vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  XXXX {$36000.00} opened XX/XX/2019 is still reporting on my account but that debt has been discharged.

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 2023-02-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-08 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX is a fraudulent account. Ive attached all required documents with respect to 15 usc 1681c-2. Please see attached documents.

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I called them because they have been over drafting me for years. My money has gone missing multiple times when Ive had the money in account. I currently owe a car insurance because I made a payment with my debit card and checking an account and the car insurance says they didnt receive it but Wells Fargo says they did. They tell me they cant disclose any information and Ive been banking with them since 2015.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022, I gifted my fianc a {$500.00} Visa gift card as a token of my love and appreciation. However, much to our surprise, the card was fraudulently used and its balance had depleted to around {$50.00} a few months later.

Determined to resolve the issue, I reached out to the customer service department by calling the number on the back of the gift card. After speaking with a representative, I was advised to send a fax of the receipt proving my purchase and a copy of my government-issued ID. Despite multiple attempts, the fax was never received by the customer service department.

Today, I had the displeasure of speaking with a representative named XXXX, who informed me that the only way to send the documents was via fax. When I asked for an alternative method, XXXX was unable to provide one and hung up on me after I requested to speak with a supervisor.

Frustrated with the situation, I am now filing a complaint with the CFPB against US BANK, the issuer of the Cardholder Agreement, and have attached proof of purchase, the gift card, and my government-issued ID. I hope to receive a prompt and satisfactory resolution to this matter

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 2023-02-08 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: TX

Complaint narrative:
Misuse of my credit report. 
XXXX5 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Misuse of my credit report.

15 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). This account below has infringed my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

When trying to open up any bank account, my XXXX XXXX 's profile states that I had an account with Bank of America, even though this account states that it is paid off, I have no knowledge nor have I had an account with Bank of America. I am requesting that this information be removed from my XXXX XXXX profile.

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 2023-02-08 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 non-monetary relief
Consumer complaint received 2023-02-08 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: WA

Complaint narrative:
These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXX was not able to prove I was a personal guarantor, because I was not a personal guarantor. This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both XXXX and Equifax are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: WA

Complaint narrative:
These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXXXXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXXXXXX was not able to prove I was a XXXX XXXX because I was not a XXXX XXXX This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both Experian and XXXX are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.

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 2023-02-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # 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 # XXXX ( XXXX ). Asset Amount is= 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 2023-02-08 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:
Account XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023 I initiated a balance transfer from a Truist Credi Card to a XXXX XXXX  Credit card through XXXX XXXX XXXX mobile site. On Truist 's website, I was not informed that balance transfers could take up to 30 days and that I would be responsible for the interest during that time. I had made a balance transfer before and never had that issue. This time the balance transfer showed up in my XXXX XXXX account on XX/XX/XXXX but has to date as of XX/XX/XXXX the transfer is still not reflected on my Truist account and I am being charged interest on an amount that I thought had already been transferred. In this 30-day transfer period ( that I was not informed of ) I am being charged interest by two different banks for the same money. How can it take 30 days on one side to process a transfer but it goes through right away on the other side? How is it legal that through this process I have two accounts showing the same balance and being charged interest on both accounts?

Presumably, this would also impact my credit as I am showing double the amount of debt.

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 2023-02-08 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ready Capital Corporation
State: LA

Complaint narrative:
We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was GMFS. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a FEMA trailer for the next 18 months. During this time we were reassigned to XXXX, but we continued to receive mortgage payment requests from GMFS which continued until filing bankruptcy. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on two occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new manager. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our US Senator for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments. Presently, no entity will allow us to refinance the property! We just had someone look at the file and they noticed an exorbitant amount of fees. Not only do the work to remove you from ownership of your property, take your down payments and other money used in the purchase of your home, keep any monthly payments you have made, but add fees, tremendous amounts of fees on to your arrears. GMFS assigned us to a new company without prior notification or approval in the middle of forbearance! We were getting paperwork from GMFS, XXXX, FEMA, XXXX, XXXX XXXX, and a couple of other governmental agencies. Because of GMFS and XXXX my credit suffered and we were turned down for an XXXX loan in the middle of our worst nightmares.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 non-monetary relief
Consumer complaint received 2023-02-08 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:
Account XXXX XXXX XXXXHas violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a call in XXXX of XXXX. Cabelas capital one was checking to see if I had made some purchases. I did not so they deactivated the card and were suppose to send me a new one. I never received it, however I did continue to recieve charges on a card I no longer had and had been deactivated. On XX/XX/XXXX, I called them to let them know that the card has been deactivated and they proceeded to tell me I had to pay my bill.I paid the bill for a card that does not even exist.They eventually sent me to the fraudulent department were she proceed to tell me that some companies are still allowed to withdraw on a card that no longer exist. I also ask for my previous recorded so I would have exact details. She would not allow. On the XXXX of XXXX we canceled everything with them. After we paid for the fraudulent charges they allowed to accumulate.This is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I didn't received any information about a debt. Also didn't receive a debt validation letter verifiying any debt. I didn't authorize ALDOUS & ASSOCIATES P.L.L.C institution to purchase and any existing debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/23 spoke to XXXX at Experian at ( XXXX ) XXXX and informed they were reporting two accounts that were not mine, confirmed by XXXX at XXXX XXXX ( XXXX ) XXXX, who searched for other accounts outside of my singular credit line with XXXX XXXX and was not able to find other accounts. 

The Experian application and reports reflect the following accounts and balances that do not belong to me, which XXXX was informed of as well : 1 ) XXXX  XXXX : account : XXXX balance {$3700.00} 2 ) XXXX XXXX : account : XXXX balance {$5700.00}. XXXX instructed my to file a new FTC report for the these two accounts due the the reports not being specifically addressed in a prior FTC report # XXXX regarding identity theft. 

I also provided XXXX with name variations and addresses that are fraudulent. The names were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following addresses were provided as fraudulent : XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  SC XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX, and XXXX XXXX XXXX XXXX, SC XXXX. I also provided XXXX with my initial FTC report # XXXX, related to this same individual fraudulently using my social security number to obtain credit and healthcare services at XXXX XXXX XXXX XXXX XXXX 

I will be forwarding this report and prior reports to Experian as proof of filing reports to the government.

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