vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  ( XXXX  ) XX/XX/2022 XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: GA

Complaint narrative:
Charged a late fee of {$29.00} for a shortage of {$3.00}. Shortage was paid same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023, XXXX illegally updated my credit score to show that I have a balance of {$390.00} which was false. 

1. I had a balance of {$0.00} 2. The creditor did not yet report my account for the current statement period but, the credit bureau, XXXX falsely came up with a number which dropped my score XXXX points. 

I contacted my creditor and I was told I had {$0.00} balance but, they're yet to report this score. Upon speaking with XXXX, they told me the amount was reported but this is false because I did not have any balance. They opened and investigation but, my score never went back up XXXX points not was the remark taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
On XX/XX/2022, I requested a re-investigation with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " TRANS UNION LLC CONSUMER DISPUTE CENTER, With no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures

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 2023-02-15 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: IA

Complaint narrative:
I was in the process of getting a home. After they checked my credit report after being denied I saw four accounts that were not mine. I submitted a fraud 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 explanation
Consumer complaint received 2023-02-15 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  : XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX-Inquiry Date XX/XX/XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX - XXXXXXXX XXXX- Inquiry Date XX/XX/XXXXXXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX -IXXXX XXXX- Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX- Inquiry XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello team, Can I raise a request with you to send me in PDF format bank statements for the year 2022 from XXXX till when you closed my account. 
I need them for bookkeeping purposes. 
Account Name : XXXX Type : XXXX  Checking ACH/Bank Routing Number : XXXX 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 2023-02-15 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: NV

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
On XX/XX/2023, I was contracted at my work phone by a woman who identified herself as XXXX from Professional Choice Recovery ( XXXX  ), regarding a debt I owe of about {$400.00}. I told XXXX that I would like to be sent a validation of the debt, and to call my personal cell phone - NOT my work number. She hung up on me. 

Today, on XX/XX/2023, I have still not received a validation of the debt and continue to be contacted on my work line by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo does not know my name. I have continually supplied to your banks my correct last name? You have been supplied my marriage certicicate numerous times Why is it a continuing problem. Please explain?

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 2023-02-15 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: IA

Complaint narrative:
I was in the process of getting a home. After they checked my credit report after being denied I saw XXXX accounts that were not mine. I submitted a fraud 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 2023-02-15 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: IA

Complaint narrative:
I was in the process of getting a home. After they checked my credit report after being denied I saw XXXX accounts that were not mine. I submitted a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit repair specialist have sent in multiple documents to XXXX, Transunion, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, Transunion and XXXX about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all XXXX companies. 

Everything that I have ever filed will be attached to this complaint for proof.

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 2023-02-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit repair XXXX have sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all XXXX companies. 

Everything that I have ever filed will be attached to this complaint for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: MD

Complaint narrative:
On XX/XX/2023, Equifax illegally updated my credit score to show that I have a balance of {$390.00} which was false. XXXX. I had a balance of {$0.00} XXXX. The creditor did not yet report my account for the current statement period but, the credit bureau, Equifax falsely came up with a number which dropped my score XXXX points. I contacted my creditor and I was told I had {$0.00} balance but, they're yet to report this score. Upon speaking with Equifax, they told me the amount was reported but this is false because I did not have any balance. They opened and investigation but, my score never went back up XXXX points not was the remark taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: SC

Complaint narrative:
I went to go cash a check through Ingo money, using XXXX. Everything went smoothly for the first check. I proceeded to cash another check subsequently because the first one had went through, and it was declined. I called customer support to figure out why it was declined, to see if something had been done wrong and they told me that it was missing the year and to resubmit the same check again. I resubmit the same check I'm afraid to get declined again. I call customer support for them to tell me that they have informed their authentications Department of an incoming check, and a customer support told me to put the check through again in a few hours. I waited a few hours, and did so again where it declined. After calling customer support a third time, and let them know about the situation, they tell me that to try a brand new check into submit that again. At this point, going back to the same person and asking them for a third check made me look fishy, and made me embarrassed to even do this because they did not have a bank where I could cash it at so I was forced to use mobile deposits. It declined, and I called customer support again a fourth time, where they told me they would talk to verifications and let them know of another check coming through, and to try again in 24 hours where I proceeded to do so. Shortly after I waited the 24 hours and submitted the check, it declined once more and I was promptly barred from the service. This is absolutely outstanding that they would even do something like this, telling me to do all these verification checks, take no accountability with their customer service, and the fact that so many financial institutions use Ingo Money leaves me with no choice. There is virtually no service that I can use online for mobile check cashing that doesn't go through Ingo Money. They even recommended to go use XXXX XXXX or XXXX but XXXX XXXX  doesn't offer that service to everybody. Also hilarious that XXXX uses Ingo money, so the customer service representative basically did everything in their power to XXXX me out of the service, making a fool out of me, and making it impossible for me to ever use mobile check cashing again. I had to wait literally over a week for that check to clear, which was an embarrassing situation and put me in a bad spot because I was expecting that money and the client was also expecting the money to be taken out of their Bank promptly and not an entire week later, especially after writing five or six different checks, making me look like I was a fraudster. This whole situation was embarrassing, humiliating, and stupefying as to why they take no responsibility for the customer service representative telling me to do all these things, and then proceeding to disallow me from their service when I have completely legitimate checks to cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
In XXXXXXXX XXXX  I used a check to purchase a product for {$1300.00}. In XXXX, I discovered the check had been withdrawn twice from my account. I submitted a dispute to my bank, USAA, and they informed me they could not do anything because it had been over 60 days since the check was withdrawn. 

I contacted the recipient of the check and we verified the check was only deposited once into his account. In XXXX, I went with him to his bank and we verified with the help of someone at the bank that he did not receive the funds twice. 

In XXXX, I contacted USAA again and they provide me with two tracer numbers as evidence that the recipient 's bank received the funds twice. 

I do not have a way to contact his bank, XXXXXXXX XXXX, because I am not a member other than to talk to the representative we met with in XXXX. I have attempted to contact that person four times, but she has not responded to my calls and email. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I emailed on XX/XX/XXXX. 

Today, XX/XX/XXXX, I contacted my bank again and they refuse to help any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: U.S. BANCORP
State: KY

Complaint narrative:
I can not get USBank to correctly update and remove a paid off account from my report on all 3 bureaus. I have requested they remove the account and their own processes do not allow this. I simply need it removed entirely and they refuse to do so.

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 2023-02-15 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The creditor reported my account late 1x 30 days late and it has never been late. I applied for auto pay online, but there was a problem with their system, and the payment was never credited properly, when they brought it to my attention I paid it immediately. It was not my fault. I called the creditor and they said they would investigate and remove the 30 days late payment using their XXXX XXXX. This late payment is preventing me from getting a loan which I need to save my business. I am never late and I always auto-pay my bills.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was closed with no given reason and I still have not received my money from that account..my paycheck was direct deposited into my account the day before it was closed and a check has not been mailed to me .I have called many times still no reason given to why my account was closed or where my money is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I had my account on auto pay and didn't have to worry about manually making the payments. Once I see the payment was missed in XXXX for XXXX, I asked them why it was turned off of auto pay and if they can remove it off of my credit and they said no due to it being expired? Its hurting my credit and the account is up to balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have called them several times to lower my payments back to $ XXXX and was told that they couldn't do anything until XX/XX/2023. Which by that time they would have reported to my credit for 4 months and my co-signer, basically destroying our credit..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation