vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has voliated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 
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 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.

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 2022-04-23 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: NV

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # 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 account without my written instruction.

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 2022-04-23 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: NV

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Experian XXXX XXXX has violated my Federally protected Consumer rights In accordance with the fair credit reporting act Has violated my federally protected Consumer rights to privacy And Confidentiality Under 15 USC 1681 According to The 15 U.S.C 1681 section 602 A states I Have a right to privacy These addresses do not belong on 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 2022-04-23 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT 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 2022-04-23 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: NV

Complaint narrative:
In accordance with Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right of 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX TransUnion XXXX has violated my Federally protected Consumer rights In accordance with the fair credit reporting act Has violated my federally protected Consumer rights to privacy And Confidentiality Under 15 USC 1681 According to The 15 U.S.C 1681 section 602 A states I Have a right to privacy These addresses do not belong on 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 non-monetary relief
Consumer complaint received 2022-04-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Equifax has violated my Federally protected Consumer rights In accordance with the fair credit reporting act Has violated my federally protected Consumer rights to privacy And Confidentiality Under 15 USC 1681 According to The 15 U.S.C 1681 section 602 A states I Have a right to privacy These addresses do not belong on my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NV

Complaint narrative:
In accordance with Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right of 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

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 2022-04-23 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: NV

Complaint narrative:
In accordance with Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right of 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

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 2022-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
Tried to contact them to lower rate or adjust payment unresponsive to any options I have a loan with XXXX XXXX they were Extremely helpful but discover not willing help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was receiving Ca XXXX XXXX payments through Bank of America EDD XXXX card. I had my funds withdrawn from my account without my knowledge while I still had the card in my posession. I called BOFA and filed a complaint and asked them to experdite it since I was in hardship due to my XXXX yr old XXXX  daughter my wife can't work so this was our only income. I was told by the Customer service person the folowing details which I did not do : XXXX Acct balance inquiry at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX Balance inquiry at BOFA XXXX XXXX XXXX XXXX ATM withdrawl at BOFA on XXXX XXXX for {$630.00} XXXX balance inquiry at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ATM withdrawl BOFA on XXXX XXXX for {$1000.00} XXXX ATM withdrawl BOFA XXXX XXXX for {$620.00} XXXX 
I called BOFA and filed a complaint on XX/XX/XXXX and requested a new card.I received my card XX/XX/XXXX and when I called to activate card my claim was denied. I had BOFA reopen my claim and filed a Sheriffs report XX/XX/XXXX. Faxed the report to BOFA. BOFA denied my claim again. I had BOFA reopen my case again and now have no funds to pay for food or bills. BOFA response is it will take up to 45 days however they are just denying all claims and not doing any investigations. These events have been happening to alot of people and BOFA is aware of it since all the wrongdoing was done by BOFA emplyees as published in the news. I just want BOFA to pay me my funds ASAP so I can provide for my family.

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 2022-04-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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  has violated my rights. 15 U.S.C 1681 Section 604 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted 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 explanation
Consumer complaint received 2022-04-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NJ

