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

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under title 15 U.S.C. 1681 : US DEPT OF ED/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS. I DEMAND THAT THESE ACCOUNTS ARE DELETED FROM MY CONSUMER REPORT! 

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. 1681C ( a ) ( 5 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX  loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, HSBC sent me an email saying that I can receive a 30 % bonus for transferring my HSBC reward points to XXXX XXXX XXXX points and the term said 1. The promotional period for this offer is XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX. Cardmembers will receive 30 % bonus Avios for HSBC Elite World Elite Mastercard or HSBC Premier World Mastercard credit card Rewards Program Points transferred to XXXX during the promotional period. Bonus Avios will be awarded with the original transaction. To redeem this offer, your Account must be open and in good standing. 

On XX/XX/XXXX I transferred XXXX points but no bonus was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: NY

Complaint narrative:
Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-03-07 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: CITIBANK, N.A.
State: NM

Complaint narrative:
My credit card was lost, my way fair credit card issued by citi bank. The bank did not notify me of ANY transactions. This was a new card, only a few months old, only used for the purchase of one couch!!! There were countless purchases made in the card when it was lost and I got no fraud alerts or statements from citi. I saw my score dip on XXXX XXXX and I found out the card was lost. I calked citi right away. It took citi over a week to understand that the card was lost and the transactions were not mine. Today, my investigator told me and told me that XXXX XXXX XXXX had told them that they have footage of me at their property. I have asked to see the footage which the card company XXXX not have. The investigator has gone on vacation and has asked me to get information from XXXX showing its NOT me. And if XXXX gives me no information then the card company will assume its me. I would like to see if this was a chip transaction. If a phone or email was used!! I would like to see this footage. This is NOT me and unauthorized transaction for which I am not responsible. The burden is on the merchant!! Please get this footage!!!

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 2023-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
On XXXX XXXX applied for financing from Chrysler capital was given a preapproval letter for XXXX. After sitting in the dealership for hours the salesman came back and told me that I needed to put down XXXX for the vehicle. I had a trade in and after talking to another dealership the company cut my financing in half. I am XXXX veteran and this was extremely humiliating and embarrassing to my wife and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I utilized Affirm to make several purchases at XXXX. I paid all of them off except one due to unforeseen circumstances. I reached out to Affirm to settle the debt and was told it was too late??!! I never received anything regarding the balance from a collection agency. Now, my credit report is showing 3 different balances past due since 2017. Still no information is provided regarding balance or payment schedule. I know that I don't owe 3 and how can I possibly rectify it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had reported a week ago fraud on my husband credit card. They started an investigation and they sent a letter stating that the claim was closed and we weren't responsible for the charges on the account. I received his new credit card yesterday afternoon and logged into my mobile app from Capital One to activate the card and see a message " Account is restricted '' so I called Capital One and spoke to someone and they transferred the call to someone that would give me more information. The person I spoke to was super rude and didn't want to even provide the reason why the account was closed. I've been a customer of Capital One for 10 years now and how can they just close my account without even letting me know. I've never had any issues with them in the past and have a 100 % payment history. I pay the full balance on the account every month. I do know that their was 2-3 fraud claims in the past but they investigated and told me I wasn't responsible. The only thing she did say is that there was many claims on the account. So how is this my fault that I've had my card lost or stolen? I mean I can't believe that they would even consider me to be at risk customer. This is one of my older accounts which would have a huge impact on my Credit. I want to file a complaint and be able to provide any information needed so this can be investigated. Capital One did very wrong in closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.

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 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I purchased a home on XX/XX/XXXX. The mortgage was through Rocket Mortgage and the monthly mortgage at closing was XXXX. On XX/XX/XXXX {$1100.00} was taken from my escrow account for property taxes. 
On XX/XX/XXXX {$1800.00} was taken from my escrow account for property taxes. Then I received a notice that my month payment would be {$2.00}, XXXX. 
When I questioned Rocket Mortgage they could not give me an answer. I contact my Real Estate Broker, Title Company and the Rocket Mortgage  Representative. 
What my XXXX Estate Broker found out is that Rocket Mortgage made a mistake that should have been revealed at Closing but it was not. Clearly Rocket Mortgage made a mistake and now I am paying for it. 
How can you pay property taxes in XXXX and then again in XXXX plus have your mortgage payment increase by {$500.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as NOT MINE and as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed inquiries that I didn't authorize nor did I sign any documents to allow these creditors to access my credit profile. Here are the following unauthorized inquiries... 
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

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 2023-03-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under title 15 U.S.C. 1681 : US DEPT OF ED/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 XXXX XXXX XXXX XXXX XXXXXXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS. I DEMAND THAT THESE ACCOUNTS ARE DELETED FROM MY CONSUMER REPORT! 

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. 1681C ( a ) ( 5 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
this is the 2nd attempt I am interested in disputing all incorrect information on my credit report with transunion. alot of data is invalid. this is causing alot of delays to my file please correct an remove all information listed.

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 2023-03-07 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
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 a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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 2023-03-07 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 Capital One Credit cards. Now I only 1 card being reporting to all 3 but the other card is still missing being reported to XXXX. 

Capital One XXXX XXXX Acct # XXXX is not being reported to XXXX. 

Please lets get this taken cared. The one card not being reported to XXXX is throwing my XXXX XXXX. % off record. 

I have attached both my Capital One Credit cards for your records. 

XXXX XXXX : Acct # XXXX needs to report to XXXX. 
XXXX XXXX Acct # XXXX ALL GOOD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on Zelle and XXXX. Zelle stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Zelle : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} I have attached the payment history, under XXXX XXXX and XXXX XXXX There are about {$4000.00} more that she sent through XXXX XXXX 
During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday XXXX  and found out that this was a scam. 
We have talked to Zelle if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Collections showed up on my credit report from Credit Collection Services for charges to XXXX. 
From XXXX : shows {$300.00}. 
From XXXX : shows {$500.00}. 
From XXXX : shows {$500.00}. 
All show date opened as XX/XX/XXXX. I check my reports faithfully ( at least once a week ) and this suddenly appeared on XX/XX/XXXX. I have filed disputes with all 3 companies. Today I received a collection letter in the mail from Credit Collection Services dated XX/XX/XXXX saying I owe {$500.00} for XXXX account # XXXX ( see attached ). I also received a voicemail from XXXX. When I called the number on my voicemail and told him ( XXXX XXXX about the letter I received, his response was for me to " burn it ''. I have voice recordings of the conversations with XXXX from XXXX ( see attached ). I just want this resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
tried to dispute. 
CREDIT Collection on my credit report contacted Transunion with the information they sent me. When I requested them to prove the debt they sent me a letter sting they could not locate my account, but sent me a copy previously of my credit report. 

i wanted them to send e proof of a collection account and all the info as to what name the time period and any information on the debt. 
'See attached how they used a Stall tactic to prevent me from verifying the info

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