vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 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: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court 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 2022-04-10 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: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court 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 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In regards to Case # XXXX. I found a email I received from XXXX that proves that they criminally used my credit card without my authorization. 

Date Sent : XX/XX/2021 XXXX PM Dear XXXX XXXX, We got your rejection. 
Regarding XXXXXXXX XXXX XXXX, we only charged your per day car rental and tax as part of the package, with no XXXX XXXX for all components. Please note that XXXX XXXX XXXX is a must-have in renting a vehicle. We offered you Trip Protection or XXXX XXXX during booking, and our record shows that you declined. 

At the airport I was told if I have car insurance on my vehicle at home, I do not need to buy insurance for this rental and I denied it again. 

Barclays purposely let this matter go beyond 90 days so that I could not recover {$270.00} fraudelent charge by XXXX. If you search on internet for reviews complaints against XXXX, they have XXXX with most of them unresolved as of today.

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 2022-04-10 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 Account XXXX  # XXXX, XXXX & 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.

15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-04-10 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-10 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: Staunton Financial, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 around XXXX, I was contacted via email by XXXX XXXX from John Adams Mortgage Company regarding refinancing my existing mortgage. The email from XXXX XXXX was unsolicited, as I had not previously contacted XXXX XXXX nor any other representatives at John Adams about refinancing. 

I replied once to XXXX XXXX 's email on XX/XX/2022 that I would be interested in exploring refinance options and asked what my options would look like. By XXXX, I received a refinance quote from XXXX XXXX XXXX Within minutes afterwards, I was notified that a hard inquiry was done on XX/XX/2022 by mortgage lender XXXX XXXX. 

This occurred within an hour of XXXX XXXX 's unsolicited email about a refinance opportunity. I was never informed that this would involve a hard credit pull, nor did I ever consent to XXXX XXXX or anyone at John Adams doing a hard inquiry into my credit. If asked, I would not have consented to a hard inquiry. 

My conversations with XXXX XXXX on XX/XX/2022 were exclusively over email, which I have uploaded with my personal information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
CFPB Case # - XXXX I was promised the inquiry would be removed from my credit profile and it has not been removed.

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 2022-04-10 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: FL

Complaint narrative:
On XX/XX/22 I wrote to Equifax telling them that there was incorrect accounts and derogatory marks. I then followed up with another letter on XX/XX/22 stating that they have 30 days to comply. I have not heard anything back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/2021, CBNA gave me a inquiry on my report and i didn't create nor authorized this inquiry on my report. This inquiry is fraudulent and i want it remove immediately. 

15 USC Code 1681b violation furnishing reports in connection with credit transactions not initiated by consumer CBNA XX/XX/XXXX XXXX Remove this item immediately

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 2022-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022, I deposited {$5000.00} at BoA 's ATM in XXXX XXXX, Michigan, but the money didn't reach my account, and the ATM didn't return my cash. The ATM swallowed my money. The bank kept asking me to wait and didn't deal with it, but I was in a hurry to use the money The ID of ATM is 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 monetary relief
Consumer complaint received 2022-04-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My credit card shows 2 charges from well know scammers, phone XXXX XXXX XXXX. Each charge was in the value of US {$52.00}. I want Citi Card to cancel these charges, but to do this, they want to cancel my card and issue a new one. I called their number, XXXX XXXX XXXX XXXX on the XXXX XX/XX/2022, XXXX AM. The problem is that changing one 's card involves changing tens of automatic pays, which is a nightmare. It is Citi Card 's fault if they allowed know scammers to charge my card, they should fix the problem without causing me headaches.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo credit bureau reporting practices are discriminatory. Wells Fargo is purposely reporting incorrect high balances with the intentional purposes to negatively affect XXXX consumers. Every month for XXXX years Wells Fargo has reported an inaccurate high balance. For the past 12 months WellsFargo has reported a high balance of {$990.00}. My high balance has actually been XXXX. My credit limit is {$1300.00}. 
My balance is the second most important factor in calculating my credit score. More specifically, credit reporting agencies look at the ratio of my credit card balances to my credit limits, which is known as my credit utilization. WellsFargo has a history of inaccurately reporting balances of people of XXXX with the specific intent to oppress by affecting their credit worthiness.

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 2022-04-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX  # XXXX, XXXX & 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. 

15 U.S.C 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 2022-04-10 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 Account XXXX  # XXXX, XXXX & 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. 

15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I asked for removal of late payments due to filing deferment paperwork late. My son had XXXX at the time and I asked for them to remove late payments in goodwill. Instead they added more late payments and dropped my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: NC

Complaint narrative:
I was approved for a loan however upon receiving the loan and viewing the APR they are charging almost 800 % interest rate turning a {$1000.00} loan into a $ XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-10 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
on XX/XX/22, Navy FCU improperly gave me a inquiry on my report which is detrimental to my livelihood and i want it to be removed off my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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:
My XXXX stubs account was hacked and used to purchase a A-List Membership gift card and sent to someones email for XXXX. I immediately called Capital One and was told that it will be filed as a fraud charge but I have yet to hear anything else about it and it has been almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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 XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1684 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 1666B : A creditor may not treat a payment in 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 non-monetary relief
Consumer complaint received 2022-04-10 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: IN

Complaint narrative:
Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 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:
I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from Transunion, XXXX and XXXX. 

1.XXXX XXXX XXXXXXXX balance {$2000.00} ( chargeoff ) 2.XXXX XXXX XXXXXXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries 1XXXX / XXXX  2.XXXX/ XXXX 3.XXXX 4.XXXX XXXX 5 XXXX XXXX XXXX Following information are in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C 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 ma
y 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 2022-04-10 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 was scammed with XXXX  {$900.00} and my bank not XXXX  want to be responsible for this they just tell me their is nothing they can do and its to bad horribke experience so Im supposed to get robbed and not be reimbursed by my bank which XXXX said they can take repaibookity this is the first time as a final bank courtesy and reimburse refund my account the {$900.00} but they chose not to and tell me no

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I needed to place a freeze and an alert on my credit as a result of suspicious activity. I went to all three credit bureaus. Had no problem with XXXX of them, but Experian was a different story. A XXXX search result took me to a legit Experian site, where I went through a sign up process. The login URL for this site is https : //usa.experian.com/login/index. This site is a membership site that offers credit monitoring by Experian for {$24.00} a month. Nowhere on the site does it mention or offer a link to placing a freeze on my credit profile or an alert, which is what I wanted to do. Both of these are free. So in short, Experian is using promoted search results to ensure that consumers get directed to their pay services instead of basic credit services, which are supposed to be free. I saw no indication that what I was creating an account for wasn't my actual credit bureau file and related services. This is deceptive and goes against the spirit of the regulations requiring that alerts and freezes be made available for free. At a minimum there needs to be a landing page that asks consumers if they're trying to place a freeze or alert and redirects them to those resources. Instead I went through the entire sign-up process just to be offered a service that I have to pay for but wasn't looking for in the first place.

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 2022-04-10 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: Nelnet, Inc.
State: IN

Complaint narrative:
Dear Credit Reporting agency : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX ACCOUNT # XXXX 3 ) US DEPT OF ED/XXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 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 1666B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation