vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 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: OH

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


XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-13 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account, 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 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 2022-11-13 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: TN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. I gave you both credit reports with before and after errors. 

1. XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX expedtiously due to they have been reinserted again inaccurate which is against the law. 15 U.S. Code 1681 ( a ) 5 ( B ) ( i ) ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems reported to XXXX XXXX XXXX and Loan that I owed XXXX  XXXX XXXXXXXX XXXX XXXX {$10.00}. The account of XXXX was my granddaughter 's XXXX account when she was a minor and I was on that account, but she closed that account after she was XXXX XXXX XXXX. 
The address on the report is incorrect. I have been at my current address since XXXX. 
I sent to ChexSystems for my credit report. 
My Consumer ID is XXXX dated XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX cell phone Please Correct the address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to XXXX XXXX XXXX, XXXX, CA XXXX, take the reported {$10.00} off my report and Send me a copy of the corrected 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 2022-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I received an email from Bank of America advising that they sent a query to XXXX for my credit rating to process a credit card I never requested. I checked my account with XXXX and Bank of America did, in fact, send a query about my credit rating. I was then sent a follow up email from Bank of America ( BofA ) advising that the credit card ( a XXXX card ), which I never requested, was being approved. I contacted BofA customer service by telephone and advised them that I never requested this credit card and that I wanted it to be stopped. I was advised this would be taken care of. On XX/XX/2022 said credit card arrived in the mail. I did not activate this credit card. On XX/XX/2022 I went to a local BofA branch and requested a branch manager call their Fraud Unit and cancel the credit card. While at this branch office of BofA I also spoke with the person in their Fraud Unit and she advised that the credit card was canceled ( I never activated it ). At this time I am waiting for a confirmation letter from BofA advising that the credit card was canceled.

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 2022-11-13 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: IL

Complaint narrative:
There are unauthorized businesses 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 2022-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Please assist. 

This is the 2nd time I have had the undesirable experience with FlagStar as a loan servicer of a home loan I have. Had a similar issue that was a few years ago but there was little recourse to get it resolved properly. I think they purposely scam on fees for extra profit. 

In this particular case FlagStar had suddenly ( I mean suddenly ) became my mortgage servicer from ( actually I forget who had it before, can find out and send ). Anyway they took over my loan with no heads up notification to me. Immediately there was a {$46.00} late payment fee on the account ( not sure where it came from ). I was not going to pay it since it made no sense. There has been a couple of payments and a couple of attempts to get a hold of Flagstar, on hold for hours, never received a call back. Anyway noticed they took money not designated for late payment and applied to the late payment. Need them to reverse this and apply the payment as intended and explain to me why I have a late payment in the 1st place, since I have not been late on my mortgage payment. 

Flagstar Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX took over servicing, it looks like XX/XX/2022. 

Account details ; Loan Number ends in 99 partial address of home with this loan ; XXXX XXXX XXXX Late Fee that was applied out of payment that was not authorized to do so : {$46.00} Again want the XXXX back and they should not be charging me any late fees of any kind. 

Also NOTE and is the attachment found in junk folder Flagstar Bank sent email after the servicing was moved to them stating no late fee charges for 60 days, which is a lie. Since they had a late fee all along ( for what reason not sure ) and waited until the XXXX to take it out of payment that I did not authorize for that.

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 2022-11-14 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: CA

Complaint narrative:
On XX/XX/2022 I sent letters to have some personal information that was inaccurate on my credit report removed however XXXX and Equifax has been seemingly ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

CAPITAL ONE NA XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX HAD MULTIPLE INQUIRES FOR ONE APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX : Car dealer gave me multiple inquiries for one application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for one application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
On XX/XX/2022 I sent letters to have some personal information that was inaccurate on my credit report removed however Experian and XXXX has been seemingly ignoring my request.

