vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
Since my bank account balance has dropped below {$1000.00} at all times, I have had nothing but issues with the bank. The most recent issue was between pay cycles. Although I opted out of overdraft & turned off my debit card, i still went into overdraft, and was charged 5x. 

XX/XX/30 tier 2 overdraft item charge {$38.00} XXXX XXXX tier 2 overdraft item charge {$38.00} XXXX reoccurring overdraft item charge {$28.00} XXXX tier 2 overdraft item charge {$38.00} totaling {$180.00} this is oppression and unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America XXXX XXXX XXXX XXXX XXXX credit card. I noticed this past month on my statement I have been getting a foreign transaction fee for certain transactions. 

These fee transactions are only listed on the statement as a separate line item- they are not listed on the online transactions activity feed on the online banking platform. They are not listed next to the transaction nor do they show which vendor or transaction it is being charged for. The fees are also not listed anywhere online or on any statement or notice that I am able to find online. There is a section online with information and services there is a section called " Fee information '' that lists OTHER fees -- annual fee / monthly maintenance fee, over limit, late payment, and return payment fee. But no mention of a foreign transaction fee. 

Other transaction fees that they charge are clearly listed before you would make the transaction ( balance transfer ; cash advance ). But again - no listing of the foreign transaction fee. 

When I called customer service to ask about this, they told me the fee is listed in the original credit card agreement- and that is where I should know to look and find it. It told them that is a sneaky fee not having it listed anywhere else again- and they told me- no they want all their customers to read that agreement fully and thoroughly. The only other place I found it - after I went digging for it - was in the marketing material terms and conditions. 

I asked them to remove the fees from my account and they did. And I asked if they would take my feedback to include that fee and list it with the other fees- and their response was that no they want people to look at their statements every month and call if they see something out of the ordinary. And that people should know to read that agreement fully and understand everything in it. 

To me -- this is inappropriate and non-transparent for the common consumer. I appreciate that they removed the fees -- but I question how many other people are being charged these fees without knowing and how much extra money Bank of America is making because of them. 

I appreciate your attention to this. 
Sincerely 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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Hello went to court for XXXX  XXXX where I was XXXX  and my XXXX I changed my name and to protect myself from my abuses. My first last and middle name was changed. my social security number and birthday stayed the same. My new name was added to public record by a person without authorization. I went to use my new credentials and they were added to my old name with out my permission. My phones and emails and banking was compromised in the past by my XXXX. this is how he would locate me. A person in the banking institution at his request put me social in and she added my new name to a database as an extension of his abuse. In the past her put me in a position where I could not live independent upon him. He damaged my privileges with every credit institution I can think of. Now this institution have my new name attached to old records which I didn't authorize please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX I purchased a car for my son at XXXX XXXX. He is stationed in XXXX XXXX NC and flew into XXXX PA to pick up the car and drive back for his personal use in North Carolina, he was here a day. GAP insurance was purchased at the time of sale through Toyota Financial. 
My son was in an accident XX/XX/XXXX and the car was deemed a total loss. The insurance company paid a total of XXXX, he had a XXXX deductible, there was a warranty refund of XXXX. The base vehicle value per the insurance company is XXXX after comparing it to comparables the car was devalued by XXXX. The car was a XXXX XXXX XXXX and the adjustments are wear and tear. After the adjustment, the cash value was XXXX. 

Toyota 's GAP department is attempting to say I am responsible for the XXXX. I have reached out to my insurance company and they have confirmed this is not a charge taht should be passed on to me. I have reached out to Toyota 's Gap dept XX/XX/XXXX and was told they revised their brochure XX/XX/XXXX and no where in the brochure did it state the GAP will not cover vehicle depreciation. Every one knows as soon as you drive off the lot the car value lessens. There was no negative equity from another vehicle tagged on to the balance of this loan. Toyota is refusing to honor the terms of the GAP agreement and I need assistance with resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Inquiry date : XX/XX/XXXX XXXX OF XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2020

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 2021-12-16 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: AR

Complaint narrative:
On XXXX Experian sent my results from a dispute of a bankruptcy stating that the company " XXXX XXXX XXXX AR XXXX XXXX '' verified that the information is accurate and that this item will not be changed as a result of their processing. 
View Experian statement in the attachments I have an attachment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX stating that thXXXX XXXX XXXX XXXXXXXX does not provide information to any credit reporting agency. Experian is falsifying documents and hurting my ability to obtain credit. PLEASE REMOVE 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 2021-12-17 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: LA

Complaint narrative:
I have disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXXXXXX XXXX XXXX XXXX # XXXX. 

