXX is false! Instead of stopping this Equifax sent notification to my Creditors which resulted in one credit card by XXXX XXXX being closed due to fraud application. 

To this day XXXX also closed my credit card account for no lawful reason. Their ongoing harassment and lies has caused me to be harmed financially! All of my credit was obtained using my name. My social security number and date of birth! I have never obtained any credit by identity theft. 

XXXX employees put false notes on my credit card and sent false information to the credit bureaus. I need help to stop XXXX from doing this to me. 

Equifax confirmed they received two documents from XXXX with my name, social security number and date of birth indicating that this information is identity theft! That is a lie! I was born in XXXX XXXX XXXXXXXX and I am an American Citizen, both my parents were born in the XXXX XXXX and matter of fact my deceased Father was an XXXX XXXX XXXX veteran who fought in the XXXX XXXX. 

XXXX hires racists who use their job to harass and discriminate against people of XXXX. Their harassment and lies has caused me tremendous pain XXXX  and stress! XXXX XXXX employee has terrorized my life and causing me financial hardship! I need help to stop this. 

To date XXXX false reports to credit bureaus resulted in me being locked out of my online account with Equifax and Equifax taking adverse action towards me! I am a human being and need XXXX to stop this ongoing harassment and violation of my rights immediately! XXXX also put my life and my family life at risk by sending the Police to my home by making false accusations against me! Their harassment and terrorizing my life is ongoing. Their managers by the name of XXXX XXXX XXXX are just a few of their employees involved in this because I am a XXXX woman! Also they reported wrong information to credit bureaus stating I went over my credit limit and reporting a false high balance! I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I paid off the full balance on my Capital One Quicksilver card, ending in XXXX. Three days later, on XX/XX/2023, they charged {$43.00} in interest to the prior balance that had been paid off. It is important to note that when I paid off the balance, there was no indication that interest would be charged after the fact, or any notice of what that interest was so that I could have chosen to pay off the interest at the same time. 

I had an identical issue with XXXX, and when I spoke with their representative, they removed the interest charges. Today, XX/XX/2023, i called and spoke with a rep at Capital One and explained what had happened. I was placed on hold and ultimately told there was nothing they could do. I advised that there should have been an option to pay off the balance plus any accrued interest at the time i had made the payment and that there was no indication that any additional payment would be needed. 

I have several cards with Capital One, all of which were paid off on the same date and this is the only card that had interest applied thereafter. 

I am simply asking that they remove the interest charge, applied to a {$0.00} balance, of {$43.00}, regardless of when that interest accrued. If the policy is that this interest be paid, then the system should offer the option of including any accrued interest when you pay off your balance. The screen clearly stated that I was paying off my full balance when I made my payment of {$1900.00} on XX/XX/2023, and that was clearly inaccurate information and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Account info Account name XXXX XXXX  Account number XXXX Account type Auto Lease Dear [ Creditor or Credit Reporting Agency ] , I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 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: PA

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Synovus Bank
State: NJ

Complaint narrative:
I applied for a First Progress credit card I deposited XXXX dollars but because I thought it didnt go through I did it again when I noticed I sent 2 amounts of XXXX dollars I called immediately to get my XXXX back they said I had to wait until it stopped pending which on XXXX the XXXX it was paid out of my bank I called customer service for my refund they said I needed to send a fax copy of my bank statement showing that the 2 amounts were sent and than they can refund me my money back. I called today and now theyre saying they didnt receive two payments even looking at the statement showing that they did. Im going to get a lawyer now because somebody stole my money and now theyre acting like they never received it. I just looked on the XXXX  website and they have done this in the past to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I opened a dispute on a charge as soon as I found out there was an issue. I was notified via XXXX XXXX who XXXX contracts with that the rental we reserved was no longer available a few days before we were supposed to be going to XXXX with our children. This caused us to spend XXXX  of dollars to make last minute changes. We booked the hotel months in advance and filed a dispute immediately after trying to resolve it with the merchant. USAA accepted the dispute on XX/XX/2023 and told me there would be temporary credits posted to the account within 10 days. This never happened and after 7 phone calls to the bank I finally had to file a lawsuit just to get someone to call me back in late XXXX. They then closed the dispute with no communication and reversed the credits they placed on the account on XX/XX/XXXX  they state because it was not handled within 60 days. THEY did not handle it within 60 days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: OR

Complaint narrative:
I filed an identity theft report on XXXX XXXX XXXX account additionally XXXX  and XXXX followed the law and deleted the accounts, This is clearly fraudulent information that Equifax is still reporting so it needs to be removed immediately per the FCRA 15 U.S.C. 1681 and 15 U.S.C. 1681c-2 ( a ). I have attached evidence of Equifax reporting this inaccurate fraudulent information. Furthermore, Equifax and XXXX are reporting XXXX XXXX XXXX inaccurately, and non congruent when XXXX had removed the fraudulent account, this also needs to be reporting accurately per the 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have submitted several identity theft complaints to the 3 major credit bureaus. XXXX and XXXX has not complied. 

I am asking you for help as this is affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX  XXXX via XXXX XX/XX/

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 2023-03-29 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: FL

Complaint narrative:
I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX  XXXX via XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: GA

Complaint narrative:
The following inquires are on Equifax and XXXX XXXX and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted Equifax and XXXX and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

Equifax Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/20XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: WA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account number : XXXX Account type : Charge Card Date opened : XX/XX/XXXX Status : Open. {$10.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX XXXX : {$55.00} Balance updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.

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 2023-03-29 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I filed a TEPSLF and PSLF application with MOHELA on XX/XX/XXXX. This certification certified my employment with the Social Security Administration from XX/XX/XXXX to the date of the application filing XXXX XXXX ( I have attached a copy ). I patiently waited for the Department of Education to certify my qualifying payments -- which just happened yesterday XX/XX/XXXX. I have 127 qualifying payments per that official count, however, MOHELA claims that only 119 of those are counted toward forgiveness because they do not have employment certification for the XX/XX/XXXX payment which would put me at 120 payments and therefore mean that my loans are completely forgiven under TEPSLF/PSLF. Thus, the failure to process my paperwork submitted nearly six months ago is what is standing between me and having my loans forgiven nearly 8 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: IL

Complaint narrative:
These items do not belong to me and I am asking that they are removed from my credit report.

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 2023-03-29 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: IL

Complaint narrative:
These items do not belong to me and I am asking that they are removed from my credit report.

Company response to consumer: Closed with explanation