vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes.

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as numbers of changes of phone numbers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which
none of the three major credit reporting agencies have obtained from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves XXXX box algorithms which filter according to categories such as numbers of changes of phone numbers. 

Such XXXX box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act. 

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: NY

Complaint narrative:
On XX/XX/XXXX of 2022, I mailed Transunion a copy of my Identity theft report along with a copy of my identification card which is my drivers license, a copy of my social security card, copy of Section 608B of the Fair Credit Reporting Act, and a written statement made by me where I mentioned all the accounts that were results of identity theft. As per USPS Tracking services, it says that Transunion picked up my mail at a Postal Facility on Monday, XX/XX/XXXX of 2022 on and or around XXXX XXXX and was signed by XXXX XXXX. 

Section 605B of the Fair Credit Reporting Act states ; Consumer Reporting Agencies must block the fraudulent information on consumers reports that resulted from identity theft within FOUR BUSINESS DAYS. 
But it has been 7 days since which Transunion received all my paperwork and they havent blocked or deleted all the information from my report. 

***PLEASE SEE ALL ATTACHMENTS FOR ACCOUNTS AND CLARIFICATION****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF THE WEST
State: IA

Complaint narrative:
On XX/XX/2022 @ XXXX XXXX I received a voicemail from a gentleman by the name of XXXX. He said he was Housing and Urban Development and the reason for his call was a sensative issue they had in regards to my home ( leaves my address ) and says before they proceed with legal action and start the foreclosure process on my home, I need to contact him as it would be in my best interest and leaves his number. 
Then on XX/XX/2022 at XXXX I received a call from XXXX again. This time he said he was with XXXXXXXX XXXX XXXX department and repeats the previous message about legal action against my home and how it would be in my best interest to call him. 
Around XXXX on XX/XX/XXXX, XXXX I returned the call I had received from XXXX and spoke to a man by the name of XXXX. When I asked who he was with, he told me California XXXXXXXX XXXX XXXX. He then asked for my account number and I told him I did not have it and I did not have a loan through them either. I proceeded to tell him that it was illegal to place phone calls and leave threatening voicemails as well. He then informed me that I had the wrong number that the XXXX does not work there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NY

Complaint narrative:
I mailed a letter with the same information below and got no response. 

Im sending this letter to dispute the following fraudulent inquiries. Below is the name of the companies and the date of the inquiry. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-07 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: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: CARTER-JONES COLLECTION SERVICE, INC
State: OR

Complaint narrative:
Account for my ex husband is showing on my credit report. Account paid in full on XX/XX//2022 Would like to have removed from my credit report because we are no longer married.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The problem is myEquifax is being too secure with how it handles its operation when consumers try to access my credit report and buy their products. I can't even access my information or keep my account with them current as I now have a different card. As a result, my account with them has been canceled and now they are trying to use my old card to keep my account current. This happened today. I understand from the XXXX  that there are hundreds of complaints about myEquifax regarding their business practices in the past couple of years. I'd go through them, we all need somebody with more juice to show myEquifax the error of their ways and straighten myEquifax if you know what I mean. Thank you for hearing me out. Have a good one!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a credit card with Capital One. Towards the end of last year, my income ended. I did my best to keep up with payments, but eventually the money ran out. I called capital one for assistance and they offered me the option to pay or pay. There was no forbearance program, and if I wanted to delay payment, I had to know exactly how much I would be able to pay and exactly when before I had even found a new source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: AR

Complaint narrative:
Credit was pulled without authorization on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
n accordance with the fair credit reporting act this agency XXXX XXXX XXXX Account number XXXX has violated my rights.

15 usc 1681 section 602 A. states i have the right to privacy 15 usc 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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express had a $ XXXX/month statement credit for using XXXX ( for platinum cared " members '' ) Turns out as of XX/XX/2021 they changed that credit and signed me ( and I assume many many others ) to an XXXX subscription with no notice, for $ XXXX/month.

When I inquired, Amex made it incredibly difficult to contest the charge, taking more than 2 hours and multiple reps and at least one supervisor to NOT resolve the issue.