I have requested that Experian provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Experian has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Experian DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Experian personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Experian is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2021-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I requested for a loan from XXXX XXXX XXXX XXXX. However, I was denied for the following possible reasons : Credit score shows XXXX from Equifax, derogatory public record or collection filed, time since delinquency is too recent or unknown, number of accounts with delinquency, or length of time accounts have been established. Immediately I reached out to Equifax XXXX XXXX XXXX XXXX XXXX & the credit union indicated that the score would have to be 720 or higher. I reached out to Equifax & asked that they explain to me why I was denied a loan because I know exactly what is on my credit report & I only have one acct in collections because I do not owe it. I have a credit score that totalS XXXX what Equifax shows, yet they sent the report showing that my score is XXXX. The Equifax rep said a mortgage score is different & when asking how do you all get that calculation she said she did not know. Again, my overall credit score is XXXX, my home is paid off, car paid off, I am not late on any of my accounts, & I have had these accts for over 7 years. As I stated to the rep how can improve the score if you don't know how or who calculate the mortgage score. So I can have excellent credit so I still can not get a loan when needed. I am needing them to either raise my score or tell me how they are getting the score so I can improve it. I am needing a loan and yet with excellent credit I am not able to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
TRYING TO GET SOME HELP CLEARING MY NAME FROM THIS ACCOUNT THAT APPEARS 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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-16 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: PA

Complaint narrative:
TRYING TO GET SOME HELP CLEARING MY NAME FROM THIS ACCOUNT THAT APPEARS 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 2021-12-16 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: PA

Complaint narrative:
TRYING TO GET SOME HELP CLEARING MY NAME FROM THIS ACCOUNT THAT APPEARS ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Hello Dear CFPB I am small business owner and have flawless credit both personal experian XXXX XXXX XXXX and business XXXX and XXXX XXXX business. 

I was researching to apply business credit card and come up to company name XXXX and pre qualified, I applied and approved {$15.00} Upon receiving my card i activated and was tried to use in gas station but transaction was declined, after that i called and spoke with costumer service rep and was told that it was just verification, Latter i was using it for business use only. 

To my surprise after couple days i have tried to use card and it was declined again and when i called i was told account has been closed, it was very surprising for me because as i mentioned i have superior credit income and business profile. 

couple day ago i received letter that was sent from fraud research department and they stating i am unnecessary risk for bank which is shocking because i am top 1 % of all businesses in market that everything is in great shape. Please assist me to reopen my account because as i said i have worked hard to keep my business and my personal account in great shape and to get this type of result its just unacceptable. In my opinion this is pure discrimination and have nothing to do with credit or business exposure. 

I have attached their letter that they sent me. 


Thank 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 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
On XX/XX/XXXX I received the following email from Macy 's. In short, I did not make this purchase nor do I know the person in the shipping address. I called Macy 's and they cancelled the card and will send me a new one. However I want to report this action including the person who may be responsible. 

-- -- -- -- -- XXXX XXXX, Thank you for visiting XXXX. Regrettably we had to cancel your order because we were unable to verify information provided in connection with this purchase. 

We've requested a reversal of your payment with your financial institution. The exact amount of time until your payment is reversed is determined by your financial institution. 

We understand you have a number of options when making your purchase, and we're sorry for any frustration or inconvenience. 

Please call our Consumer protection team at XXXX ( Sunday-Saturday XXXX to XXXX ) Eastern Standard XXXX XXXX XXXX this issue. 

Order # : XXXX Order date : XX/XX/XXXX Payment method : Macy 's XXXX Refunded amount : {$640.00} Billing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Gift Receipt : Yes Order total : {$590.00} Shipping : FREE Additional shipment fee amount : {$0.00} Shipment upgrade fee amount : {$0.00} Gift wrap fee amount : {$0.00} Sales tax : {$49.00} TOTAL : {$640.00}

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