vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
FILED ON XX/XX/XXXX STILL NOT GOT IT BACK XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: PA

Complaint narrative:
The company XXXX XXXX is inaccurately reporting late payments on a closed account I had with them. Per the US Law Late payments are transactions between the creditor and I. Reporting these transactions is a violation of the law below and I would like the inaccurate information reversed. 

XXXX XXXX XXXX XXXX ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Please reverse or set to paid as agreed the below accounts : -XXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported my transaction was 60 days late. 
XXXXXXXX XXXX you reported my transaction was 90 days late. 
XXXXXXXX XXXX you reported my transaction was 120 days late. 
XXXXXXXX XXXX you reported my transaction was 150 days late. 
XX/XX/2020 you reported my transaction was 180 days 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 2023-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed numerous complaints with the 3 credit bureau 's about my XXXX XXXX credit card issued by XXXX XXXX. XXXX XXXX is reporting to them every month that I am over the credit limit. It appears to me that XXXX XXXX is selectively ( profiling ) minorities by indicating that I am over the limit to all three credit bureaus. They are selecting what to report instead of reporting accurate account information to the bureaus. 

I have never went over the credit limit on this account. I have made numerous attempts to resolve the issue with XXXX XXXX by requesting a status update letter. However, the letter does not indicate the credit limit. 

I do believe that they are not practicing in good faith as it relates to addressing concerns of minority Americans. I believe they are targeting minorities by reporting inaccurate information to the credit bureaus every month. 

I called XXXX XXXX and asked them would they tell me the day that my credit card was over the limit or even when I owed {$5000.00} on the credit card, both supervisors that I spoke with told me that I was never over the credit limit.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
A credit card was opened fraudulently with my information through Capitol One in XXXX. The phone number Capitol One has on file for account is a number specifically designated to Make calls to & from XXXX. The adress they have on file I didn't live at until XXXX. I did NOT open this account. I can even prove that I NEVER made any payments with any bank account. 
I didn't know of this until receiving a collection notice from a collection firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Lets examine Liability showing 0 Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/2020. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible 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 explanation
Consumer complaint received 2023-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An account with Capital One was opened in my name on XX/XX/XXXX. The account was opened as fraud. Per conversation with the Capital one, the rep said the account could have been opened under my social security number as a authorized user. The account was also opened in Florida. I've only ever lived in Georgia. Also, whoever opened the account used a Florida address and that is also on my credit report. I am a victim of fraud. Also another account was opened in my name on XX/XX/XXXX. I haven't created any accounts since opening my only credit card in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WV

Complaint narrative:
account was closed by bank. I did not know till after XXXX of XXXX. My employer sent direct deposit and it was not returned to employers account. Deposit never credited to my bank account. Chime bank still has my money. Two deposits, one for {$66.00} and the other for {$69.00}. 

Chime bank gave me a new account and new card but never refunded me for lost wages from closing my previous account. It took almost a year to get the new card. New account has XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a Citi savings account in XX/XX/XXXX with a {$450.00} promotion for depositing and maintaining a {$50000.00} balance. The terms stated that i had to retain the {$50000.00} for 60 days, then the {$450.00} would be paid within the next 30 days. 
After the 60 day period passed, and the 30 day waiting period passed, i did not receive my bonus. 
I reached out to Citi, who told me that i'd receive the bonus in 2-3 days. That didnt happen. 
I then reached out and was told that my 30 day waiting period ended on XX/XX/XXXX, so i'd receive my bonus then. That also didnt happen. 
I was then told my issue was sent for review and that i'd receive a response in 5 business days. That also didnt happen. 
I was then told that the team reviewing cases that typically have a 5 day XXXX were on a backlog and that there was not a clear timeframe that could be provided.

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 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I notified Credit Collection Services that absent any legally binding contract between myself and Credit Collection Services, I will not be forced to do business with them and to cease and desist any and all collection actions against me. I informed Credit Collection Services I would not be extorted. Also that reporting of negative accounts to the credit bureaus was a form of extortion and respectfully to get off my credit file. 

As recently as XX/XX/XXXX Credit Collection Services is still reporting and validating an account I do not owe them. At this point I am reaching out to report their illegal activities in preparation of further legal remedies to stop this abuse and harm to my financial status, as the reporting has damaged my fico score and cost me to become ineligible for funding, loans and credit. 

