vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: OK

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 have violated my rights XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy... THESE COMPANIES ARE NOT TO VIOLATE THAT ESPECIALLL WHEN THERE ARE SECURITY CONCERNS AND A SECURITT FREEZE ON MY CREDIT. 1 5 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: TX

Complaint narrative:
I am submitting this on my own initiative ; no outside party is involved. HOW IS THAT POSSIBLE IF THE LAST REPORTED DATE, LAST ACTIVE DATE, AND OPEN DATE ARE NOT CORRECT? MY ACCESS WAS PROPERLY INVESTIGATED, THE CREDIT BUREAUS STATED. MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL WERE VIOLATED BY THEM, TOO. I HAVE A RIGHT TO PRIVACY under Section 602 A of 15 U.S.C. 1681. A consumer reporting agency is prohibited from providing an account without my express written consent, according to the law ( 15 U.S.C. 1681 Section 604 Section 2 ). PLEASE REFER TO ATTACHED LETTERS.

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 2023-07-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have had a HELOC with US Bank for 3+ years, during which time I have never paid late or had an issue. 

My previous debt with them was paid in-full shortly after opening the account. 

I drew on my account more recently, and found the process overly confusing and riddled with fees. 

A mistake in configuration of my bank accounts caused a payment ( on AutoPay ) to be returned.

Autopay functionality was removed from my account at that point. I can now only make manual payments using specific $ amounts ( no pay-in-full option ).

I tried to pay the amount in full a few times, but continued being hit with late fees for incorrectly calculating my outstanding balance.

Each time I carried a balance and missed a payment I was hit with a new Late Charge due to AutoPay being disabled. 

On XX/XX/XXXX I called US Bank for the last time to receive a Payoff Quote and pay my full balance. I was quoted {$500.00} and made an immediate payment in that amount to fulfill my debt. 

On XX/XX/XXXX I received a notice in the mail that my account was in Default. 

I logged in and saw that I'd continued receiving late charges of {$29.00} each for the months of XXXX & XXXX. 

When I called I was told that the amount that I paid was incorrect for the time ( true principal was ( {$510.00}, a difference of {$3.00} ) and that it would have been my responsibility to know this and pay this amount in full. 

I was also told that payoff quotes should not be given over the phone, and are only valid if received in writing within 15 days. I was not aware of this process or had any reason to believe it to be the case. 

I have attempted to dispute this claim for two reasons : 1 ) I paid the amount I was quoted by a US Bank representative, and therefore should have no further obligation to them.

2 ) If there was a question of a miscalculation, I would begrudgingly pay the difference ( {$3.00} ) but to hold me responsible for interest & fees on the difference feels exceptionally unfair. 

While my case is much less dire than what people truly struggling with their finances go through every day, to me it highlights how dishonest and consumer hostile these practices are, and how quickly someone could lose their entire house or belongings due to these deceptive practices. 

As of today, while my request is still pending review by US Bank, I requested a PayOff Quote through their system and paid the amount in-full online. I am hopeful that if my request is denied and I am offered no-further remediation from them, this PayOff will put me in good standing with them so that I can put the issue behind me, although I will not hold my breath that either will be successful.

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 2023-07-03 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: LA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I filed a complaint with Capital One for a charge regarding a Hotel Booking Service Fee of {$15.00}. They removed the Charge pending an investigation. However it was then put back to my account. This charge was for a hotel stay here in XXXX XXXX Nevada at Arizona XXXX. However when we went to the property we were told that there was no rooms available and was told they canceled our reservation and would fully refund the amount charged. I received a refund all but the {$15.00} for the Hotel Booking Service Fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 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: TN

Complaint narrative:
I sent dispute letters out in XXXX of 2023 and XXXX of 2023 asking to verify accounts and delete for violations of FCRA and XXXX XXXX compliance standard. Investigations came back as verified and accurate. Updated credit report does not reflect the changes if any were made.

15 USC 1681 15 USC 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: TN

Complaint narrative:
I sent dispute letters out in XXXX of 2023 and XXXX of 2023 asking to verify accounts and delete for violations of FCRA and XXXX XXXX compliance standard. Investigations came back as verified and accurate. Updated credit report does not reflect the changes if any were made.

15 USC 1681 15 USC 1692g

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 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Debt was paid to LVNV funding through garnishment on XX/XX/. Now they sold it to Resurgent who is using my former name to collect this debt. Saying I owe {$760.00}. I do not owe the original creditor XXXX XXXX XXXX  it was satisfied through court on XX/XX/. I only had one XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened the checking account in XXXX of 2023. I found an offer that if you did certain requirements with a checking account, you'd get XXXX XXXX XXXX points. I needed a new checking account to pull for my mortgage. 