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 2022-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I have been paying on loan over 1 year. I had a few issues at start of loan but resolved. Recently my bank had made a mistake and mishandled my bank account. I paid the NSF to XXXX for the issues. That should be enough for them but bill harassment took place after. I made a few payments after NSF took place. No issues. On XXXX I logged in account blocked from any bill pay at all. I called in. Phone bill pay not accepting my card also. I spoke to support whom was to unblock. I logged in after. Still blocked. Next customer service then harassed me more by then stating wait 15 minutes and try. I was then blocked from logging in. I then called back a 3rd time. I was unblock to login only and was supposed to be able to pay but can not because of harassment. NSF is standard business procedure even though not fair in some instances to pay for other businesses mistakes. Not part of any business agreement as a customer for them to block me from paying. First 2 sounded XXXX but doubt XXXX. 3rd sounded XXXX. I have had some harassment issues from ex-husband XXXX XXXX and his families in various states mainly XXXX they live. I also have had some harassment from step father XXXX XXXX including a statement regarding XXXX vehicles that there is a special device for XXXX vehicles in America only. I understand issues in America regarding XXXX not being well liked but maybe an excuse for harassment by them including the business as may noticeably being trying to harassment to hinder business finances here. I like my vehicle. I resent any of this be it family or business harassment. Business gave no notice of bill blocking. Not a business standard. NSF fees should be sufficient for issue. My bank does not internally bill pay to 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 2022-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OR

Complaint narrative:
XXXX immediately after I answered an ARS Resolutions call re : a medical collection that I have no idea what company the supposed bill/company says I owe ARS PUT THIS CHARGE OF {$320.00} on my credit reports! I have never received one piece of paper re : this bill! They have neglected to send one! I need this off my REPORTS ASAP as I am applying for housing! I had a XXXX credit score & this brought it down to XXXX! I have been on XXXX FOR YEARS so this is a fraudulent charge! I also read that any day the government is deleting all medical debt under {$500.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
After filing a dispute, Nordstrom refuses to credit back my credit card in the amount of {$1300.00}. On XXXX XXXX, 2022, I was told by XXXX XXXX that all life policies had been cancelled. The Nordstrom credit card payments made were never properly credited. Dispute dates are : XXXX XXXX, 2022, XXXX XXXX, 2022, XX/XX/2022, & XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mercari, Inc.
State: KY

Complaint narrative:
On XX/XX/2022 wanted to order some books for {$9.00} XXXX due to my XXXX and being on a fixed income in unable to pay until the XXXX of the month. So I chose the option to pay later and never heard anything elelse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-14 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.

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 2022-11-14 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: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: NV

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX  XXXX XXXX  XXXX Balance : {$1600.00}

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 non-monetary relief
Consumer complaint received 2022-11-14 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have the AppleCard with Goldman Sachs and had my XXXX XXXX XXXX account listed as method of payment since XXXX. 

Beginning in XX/XX/XXXX my balance payments were withdrawn from another XXXX member 's account due to ( I'm told ) a one-digit error in the first XXXX numbers of the listed account. XXXX accused me of entering the account number incorrectly. 

I learned of this issue via a XX/XX/XXXX phone call from XXXX with no electronic notification/heads up -- in this day/age most anyone will notify the enduser to prompt them to contact the institution for info/PII security. During the XX/XX/XXXX conversation with XXXX I was told the issue was from XX/XX/XXXX and then that this had been an issue since XX/XX/XXXX. You can XXXX my account security concerns. 

CFPB Complaint XXXX already filed for XXXX as well. 

XXXX points the finger at Goldman Sachs as they are the party issuing the transaction requests on my behalf also because they post to the Fed. XXXX says ; not our problem. 

After several disputed payments and regardless of settling this sum in XXXX payment Goldman Sachs I've lost " grace '' since the payments had been returned. 

I'm told it will take XXXX days for anyone at Goldman Sachs to look into the case and/or get in touch with me. 

My concerns are probably obvious ; credit reputation/score along with risk of future occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
We have continued to try to communicate with Capital One Auto about our truck and delinquency. They claimed we outright " declined '' the catch up program ; however, they were asking that we pay {$1000.00} every 3 to 4 weeks. We have called numerous times trying to get an arrangement set, but all they kept offering was the catch up program. The co-borrower lost his job. He has been able find employment again. We called recently on XXXX, XX/XX/XXXX. They once again offered the same program and not once did the team member inform me that the account had been referred for repossession. I received the right to cure letter over the weekend. I am severely disappointed in Capital One lack of empathy to our situation and they're refusal to offer any other assistance programs.

Company response to consumer: Closed with explanation