vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$590.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information from my credit report 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 08 XXXX XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2022-07-18 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: MN

Complaint narrative:
XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.

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 2022-07-18 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: MN

Complaint narrative:
XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.

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 2022-07-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase on XX/XX/XXXXat Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/ and then made a subsequent purchase for {$410000.00} on the same dayXX/XX/XXXX with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have my Social Security direct deposited to my checking account by ACH at UMB Bank NA, XXXX MO. The bank puts a 5 day hold on it. It is my understanding that deposit crediting rules state that I am supposed to get credit the day following the depsit ( not after a 5 day hold ). The bank 's response was that they do not review ACH deposits and therefore put a 5 day hold on all of ACH deposits. I don't believe that just because they don't want to take the time to review ACH deposits, they should be allowed to disregard deposit crediting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: OR

Complaint narrative:
Due to a flaw in Experian 's website, I have had my account hacked - a hacker puts in my SSN and answers public questions about me- WITHOUT the use of a username, password, security pin, or security question. This has happened at least 4 times that I know of, and Experian hasn't done anything about it. 

Now, an investigative reporter has uncovered the flaw in Experian 's website in an article titled " Experian, You Have Some Explaining to Do '' that you can find here : XXXX XXXX XXXX I have also attached the article to this complaint. 

THIS IS A MASSIVE ISSUE, and it affects every single person over 18 years of age that has credit in the United States.

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 2022-07-18 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: CITIBANK, N.A.
State: OH

Complaint narrative:
company inquired on my XXXX credit report i never applied

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 2022-07-18 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXXXXXX 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 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 2022-07-18 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I rented a car and was double billed. 
On XX/XX/2022 I booked a rental car for my vacation using my XXXX  miles. XXXX miles where deducted from my credit card along with {$190.00} was changed for the taxes etc. 
On XX/XX/XXXX my credit card was changed {$1200.00} for the same rental car. 

XX/XX/2022, I open a case on this problem and emailed them the back up showing the double bill. " XXXX '' XX/XX/XXXX, I received a letter dated XX/XX/2022 that my information was received and was being sent to a dispute specialist. It also mentioned, if there was any additional information to ensure a strongest case, they would reach out to me. Letter attached. 
XX/XX/2022, I received a letter informing me that my clam was declined because they did not receive any documents. 
XX/XX/2022, I reached out to them and faxed, emailed, and mailed them all the back up information. 
XX/XX/2022, I call because I hadn't heard anything from them and the change was still on my bill. They said they received all my information and it was under reviewed by a dispute specialist. 
XX/XX/2022, Received another statement and the change is still on my bill. When I called they said it is still under review but i will be hearing something with in 7-10 business days. 
XX/XX/2022, Called again because still no information and my new statement came in with the changes still on it. Was told I had to call back during regular business hours. 
XX/XX/2022, Called back to get the same answer I received in XXXX. My case is being reviewed by a dispute specialist and I will here back with in 7-10 business days.

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 2022-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: NY

Complaint narrative:
On XX/XX/2022 a check of {$17000.00} was sent to the lawyer of a person we are trying to buy a house as agreed. 
While waiting for the loan to be process, my cosigner back off the buying of the house after she released the price was higher done we were told that exceeded our budget. I informed both my lawyer, the loan processor and the relator, they all understood my explanation and the processor agreed to send me a denial letter. Its be almost 2 months none of this them has return my call or txt. 
I received a txt message from my lawyer with a letter from the sellers lawyer informing me I have forfeited my {$17000.00}. 

