vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
I am interested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: ALLY FINANCIAL INC.
State: AE

Complaint narrative:
Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XX/XX/2022 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 explanation
Consumer complaint received 2023-01-14 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: CITIZENS FINANCIAL GROUP, INC.
State: AE

Complaint narrative:
Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
Unauthorized credit inquiry on my credit reports on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NJ

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute with Experian regarding an debt collection on my credit report. The debt is not mine. I formally requested that Experian provide 1.the original contract, 2.the original creditors name, address & telephone number, 4.proof the collection agency is authorized to collect a debt. 

On XX/XX/XXXX Experian responded with none of the above but indicated they confirmed the debt with the collection agency : how? With what documents? Again, the item is inaccurate & incomplete. I am requesting that the item be deleted.

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 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
Crypto.com Sold all assets able to to a XXXX wallet with intention to terminate account. 
Has minimum transfer amount of {XXXX  which my balance falls under. 
Attempted to terminate account via company help desk. Refused repeatedly as balance is under 100 transfer limit. They want me to put money in just to take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: The Savings Group, Inc.
State: CT

Complaint narrative:
the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history. 

RATE GENIUS shared information to XXXX XXXX without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRUIST FINANCIAL CORPORATION
State: AE

Complaint narrative:
Unauthorized credit inquiry on my credit reports on 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 2023-01-14 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: Open Dealer Exchange, LLC
State: AE

Complaint narrative:
Unauthorized credit inquiry on my credit reports on XXXX XX/XX/ 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: GA

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 XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
Unauthorized credit inquiry on my credit reports

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 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
XXXX made XXXX of XXXX Payments made XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XXXX charged XX/XX/XXXX XXXX XXXX charged XX/XX/XXXX XXXX XXXX XXXX interest on XXXX XXXX XXXX  interest on XXXX for XX/XX/XXXX XX/XX/XXXX balances XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minimum payment has been XXXX throughout. 
Was charged interest on balance in XXXX despite purchase being made 8 days earlier ( no grace period ). That interest charge was reversed after calling. Made a payment that more then covered the high interest balance. Payment was partly applied to high APR. Credit Card Act of 2009 as well as my billing statement says, All payments over the minimum for the account will be applied to highest interest rate unless a promotional balance is within two billing cycles of completion. My XXXX XXXX  expires in XXXX. Chase bank has refused to reverse the second interest charge or apply my over payment to my high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: HUNTINGTON NATIONAL BANK, THE
State: AE

Complaint narrative:
Unauthorized Hard inquiry on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
When Capital One acquired XXXX years ago, I was never informed that I would no longer be in a high yield interest account. They placed me in a capital one 360 account vs a Capital One 360 Performance account. The difference interest rates is currently 3 %. I feel like this is a very deceptive practice and I will be closing all of my Capital One accounts. 

Please see this article - exact same situation appears to have occurred to many others. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history. 

XXXX XXXX shared information to XXXX XXXX without my authorization.

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 2023-01-14 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: SANTANDER HOLDINGS USA, INC.
State: AE

Complaint narrative:
Unauthorized credit inquiry on my credit reports on XXXX XX/XX/ 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CITIZENS FINANCIAL GROUP, INC.
State: AE