When Amex told me I signed up for it, there's NO PLACE ON AMEX 's site to unenroll. 
They told to unenroll on XXXX 's site, but I'm not enrolled via XXXX 's site. How do I know? because I can't unenroll and it offers me to ENROLL.

Btw XXXX is even worse only way to contact customer service is via XXXX. Not their app, not their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 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: WI

Complaint narrative:
there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to Equifax, XXXX and XXXX since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
My card was supposedly used at an ATM withdrawing all of my funds less than thirty minutes prior to me trying to use the card myself at another ATM. It must have been a duplicate card because my card was zipped inside of my backpack as I was on my way to a different ATM than the one that was used to withdraw the funds. I immediately called to report the fraudulent withdrawal and cancel the card on XXXX XXXX, 2022 but Comdata did not provide a case number and said I had to wait 21 days to get one. However, having disputed with a different institution I knew that didn't sound right so after calling back on the XXXX to see if there was a case number I found out they hadn't submitted the claim and had to XXXX search their online access to submit the dispute myself but their website did not generate a case number either. I informed them of Regulation E guidelines but they said that they don't provide provisional credit and that they have their own policy. I also asked for a card with a chip for added security in case the card was skimmed or something, but I had only used it twice prior as a credit transaction so it's unlikely since they said a pin was used. The withdrawal was for over {$150.00} on XXXX XXXX, 2022.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name According to the FCRA, these unverified and unauthorized inquiries must be remove.

CREDIT BUREAU : EQUIFAX CREDETOR NAME : GUARANTEE LOAN SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have 2 cards with synchrony bank. One is a store Brandsmart Card and the other is Care Credit for medical. Wither respect to my store card initially received XXXX credit limit while making appliance purchases. I made on time payments and within 1 year with my balance @ XXXX this company randomly decreased my credit limit to XXXX which adversely affected my credit and made me incur additional high interest fees with them making my account over the limit. The same happened with the care card. I used it during the pandemic to offset my wife medical bills and was paying on time then the credit limit randomly dropped by XXXX and put me over the limit and I have to pay additional interest fees because of it. Its a shame that while so many creditors were helping consumers during the pandemic, synchrony chose predatory practices detrimental to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This company froze my bank account, 1 of them without my knowledge. I receive VA Benefits monthly, and I believe banks are not supposed to be freezing these type of government federal funds as they are protected. I explained that to them. They told me they are not refunding anything. This is illegal. They are returning everything that comes to that account ; how about you return my VA benefits and other money.

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 2022-03-07 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: NJ

Complaint narrative:
Equifax has fail to report dispute results to me in the 30 to 45 day time frame. They have violated the Fair Credit Reporting Act.. I send letters on XX/XX/2022 that they have recieved and still haven't received feedback or any results in the the mail. I have recently sent them a letter regards these concerns. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. 
XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In early XXXX of this year, I arranged to sublet an apartment in New York from XXXX XXXX, which involved a digital payment of the {$2500.00} deposit. We discussed whether to transfer those funds through XXXX or Venmo, and XXXX indicated that he highly preferred that I use Venmo. I would have preferred to use XXXX because it is integrated into my financial institution 's website, XXXX 

However, I agreed to make the transfer through Venmo, and paid {$2500.00} on XX/XX/XXXX. However, I had inadvertently marked the payment as being " for goods and services. '' XXXX objected to that, because Venmo would take a fee out and because that designation might have tax ramifications for him. So he contacted Venmo and arranged to refund the money, and I agreed to send him the same amount through XXXX. 

On that day, XX/XX/XXXX, Venmo told XXXX that they had issued me a refund, and that I would get the refund in 3 to 5 days. However, it is now 16 days later and despite hours of efforts on my part, the money still has not been returned to my account. 

Most recently, on Friday, XX/XX/XXXX, after having sent Venmo a copy of my most recent bank statement AND several pages of screenshots, I received an email telling me that my case was " being escalated to an Account Specialist who handles these issues. Someone from that team will reach out with the next steps within 7-10 business days via email. '' I wrote back and indicated that this was not acceptable, and haven't heard anything since.

Company response to consumer: Closed with explanation