The requirements I got from my email : EARN UP TO XXXX XXXX XXXX XXXX* after completing the following required activities : OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 SPEND the required minimum amount on purchases using your Citibank XXXX Card within 90 days after account opening MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window YOUR XXXX XXXX XXXX will be credited to your XXXX  account within 30 calendar days from the date you complete all required activities Problems : 1. Citi never sent me a debit card. I requested a replacement so I could meet the spend requirements. When I got my replacement, they sent me an ATM card which can't be used to meet the requirements, it can only be used to withdrawal money from an ATM since there isn't a Visa/Mastercard logo or CVV code. This means that I can't meet the requirements of the promotion, and it is intentionally difficult or impossible to meet. 
2. I attempted to contact Citi via XXXX, and I was sent around in XXXX XXXX- I could not connect to a live agent ( this was on XXXX, not a holiday ). I attempted to contact the bank for assistance, but could not overcome the XXXX. 
3. I attempted to close the account on XXXX online because of Citi 's deceptive practices, and I was told to either call the same number, or go into a physical branch. If I can not close the account online or through the phone, I'll attempt to go into a branch to close the account and ask for the maintenance fee to be removed, but it is a major inconvenience. 
4. I have been charged a {$12.00} maintenance fee because I don't maintain a {$1500.00} balance. Monthly the account does have over {$1500.00}, so it charges the fee when it likes to. I was charged a fee on the same day a deposit came in that would keep the fee above it. If the fee was considered a day later, I wouldn't of received the fee.

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 2023-07-03 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: MS

Complaint narrative:
i reached out to XXXX AND TRANSUNION ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP

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 2023-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lac Courte Oreilles Financial Services II
State: CA

Complaint narrative:
I have replied to text messages for them to stop contacting me. Now they have contacted me prior to XXXX XXXX and are repeatedly still calling and texting and emailing to resolve debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 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: TX

Complaint narrative:
I AM SUBMITTING THIS FREELY, AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACCOUNT WAS PROPERLY INVESTIGATED, BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INCORRECT, THE LAST ACTIVE DATE IS INCORRECT, AND THE LAST REPORTED DATE IS INCORRECT? THEY ALSO VIOLATED MY RIGHTS UNDER THIS GROUND FOR REMOVAL. 

I HAVE THE RIGHT TO PRIVACY, according to 15 U.S.C. 1681 SECTION 602 A.

IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS IN 15 U.S.C. 1681 SECTION 604 SECTION 2. 

PLEASE REFER TO THE ATTACHED LETTERS.

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 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

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 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2023 I sent TransUnion a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank statement.

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 2023-07-03 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: FL

Complaint narrative:
Delete fraudulent collection and fraudulent unauthorized inquiries

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 2023-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete fraudulent collection and fraudulent unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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:
On XX/XX/2023 an XX/XX/2023 with Experian I disputed- challenged these accounts on inaccurate, incomplete, an non-verifiable information on my consumer report of XXXX XXXX regulations, FDCPA, FCRA laws violation XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Experian reporting agency verified and updated there company claims my consumer rights violations 15 USC 1681 ( b ) permissible purpose- 15 USC 1681e Accucracy of report, 623 ( a ) ( 3 ) missing notice of dispute, 15 USC 1681a-2 ( A ) ( B ) reporting with knowledge of errors- reporting after notice of confirmation of errors. Attached below Exhibit A copy of current Experian credit report and Attached below Exhibit C dispute on accounts and dates with Experian

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 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023, Citizens Bank sent me a text alert, asking if I authorized charges on my debit card. I responded No, I did not authorize these charges and called Citizens Bank immediately. I was told they must allow the charges to post to my bank account in order to open an investigation even after I told them I did not purchase any of these charges from my debit card. I have called XXXX times and visited local branch XXXX times to get my money back into my account and was told I have to wait for their claims department to call me. No one has called me as of XX/XX/XXXX. The following charges are fraudulent charges and Citizens Bank refuses to honor their policy of XXXX liability XXXX  card unauthorized transactions. 
All these XXXX following charges posted to my account on XX/XX/XXXX. The charges are all from the same merchant XXXX com bill, XXXXXXXX XXXX 
{$15.00} / XXXX charges for this amount {$5.00} / XXXX charges for this amount {$10.00} / XXXX charges for this amount {$21.00} / XXXX charges for this amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
I signed up with this company for short term loan. There was a monthly fee of XXXX, I cancelled the monthly XXXX fee in XX/XX/2023. On the dashboard of my account it show where I have the free account, however on XX/XX/2023 they drafted XXXX from my account. When you log in to " helllobrigit.com '' to follow the prompts for deleting your account the process is impossible. I want to close this account and have nothing to do with their company. I emailed them with no resolve in addition to refunding me my XXXX. 
Please assist me with this process so Brigit can stay out of my bank account drafting money they do not have permission to draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete fraudulent collection and fraudulent unauthorized inquiries

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 2023-07-03 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: MA

Complaint narrative:
I dont recognize this inquiries on my credit 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 XXXXXXXX XXXX XXXXXXXX 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