Complaint narrative:
Unauthorized credit inquiry on my credit reports on XXXX XXXX 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have had this student loan since XX/XX/XXXX for XXXX, and the other one on XX/XX/XXXX for XXXX. I have paid on this loan for multiple years now. In XXXX, my husband and I filed for a XXXX XXXX Bankruptcy and Navient was included. In that they filed a claim against us for XXXX dollars. This bankruptcy was successfully completed in XXXX of XXXX and Navient received 100 % for the claim they submitted. Shortly after completing this payoff, I received a payment booklet from Navient for them to collect over {$1500.00} combined for the " balance '' of these two loans. No one from Navient could explain to me that after over 20 years and receiving over {$9000.00} dollars from me in a bankruptcy, where this " balance '' was coming from. I spoke with my bankruptcy attorney who told me that it was maybe " interest '' that continued to accrue during the 5 year XXXX XXXX  process. So, as a result, I've attempted to get Navient out of my life for good and try to pay this off. When you call them, the first thing they say is, " I can lower this payment for you ''. I said, no, I'm trying to pay you off completely. That is when I spoke with a Navient representative to set up 10 payments of XXXX} to be deducted from my bank account every month, this would complete the XXXX dollar balance. Later, I called and spoke with Navient thinking this was done. I checked my Navient account and it was set up payments of XXXX dollars to go toward each loan! I never agreed to that. So, then I called back to set up two payments of XXXX  dollars to complete the XXXX  to come from the same bank account. The bank never received that request from Navient. I called several times to Navient and they told me " give it time to process ''. A couple of weeks later, I received an email from Navient telling me that the bank rejected the payment of XXXX  because I put the wrong account or bank number. I've tried several times to pay Navient off but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
I received a letter from Paragon Revenue Group about a debt from XXXX XXXX XXXX XXXX for XXXX. I have never received a bill from XXXX XXXX XXXX XXXX. I sent an email to Paragon on XX/XX/XXXX informing them this was in relation to a workers ' compensation claim and provided the Claims Manager contact information ( XXXX XXXX ). Per the Paragon letter if contacted before XX/XX/XXXX they would stop collection until they sent me information, I owed the debt. I never received anything from them. I received a notice from my credit monitoring on XX/XX/XXXX that Paragon had made a major derogatory mark on my credit report on XX/XX/XXXX. I sent an email to the Claims Manager on XX/XX/XXXX informing her of the Paragon letter and received a notice she was out of the office until after the XXXX XXXX 's holiday. I called Paragon on XX/XX/XXXX and spoke to XXXX and she said to send another email requesting them to remove the mark, and I sent the email that day. On XX/XX/XXXX, I was copied on an email from another Claims Representative XXXX XXXX XXXX XXXX and they had contacted Paragon and explained the responsible payor would be XXXX XXXX. To date ( XX/XX/XXXX ) my credit report still shows the major derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2023 The website has been restricting my access because I have not received my replacement card for verification of the CVV number before logging in. After logging in from a computer because of the issue, the computer login at the website has given me an error message saying that I can not access the payment function of my account to add a new bank account. I was told that there was some type of " systematic change '' which was made to the account saying I could not make any changes to my own credit card account for XXXX hours and my payment is due today. The person at the customer service line asked me to give my new bank account information over the phone and when I told them I can't do that, I have to login and update it over the computer only and that the only time I can do that is now, not later in the day or XXXX hours from now they argued. They wanted me to give out my bank account information or be charged a late fee and have my account posted to my credit report as a late payment. The customer service representative and their manager both did the same thing. They asked me to login at a certain time of the day to make my payment rather than using the service now. They also did not give any options at all or any options for the payment to be mailed, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 VSC 1681 XXXX Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 VSC 1681 XXXX Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with 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  Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted this Credit Company as I never received an actual card for the account since I had had it. I charged a little on the account over the holidays, and I hadn't received any bills or a card, except one random statement that said I had missed a payment. I called them and told them I didn't have a card and spoke to agent and wanted to make a payment. I asked if I was charged any late fees, she said no I had not received a card, how could I be late on the account? I told her I wanted to pay it, she wouldn't take payment until I had received the card and a statement. I confirmed multiple times with the agent that I wouldn't get a late fee and wouldn't receive any interest, she said without ever getting a card, how could I be late? 

I logged on to my account once I finally got the card -- and sure enough I was charged a late fee and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received emails about applying for and being approved for a checking account that I did not request. I messaged with Bank of America about a separate account I have with them and the following day ( XX/XX/23 ) I started receiving the emails about the checking account. It is possible this was the result of a phishing attack in my email, but it seemed more likely that an account was opened without authorization by a Bank of America employee. I did not have any other fraud activity besides the opening of the checking account. Bank of America closed the account right away when I notified them.

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 2023-01-14 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: EdFinancial Services
State: NY

Complaint narrative:
My student loans were forgiven by the federal government with a balance of {$0.00} My student loan provider was edfinancial. on XXXX it was transferred to a new service provider XXXX  My balance at edfinacial on my credit report for currently shows 2balances on 2 accounts {$140000.00} and {$27000.00}. They need to be {$0.00} and closed. 
My XXXX account is closed and shows a {$0.00} balance on my credit report. 

I have contacted edfinancial and filed a dispute with XXXX Edfinancial tells me to contact XXXX and wont update my credit report. XXXX won't update the balance to {$0.00} and close. 
Account with edfinaincial is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
PAYMENTS SINCE XX/XX/2023 ARE NOT BEING APPLIED CORRECTLY.

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