It has also resulted in me being charged extremely high interest rates on my vehicle loan. Credit Collection Services was placed on notice by myself more than 90 days ago to cease their illegal practices, Yet continues to ignore and disregard the severity of their atrocious actions. It has been close to 3 years to be exact! I have attached copies as proof to this communication in the form of my certified proof of mailings delivery receipt via USPS, the C & D letter, as well as a screenshot of the account being reported to the credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OK

Complaint narrative:
Auto loan opened without authorization due to Identity Theft. Reported to all 3 major credit bureaus as well as Elan Financial and they have refused to accept and remove. I have provided police report as well as identity theft documentation from the Social Security Administration.

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 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: SC

Complaint narrative:
I received a VERY rude and berating call from the representative at IQ Data INC. They constantly interrupt and cut you off. By far the most insulting experience from a company I have received. This was for an old apartment that I actually paid on time EVERY month and had proof I always paid and gave proper notice as well as completed my lease term. The company that reported to them does not even manage the apartment complex anymore. I tried to explain to the reps at IQ Data INC and they became insultingly rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage, XXXX XXXX XXXX XXXX, TX XXXX - Loan # XXXX XX/XX/XXXX, Freedom made premature payment on property insurance after I informed them not to pay because, I had the policy carrier to reduce the annual cost. They overpaid by {$780.00} which the insurance company refunded to me in-turn XX/XX/XXXX ; I paid the {$780.00} back into loan escrow which should cause overage in escrow. Then XX/XX/XXXX Freedom did an Escrow & Interest rate analysis in-turn stated there is escrow shortage as their cause to increase the escrow & interest rate on my mortgage. They established their total monthly amount due which is setup for auto draft from my bank account yet since XXXX, XXXX, XXXX they created " shortage fees '' and informed me that they took it from escrow, yet monthly statement reflects they did not correct their error - and each month have me overpaying while they blame me for their ERROR $ and take more of my money! Atop this, five months later here in XX/XX/XXXX, they did ANOTHER escrow & interest analysis, and they state {$100.00} escrow surplus ( should be greater for I deposited {$780.00} ) and mailed {$100.00} AND WITH NOTICE THAT THEY INCREASED INTEREST RATE AGAIN ( they raised interest rate back in XX/XX/XXXX ). I DEPOSIT THAT {$100.00} BACK INTO THE ESCROW FOR THEY KEEP CREATING ESCROW SHORTAGE - NOW THEY SAY ESCROW OVERAGE AND THE VIOLATION BY LAW CAN ONLY INCREASE THE INTEREST RATE ONCE A YEAR! THEY ARE SCREWING ME OVER WITH FALSE ESCROW SHORTAGE, TAKING MORE MONEY FOR THERE WAS NO SHORTAGE AS THEY ISSUED AN SURPLUSS - THEY BY LAW MUST REDUCE THE INTERESTE RATE! I SEND THEM MESSAGE AND THEY TAKE NO RESPONSIBILITY FOR THEIR ERRORS- THEY MAKE RUSE EXCUSES! I DEMAND REDUCTION IN INTEREST RATE FOR THEY JUST RAISE IT 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 2023-04-10 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: OK

Complaint narrative:
On XX/XX/2023, I wrote a dispute letter to Transunion, stating that they were reporting a collection as an open account ( {$240.00} ), which under the FCRA, is not compliant and this is inaccurate reporting and needs to be removed immediately.They reply to me.. '' is that it is accurate '', which it is not.

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 2023-04-10 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:
I disputed and Company delayed for over 3 month, got results and did did nothing, didnt investigate like the other 2 Credit companies which found in my favor. I disputed to TransUnion that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. TransUnion never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their services on fear.

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 2023-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A public record from a court shows and shouldn't. The court does not report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX  XXXX  : XXXX, has violated my rights.

These accounts are inaccurate are under litigation and under the HIPAA Act. These account needs to be closed. Not only closed but removed from my credit report immediately.

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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have filed two claims for a XXXX payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted Wells Fargo and ask that they try to cancel the payment and/or reverse it. I informed Wells Fargo that I was a victim of a scam and fraudulently induced payments through XXXX. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. 

I have been made aware of a new XXXX Policy that should cover my situation and allow for reimbursement of the {$3000.00} from Wells Fargo. I am sure you are also aware of this secret XXXX policy as well. 

" We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent Thursday to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of XXXX. 
The new requirements, according to the statement, are being added to " ensure consistency across the XXXX XXXX and improve consumer benefits. ''

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