Complaint narrative:
was away for about a month ordered computer XXXX end never got it called XXXX XXXX several itmes no response they just keep saying they show it DELIVERED i dont have it i got home yeaterday my friend was taking in my mail no computer here please refund XXXX and get it from XXXX XXXX. thank you they dont respond when i called dispites capital one person barely spoke english hung up on me. never got XXXX computer XXXX XXXX please refund asap NEVER received perhaps delivered but i got and friend found nothing i have rights please refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for a Loan Modification with PNC Bank to refinance a PNC Bank loan ( XXXX mortgage for {$44000.00} ) that came due with a balloon payment. The monthly payment was $ XXXX and the loan was current in good standing secured by my real property. PNC Bank took an unprecedented 5 months to process this refinancing loan ( due to deficiencies in their operations losing/tracking my submitted loan documents ) and never to this day ( after 7 months! ) has provided a single document conveying loan term disclosures in violation of the Truth In Lending Act. PNC Bank approved the loan demanding XXXX trial payments of $ XXXX ( {$3100.00} total ). Yet, I have no information on how these payments get applied to the loan balance or what are the basic loan terms. I have been banking with PNC Bank for some XXXX years and why trial payments would even be necessary is a mystery. My primary mortgage is with PNC Bank, $ XXXX, this loan is current and has an excellent payment history. After the XXXX trial payment, I was informed ( informally via an email message ) that 90 % of the trial payments went to interest and only 10 % to principal this is a rip-off predatory practice. Had I received proper loan disclosures, I would have shopped for this loan at other banks ( my credit score is in the XXXX ). To make matters even worse, they reported payments I made in accordance with their payment schedule, as late to credit reporting agencies, when in reality, they were on-time and the delays of processing this loan was due to their dysfunctional business operations. For example, the payment due XX/XX/XXXX was paid on XX/XX/XXXX and the payment due on XX/XX/XXXX was paid on XX/XX/XXXX ; both were reported as late to credit reporting agencies. The XXXX, XXXX, payment was also reported as late, but no payment was defined because the loan took them 5 months to process and should not be reported late due to their operational failures. I have reached out to PNC Bank to try and resolve this matter with XXXX XXXX XXXX ( PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Office ), XXXX ( Toll Free Office ), XXXX ( Fax ), XXXX ). Supposedly, they are working on the credit reporting correction, but I have seen no results and nothing has been done to resolve the lack of loan disclosure and predatory payments where the bank kept 90 % of the mysterious trial payments as interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I received a credit alert from XXXX XXXX stating I have a new alert. Someone opened an account in my name from Citizens Bank on XX/XX/2022 that I didn't apply for. The credit limit of {$5000.00}, high balance of {$3100.00} and available credit of {$1800.00}. I don't know this company and never applied for any line of credit from this company so I am filing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I started using my Gemini card and then all of the sudden every charge was declined. Not a big deal I have other cards. Then I go to pay my card and nothing happens. I keep getting errors. I try all three ways to make a payment and get errors every time. I call customer service and they cant take a payment or tell me whats going on. I dont have physical checks to mail and no where in the terms and conditions did it say that would be the only way to make the payment. They clearly rushed this product and Im sure have created multiple UDAPP and other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been a Capital One XXXX customer for over 1 year. I have never missed a payment and have charged my card to the limit multiple times in a month and have paid it off numerous times. Ive seen my available credit increase the same day and time Ive scheduled a payment, or immediately the next day after the payment has been posted to my account. 
On XX/XX/XXXX, I made a payment on my Capital One for over {$290.00} and the payment was processed and posted to my Capital One account. On XX/XX/XXXX the payment had been withdrawn from my XXXX XXXX  XXXX checking account the same way its processed each time I make a payment. 
On XX/XX/XXXX, my available credit on my Capital One account was still without the over {$290.00} payment and my XXXX XXXXXXXX XXXX account balance was - {$290.00} from the credit card payment. Since this was the first time I experienced this issue, I called Capital One immediately for support. 
A tier 1 and senior support rep informed me that this was random and that they placed a hold on my credit card to confirm that the payment goes through on my checking account ; even though I have no history of missed payments or returned payments. Capital One even called XXXX  XXXX XXXX to confirm payment- which was being processed in my checking account with available funds and no further transactions scheduled either. 
XX/XX/XXXX, all payments have been processed through my checking account, still - {$290.00} available credit on my Capital One card. 
I feel disrespected as a customer. I feel manipulated and taken advantage of as Capital One has my payment and has not even brought my available credit limit to reflect the payment, but theyre saying that the hold want be lifted for 7 days meaning theyll have payment for 7 days, Ill be without the money in my checking account or credit availability on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received a credit alert from XXXX XXXX stating I have a new alert. Someone opened an account in my name from XXXX XXXX on XX/XX/2022 that I didn't apply for. The credit limit of {$5000.00}, high balance of {$3100.00} and available credit of {$1800.00}. I don't know this company and never applied for any line of credit from this company so I am filing fraud.

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