vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX from Capital One stated that I have 54 day to make account good. After I deposited money in the account that was overdrawn by 53 days. AFTER I made the deposit Capital One violated my credit rights by stating that my account was charged off but it was not charged off until after I made the deposit and capital one cleared the funds. They have reported my account uncollectable. They even credited the moneyback to my account which mean they are in possession of the funds. This appears as if I did not pay but I did. The typical time frame for a charge off is 60 days. 


XXXX told me that it is federal law that they shut the account down in 54 days. I asked him for the information in writing he stated he could not provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC Bank continues to decrease my credit limit on both my credit ares for no apparent reason. As soon as I pay the balance down, the decrease my credit limit by almost the exact amount I paid down. When I spoke to them, they said it was due to my credit rating. What they are doing is exactly what they clam is the issue. By decreasing my credit limits, they are driving up my usage percentage and driving my credit rating down in the process. In the case of one card, they took {$4400.00} off my available credit in one swoop, driving my usage percentage from around 50 % to 95 %. Worst, I was on vacation at the time, and not notified of this decrease until a week later.

I would just like to know why they are doing this. I have never been late with any payments on my cards or car loan, which make this appear to be a simple vendetta against me. 
I am shopping around for a new bank now, since I am not sure what else they are capable of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AR

Complaint narrative:
I reported to TransUnion credit bureau that I have fraudulent inquiries on my account. I have also sent them a copy of my police report showing my information has been used fraudulently. Upon sending this information to them they have yet to remove fraudulent items. Therefore they are in violation. The inquiries that should be removed is listed below. 

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 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-09-29 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: MO

Complaint narrative:
The reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX  XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 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 2022-09-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 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 2022-09-29 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: DISCOVER BANK
State: TX

Complaint narrative:
I am the victim of a data purge and somebody is trying to use my social and credit to take out credit cards and buy merchandise from 3rd party vendors like XXXX ( a XXXX $ XXXX XXXX was bought and sent to my address but I returned it ). I have already spoken to the people at XXXX  XXXX XXXX and told them that the credit card applications being sent are fraudulent. I have just received a letter in the mail from a denied discover card application. Some one is actively trying to use my identity and I have filed a police report with my local authorities and froze my credit on the 3 major credit companies and also place an initial fraud alert. I am at a loss of what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Global Lending Services LLC
State: FL

Complaint narrative:
I NEED ALL 3 CREDIT BUREAU TO REMOVE ALL THESE HARD INQUIRES IVE HAD THAT I DONT HAVE NO KNOWDGED OF ... ..IVE CALLED XXXX TIME ABOUT THE INQURIES THAT I DIDNT RECOGNIZED OR GIVE ANYONE PERMISSION TO RUN MY INFORMATION I HAVE NO KNOWLEDGE OF IT, THEY DIDNT DO ANYTHING AND ITS DAMAGING MY CREDIT ... ..BESIDES THE I ENTERED I HAVE A FEW OTHER INQUIRES THAT NEED TO BE REMOVE FROM MY CREDIT REPORT 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 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On XX/XX/XXXX we were approved for a forbearance plan due to covid-19. 
XX/XX/XXXX we were approved for covid-19 Advanced loan modification which had the interest rate of 3.125 %. 
We accepted the offer over the phone and they told us to wait for XXXX to deliver the paperwork for us to sign and said it would take 30 to 45 days to come, but it never came and so we called numerous times to see when the paperwork would come and they kept telling us it's still coming and don't worry and they even told us don't make any payments until you've signed the paperwork. 
Finally in XX/XX/XXXX we found out that they were not going to send the paperwork for the deal we agreed to back in XXXX and this is after we called many times to find out and they kept telling us that they are very busy but we will get the paperwork. So XX/XX/XXXX they submitted the underwriting decision letter on the website but by that time we were leaving for a trip which would take us out of the country for 2 months in XXXX. And I found out that they gave us the letter by calling again because they had previously assured us that we would get the paperwork before we leave on our trip. Now in the XX/XX/XXXX underwriting letter the interest went to 5.75 % which increased our payments from the previous agreement. But because we were out of the country now they said they had to do another decision letter and we ended up with 6.375 % with a 40-year mortgage and this is what we ended up with when previously we only had 18 years left to pay. So the complaint is that from XXXX all the way to XXXX they were not able to handle this properly and give us that 3.125 % which we agreed to, when every time we called they gave us wrong information saying that the paperwork is still coming and their delay, and it seemed maybe incompetence at the time, has now left us with a much higher interest rate and a 40 year mortgage. And so we would like to see is there a way that they can Rectify this problem because I've spoken with them numerous times about this problem and all they can say is that they're sorry we went through that but there's no fixing of the amounts to show the original agreement we agreed to. Thank you very much

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB against LexisNexis CASE # XXXX. Respondents responded to the complaint on XX/XX/XXXX, stating that the disputed information was deleted. LexisNexis removed motor vehicle record XXXX Per their letter. ( See attached ). However, I did not receive the " Identity Theft packet, '' Although an FTC report was filed and provided to LexisNexis multiple times. 

On XX/XX/XXXX, I filed a second complaint with the CFPB against Lexis Nexis Case # XXXX. Respondents responded on XX/XX/XXXX. However, there are still issues surrounding the information that was " allegedly '' Deleted. 

LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB ; my insurance rates increased again to {$430.00} a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different, with a rate of $ XXXX month. LexisNexis continues to violate the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) " No Permissible purpose/ No written instruction '' I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/XXXX I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX Again, I have submitted the information previously in the previous complaints and will present the documents from XXXX XXXX that are being reported as of XX/XX/XXXX. 

However, as of XX/XX/XXXX, Lexis Nexis again provided false statements as the information is currently being reported, still causing financial injury to the complainant. with no good resolution to resolve issues despite their responses to the CFPB. As a result, I am requesting Enforcement from the CFPB, and I will pursue the matter via a civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: MA

Complaint narrative:
I sent certified letters ON XX/XX/2022 to all three credit bureaus to validate accounts which I had no knowledge of and they failed to provide this validation under 15 U.S.C. Sec.1681i ( a ). I then followed up with two more written letters to comply with the investigation which they failed to do

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 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation