vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 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: NM

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XXXX I received a charge of {$100.00} for XXXX XXXX and an {$8.00} XXXX XXXX XXXX fee. The {$100.00} charge was credited the same day but the fee was not reversed. I did not make this charge and have never used the service so I filed a dispute with the card issuer. I called back after the 90 day window ended to follow up on the status of my dispute as I had never received an update. When I called I was told that my dispute had been closed and fees do not get reversed, even if they are associated due to fraudulent charges. In the cardholder agreement it only says that fees are not reversed in the event of a return. There is no mention of the customer being responsible for fees due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE
State: NV

Complaint narrative:
You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. The payment summary is incorrect and the following account is no longer reporting to all XXXX credit reporting agencies it is only now reporting to one.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, TransUnion, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as XXXX 

Remove this account from my consumer report now!!!

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Since XX/XX/2023 to now Capital one been sending me emails promoting Quick Silver credit card and i would get hgher limit than my Platinum  credit card i had for about XXXX ... I kept telling capital one just give me XXXX credit limit.They never would, and in emails say i been paying ontime over 9months, but its been over year on time.So they offer me QuickSilver credit card, and it is pre approved.Get no rate for 9months than it be 29.8 % higher than iam paying now Platinum.And when i fill out application it have no effect on credit report, bunch XXXX XXXX! My score was XXXX than it drop to XXXX, hmmmm??? My Platinum  Credit Card is XXXX limit i use lot i pay from XXXX or more amonth for over year, they refused to give me higher limit, i ask for XXXX limit for me putting up with there illegals employees can't speak English to good..Iam XXXX  over XXXX i should get better rate, and hgher limit..I applied XXXX XXXX, Capital one gave me QuickSilver credit card with only XXXX limit, and keep saying they sent card out .That i can activate it now.I called in about Quick Silver card twice, and last represented illegal guy XXXX ask for my whole SS # i said thats fraudulent, i should only need give my last four numbers.He said i can't check account on QuickSilver, unless i give my SS # all my numbers, so i did..He said he fix few things and said he can raise my limit higher, and get my cards out in mail to XXXX XXXX ASAP.He ask if i wanted to activate cards now, i said heck no, i not even got cards.But in text message say its at XXXX XXXX XXXXXXXX XXXX, and Our XXXX XXXX  is over XXXX miles away, it is very expensive to drive XXXX XXXX, i had half tank i left XXXX XXXX to get mail, No Capital one QuickSilver  Credit Cards.I had to put XXXX dollars in off my Platinum  C/C , ..Capital one owes me XXXX bucks reimbursement on my card, for lying cards in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: LA

Complaint narrative:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IA

Complaint narrative:
To Whom It May Concern On XX/XX/2023 I've purchased a part for my XXXX. Order number XXXX for total price of {$140.00} *The part did not fit and so I mailed it back for a refund in its original packaging. I did not even remove the part from packaging. It was a trim piece so I knew it would not fit. 
XXXX provided me with a label to ship the part back of which I shipped it right away. 
*Once I saw via tracking that XXXX received the part, I inquired on the refund. 
*I have been told by XXXX XXXX XXXX that he processed a refund on XX/XX/2023 then again on XX/XX/2023 however my bank ( US Bank ) along with XXXX states there is absolutely no refund on the account. I do not see any monies in my account either. 

US Bank is refusing to file a dispute on my behalf though I know that US Bank is insured. I am out of {$140.00}. In addition, I have provided US Bank multiple emails stating from the merchant that they have supposedly refunded the money. US Bank agreed that there is no money refunded however US Bank is refusing to help. This is nothing but a fraud case and US Bank should stand by their clients. 
I am extremely upset that I can not trust my own bank to protect me in such cases. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2023-06-24 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: TX

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.

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: MD

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXXXXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX  Balance Owed : {$8200.00}.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
I paid {$41.00} for a minimum payment on XX/XX/XXXX and {$47000.00} for tthe whole posted balance on XX/XX/XXXX for XX/XX/XXXX XXXX, which has {$400.00} of a new balance due XX/XX/XXXX. But I was charged {$8.00} for " interest charged to standard purchase '' on XX/XX/XXXX XXXX ( see my XX/XX/XXXX and XX/XX/XXXX Statements ). 
I asked them how to calculate their interest charged at {$8.00} for one day delay with the remaining balance at {$360.00} and standard puchase interest rate at 20.24 %. They rejected. I claimed it was a fraud. I attempted to file a complaint in their internal web site online, but XXXX XXXX XXXX does not work though listed there. Their receptionist refused to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-24 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: MD

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX ) XXXXBalance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$700.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a mortgage account with PNC Bank. This is a relatively new account and we had decided to pay the property taxes on our own. The XXXX country never sent us the bill for the taxes and just sent us a notice of delinquent payment which we did pay right away. 
Now I got a letter in the XXXX mail from PNC reporting that a recent review of the tax records indicated the real estate property taxes are delinquent. They wanted us to provide proof of payment within 30 days. 
The letter also stated that this is the only notice that we will receive and that if the proof is not received by the bank in 30 days, the bank will establish an escrow account and advance payment, which will include the current amount outstanding and any penalties and interest due, to resolve the delinquency. The escrow account will remain in effect for the life of this loan. 

Now here it all goes bad. I find this letter threatening and unscrupulous in the fact that PNC has been corresponding with me and sending other emails but sends this notice in mail and puts the burden of presenting the proof squarely on me. I tried to send a copy of the proof of payment via email but it was undeliverable at the provided email address. I tried calling the phone number provided on the letter but no one responds. It only gives a pre-recorded message. I tried calling the regular PNC bank and talked to customer service in mortgage department and she gave me another email address that I should send the proof of payment to. I have sent it again to the newer email as well. 
From all this, it appears more like the bank is more interested in levying fines and fees from me rather than getting the proof of payment. Also, if the bank can find that I have not paid property taxes then why can they not trust me and collect the information about taxes one more time. The bank makes it certain to tell me that this is the only notice, what if I had not received it in mail, what if the mail had gotten lost, why does the bank not try multiple avenues like email and regular mail. 

I request that CFPB looks into such predatory practices of PNC bank and protect innocent customers like me. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to all the bureaus to address inaccurate and fraud accounts and inquiries that are reporting and that do not belong to me. PER 15 1681B I DID NOT AUTHORIZE you all to furnish this information. Let alone furnish FALSE AND FRAUD INFORMATION. THESE NEED TO BE REMOVED 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 2023-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to all the bureaus to address inaccurate and fraud accounts and inquiries that are reporting and that do not belong to me. PER 15 1681B I DID NOT AUTHORIZE you all to furnish this information. Let alone furnish FALSE AND FRAUD INFORMATION. THESE NEED TO BE REMOVED ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: TX

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The vehicle I had a loan on with Capital One was deemed a total loss by my insurance company ( XXXX ). Capital One marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX ( date of loss was XX/XX/2021 ) I received my payment XX/XX/2021 and XXXX did not pay them until XX/XX/2021. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.

Company response to consumer: Closed with explanation