vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 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 2022-03-11 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: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This complaint is about Capital One, not a credit reporting agency. I applied for a business credit card for my small business in early XXXX. Capital One used my personal credit information to adjudge whether or not I should be given the card, which is fine. I checked my credit score before applying on Capital One 's own website ( as well as XXXX XXXX and Bank XXXX XXXX ) and it was XXXX before I applied, and after the most recent monthly update of XX/XX/XXXX. Unbelievably, I was denied the card due to what Capital One claimed was " number of delinquent past or present credit obligations ''. I immediately knew this was not accurate ( an XXXX XXXX XXXX is not possible with delinquent accounts firstly ) as I do not have, and have never had, a delinquent account. I asked Capital One for an explanation and they said " ask XXXX ''. So I pulled my XXXX report and as expected there were no past or present delinquent accounts on my report. XXXX confirmed there were none reported as well. I contacted Capital One and asked to escalate my complaint, indicating that I had the credit report they claimed to have used and it did not indicate the problem they said existed. I insisted that I speak to the person, or people, who made this decision. Capital One said I could not talk to the department involved. I again explained I had evidence of incorrect information being used to decline my application, but they refused to provide any possible way to address the problem. Further, they refused to give me an email address so I could communicate my complaint in writing. I did mail them a letter and they responded on XXXX XXXX giving me the exact same phone number to call that I had already exhausted. A circuitous stonewall with no definable outcome available. This is not how this is supposed to work. Capital One should not be able to decline my application based on made-up information, then refuse to give me a means to dispute it. Further, I am not sure how it is even ethical to reject someone with an XXXX XXXXredit scorXXXX ( it has now gone down due to Capital One 's inquiry of course ). I have attached the declination letter from Capital One, my XXXX credit report clearly showing zero delinquent accounts and a screenshot of my credit score history from the Captial One CreditWise page that shows my score at XXXX last month when I applied, as well as B of A score at XXXX at the end of XXXX and XXXX XXXX in XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a dispute with Chime Several of them actually as someone skimmed my card last year, ( XXXX and XXXX ) I got the Card replaced and all So Basically the Charges were like this XXXX -> This has not been refunded ( Ticket with Chime : XXXX then a second ticket was issued, I forget the name, for a series of XXXX " little '' ( XXXX XXXX XXXX total ) XXXX XXXX XXXX XXXX XXXX etc ( Fictitious because I cant remember, but all after the ORIGINAL problem of Every Small Charge that was charged over several days, was put into one dispute, and the big one was put into one dispute. The LARGER dispute was first. The smaller disputes were challenged and refunded to my account via the no liability clauses However Chime has not, and continues to not refund the XXXX and change My problem is this was XXXX of Last year, Every time I call them there's no way to reach the boss, or anything of their " Escalation and dispute department '' They keep saying they'll escalate it, and contact me within XXXX business days, I never get an email/phone call ANYTHING. 

I just wanted my money back, but mostly count it as a lost cause, just want to know what you all think?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-11 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-11 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information 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 2022-03-11 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: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information 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 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-03-11 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-03-11 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Police XXXX XXXX XXXX Police XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX department XXXX XXXX XXXX XXXX So take 20 percent from all these funding sources and open XXXX XXXX a trust fund of his own product

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have advised debtor this account is not mine and I need it removed from my credit report as soon as possible. At this time I Am looking to buy a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: VI

Complaint narrative:
Banco Popular XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have a problem with Bank above. On prior descriptions dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These Occurrence ongoing i discovered Fraudulent Activities on my Checking and Saving Account without my Consent. Funds was not Handled or Disbursed as Instructed to my Monthly Merchants Accounts it caused me the consumer high fees charges and late fees. Due to bank Errors i consumer tried to resolved dispute but company FAILED and REFUSED to work a relationship with me the consumer. Notice it caused me Financial Reputation as a truly valued Consumer. I am asking to clear my Name and funds with a Refund back to my Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
PLEASE HELP ME!!!! I am being discriminated I believe I am an existing customer with US Bank HOME loan XXXX, about 2 month ago I had started working with XXXX XXXX in order to refinance my loan with cash out option of XXXX mill NEW LOAN XXXX, My loan has been declined several times After having no luck getting clarity of how my DTI/PTI income and expenses are being calculated, I had escalated the issue to her XXXX XXXX XXXX and his Boss XXXX XXXX I had asked XXXX to assign a new Loan Officer, he had refused to do so and he had been covering up lies from XXXX. XXXX and XXXX for weeks had refused to provide any details and were declining my loan stating I did not qualify for it when I had confronted them several times I was accused of being a bully. When I asked for transparency to see the numbers they had refused to provide them to me, again I was very cooperative and provided all the docs that are needed but they had refused to consider them even for a straight out refi without cash out. Earlier last week XXXX called me and started to go over my Income, then I found out that multiple discrepancies such as : 1. income from rental home was ignored 2. 1099 income from XXXX XXXX fund and XXXX XXXX was ignored 3. My wife has XXXX jobs, one of them from Dr.Yesin was ignored 4. College loan for my son instead of XXXX per mo. payment XXXX was used When I confronted XXXX about discrepancies and asked him to provide the total breakdown of XXXX in writing via email or XXXX to my home he started to yell at me and later promised to share them which he never did. XXXX then proceeded to call me several times this week and started to threaten me, he promised to me that I will never get my loan approved and called me several profanities. I had received a letter today from US BANK that include false reasons to decline my loan which are both COMPLETE LIES : - INCOME INSUFFICIENT FOR AMOUNT OF CREDIT REQUESTED -UNABLE TO VERIFY INCOME 1. Where is the breakdown for my XXXX that I had been requesting for over 1 month for cash out refi vs straight refi scenarios that I can review? 2. What does it mean unable to verify income? What income are you not able to verify? XXXX. Why additional income : from my wife 's job XXXX XXXX, 1099 from XXXX and XXXX debt fund was no used even though paystubs and statements were shared? 4. Why mo. payment from my sons ' college was used incorrectly with XXXX mo. payment vs XXXX that was used, even though statement was shared? I believe I quality for the refinance loan and ask to be treated fairly. Please help me and reach out to me if you have any questions.

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 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. An account with XXXX Bank for a store called XXXX XXXX XXXX was opened in my name several years ago. I notified XXXX Bank that this debt was not mine and was due to identity theft. After an investigation the account was deemed fraudulent and removed from my credit report. A debt collector named CREDIT CORP SOLUTIONS INC has attempted to collect this debt that was not mine even after the original creditor acknowledged that the account was not opened by me.

Company response to consumer: Closed with explanation