I called the lawyer he did not pick up my call, the realtor told me there is nothing he can do. I call and txt the loan processor, he also didn't respond to me. 
I txt my lawyer again about my option and he has still not respond to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I spoke to a representative with Capital One and account is to be closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
I buy a car in the process something was not right with the sale..I agree with the financial and dealer to closes..they explained to me the financial language will negative in my side but because is another way to let happened... they refund some money by electronic deposit and final send me Small check to closed in positive the agreement..in the process when my account stared to collapse collection company buy this account. My original financial account closed (, not exist in the records ) and collection NEVER show up untill this XXXX reported in my credit that I owed them..after I denied that I don't owe anything to them they send me to Court I do show I REQUESTED before judge where is the proof my responsibility with them they never did.just because they said the original financial is where they requested this money .I told the judge that account is closed in good terms as agreement between the dealership and financial and me. And then the judge ask for investigation... time past is not investigation made because the account is not exist anymore. Finally I got the Court for trial..is pending for XXXX ... and my question is the evidence to collections present is bunch of page without any information..plus the dates are wrong the amount I pay in the original not mach is Several mistakes and not included that in credit is damage because all my credit decrease drastically for their report account..not even when the original financial collapse my contract was affected the way this people intended to do.. please help me and educated me what's my options to removes this XXXX people of me.i was planing to buy me a house and right on the time my credit was good everything denied because this people set up a debit was not longer in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IN

Complaint narrative:
This is not my account Ive never had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I bought out my lease from Hyundai Motor Finance ( HMF ) for a XXXX XXXX and even though they cashed my check over 35 days ago, they keep giving me the run around about when I'll receive documents so I can transfer the title. Before submitting the lease buyout documents, I called HMF to verify they would send either a notarized title or bill of sale and I was guaranteed the bill of sale would be notarized if the title was not... neither are. 
I've contacted HMF multiple times to request a notarized document stating the purchase price of the vehicle, and every time I'm told it will be 5 business days. HMF confirmed today that they still haven't processed anything and, " we're processing requests from two months ago ''. HMF has intentionally misled me and misrepresented their services in what appears to be an attempt to discourage me from exercising my contractual right to purchase the vehicle. They have lied about sending the notarized documents and it appears they intentionally misled me and then changed their story once they cashed my lease buyout payment on XX/XX/XXXX. 
I've contacted HMF multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be given a different story each time, without progress or an outcome. The XXXX XXXX Clerk and myself have both sent a KY  Certificate of Title form to HMF to sign also and have not received a response.

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 2022-07-18 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, and Reference # XXXX Us BKPT CT 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 an 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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
XXXX Comenity website is suffering an outage. I have been trying to make a payment these past couple of days, but the website is not letting anyone login. I called customer service several times, and was directed to call back at a later time. Their automated message states the online payment center is available to be used, but its not. Their solution from the automated customer service states to use the easy pay option, but I need my account number. I dont have statements because I chose online statements, that I cant access due to the outage. all the stores located in my state are closed. I am unable to make an in person payment because there isnt a store. Unable to pay online due to their outage. Unable to pay on the phone, because its all automated and no representatives. Now Im going to encounter a late fee for their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, and Reference # XXXX Us BKPT CT 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name as first and middle name is changed and they have my new name but they continue to use my old name and when they look into my social security or BMV in Ohio and my new name appears and they won't acknowledge my new name and I dispute it with them and they said that my dispute was settled and they are keeping my old name on their information and it's missing up my credit big time and the company is Experian.com they are a credit bureau firm .... I called them on updating them on all of my updated information and they corrected everything but my first and middle name... if u were to call social security or BMV in Ohio they would have my updated info like my name and where I live and etc...

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 2022-07-18 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:
I have attached an FTC report with an account and inquiries I did not authorize

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 2022-07-18 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: VA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX  XXXX account number starting with ending in # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX disputed a fraudulent charge from XXXX which posted on XX/XX/2022. The charge was also not recognized by XXXX, whose agents had no records of this charge on our accounts. While awaiting for this charge to be resolved, I received another charge from XXXX which was not authorized. XXXX XXXX I called Bank of America ( XXXX ) to file another dispute and inquire as to the status of my previous dispute to find out the previous dispute is, pending review, reported by a supervisor named XXXX. I have been calling and calling and hung up on during previous attempts to resolve the claim and am convinced the protection efforts undertaken are insufficient and the burden to file complaints very high. Neither of these charges are reflected in my payment history

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