vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-04-26 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: TX

Complaint narrative:
After reviewing my consumer reports I noticed that the bureaus are furnishing negative accounts without any verification or proof of validation of this debt or that you followed all laws and regulations to report. To my knowledge you have not completed a thorough and reasonable investigation of the completeness and accuracy of these accounts listed below, in accordance with 15 U.S.C. 1681 ( i ). 
Account Name : XXXX XXXX XXXX XXXX, Open balance {$440.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$3500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$2500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$41000.00} Take Notice. If this matter is not corrected in a timely manner, I have every intention to proceed with the administrative process and hold you all civilly liable as it will be clear you are in violation of 15 U.S.C. 1681 ( e ) ( b ), in regard to my injury. You have 3 days ( 72 ) hrs. to correct the status of my consumer report by removal or a status correction of paid in full of all above mentioned accounts. This is my written direction to you in accordance with 15 U.S.C. 1681b ( a ) ( 2 ). 
ALSO YOU WILL SEE ATTACHED THAT THEY ARE NOT COLLECTING ON THESE DEBTS. 
This is a LEGAL NOTICE and not a letter. 

Best Regards, By : XXXX, UCC 3-402 ( b ) ( 1 ) without recourse/ all rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
From dispute my made with CFPB # XXXX Equifax continues to say that an XXXX XXXX card ending in XXXX. I am disputing this can they keep saying in belong to me. On XX/XX/2023 I spoke with an XXXX which is a representative with XXXX XXXX Credit Bureau Department. I went thru are security protocols and phone recording that this account does not belong to me. He stated this was taken care of and that it should be on my credit. But Equifax keep send me disputes letters saying that it belongs to me. I am not related or married to whomever this account belongs to and Equifax needs to remove asap or face a legal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
TRANSUNION is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing TRANSUNION to block this account from the credit report of 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 non-monetary relief
Consumer complaint received 2023-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I recently wrote the company Capital One. ceo XXXX XXXX on XXXX XXXX letting him know. I found out about the fraud they are doing. Scamming me by using a system called double dipping. They are going into my XXXX XXXX XXXX  and then sending me a statement asking me to pay again. I also explained in the letter definition on what different words were they were using making me think a statement was a bill or debt ( XXXX XXXX XXXX ) I received a letter bank on saying they do not accept the coupon for payment. They already had close my account and sent to collection. and messed up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
To : CFPB We feel that the mortgage company Newrez has not acted in good faith and purposely been taking extra Escrow funds. They continue to not acknowledge or properly add my name to my deceased father 's mortgage. He died in XXXX. However, they still have his name on the account even though the house is completely and legally in my name with the county. It says " Est of ( and his name ) '' The difficulty is that we've purchased the home insurance coverage which is under my name as the owner. However, when it comes to pairing the insurance and mortgage they fail to acknowledge the difference and next purchased they're own lender-placed insurance coverage for the property. 

Once we realized this back in XX/XX/XXXX, we contacted Newrez and informed that of the insurance information with XXXX XXXX XXXX. In fact, we had the XXXX XXXX representative talk to the Newrez Insurance Division, but later on we realize that they were still charging for the lender-placed insurance even after we informed them about XXXX XXXX  and the fact that we no longer wanted insurance included in the Escrow because we just paid the insurance directly ourselves. Now in XX/XX/XXXX, we realize that they are still paying themselves the lender-placed insurance so we tried to complain several times but no one would correct the issue. Therefore, we just decided to pay the home off entirely instead of continuing to let them get the interest and fake insurance coverage. 

We submitted 3 payment to pay off the principal and close the loan. They accepted the first two payment totaling {$31000.00}, but when we sent the payment of {$40000.00} they originally accepted it, but a few days they returned the $ XXXX back to our bank and disabled the feature to pay online.

We called to express our frustration but they would never let us speak with a manager despite several calls and leaving messages. We also submitted five formal written complaints on their website with no response. 

I am writing for your assistance and to inform other current and potential future customers of their dirty practices to steal and keep your money. 

We appreciate any assistance and support that CFPB can provide. The company Newrez can be found at newrez.com or XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I returned a rental car on XX/XX/22. On that date I was charged {$500.00}. I reported that as unauthorized. I was told in detail that they were going to investigation that charge ( told me to be on the look out for a letter from their company if they needed follow up information on the dispute, etc ). Nothing was done for months. I called again, they acted like I had never made a dispute and apparently started one for the first time. I told them there was no damage to the vehicle that I was liable for and if there was damage I had received no estimate for receipt for the damage. The credit card company, XXXX store credit card, said they investigated it and determined it was an appropriate charge. I followed up with the rental car company and they told me it was not authorized, kept in mistake, apologized and refunded the {$500.00} to our card. Based on this, it is clear to me that the credit card company lied when they said they investigated the charge and found it to be an appropriate charge. It appears they did nothing but rubber stamp the charge with no investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 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 writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  secured card account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Collections Item : Fair Collections and Outsourcing. 
After speaking with this company several times about this account. They provided information that is not accurate and someone had used relative information to open this account. The phone number or DOB do not match. The dates do not match. This company stated that this needs to be paid without verifying any information with me. 
This account is not mine., They stated if I made a payment they would not update the balance or remove from my report. This is against the FCRA act. They have the incorrect license number incorrect address and invalid supporting evidence. I cooperated with this company in resolution but they are not willing to assist at all. 

After speaking with XXXX XXXX XXXX he stated they would sue me and my credit would be damaged no matter what. He said even if I pay they would not update the balance or remove this from my credit. 

After speaking with another Manager XXXX XXXX, she stated that I need to settle this account and file a dispute with the credit bureaus. 


Spoke to XXXX XXXX - XXXX at XXXX Spoke to XXXX XXXX - XXXX at XXXX After the submitting company having no phone number to contact, I have contacted XXXX Several times to have this issue rectified. 

I have contacted the Managing XXXX XXXX XXXX at XXXX several times with no 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 2023-04-26 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-26 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, made 3 purchases that i didn't remember using Shop Your Way Mastercard for, they were XXXX & XXXX to XXXX XXXX, and XXXX to XXXX XXXX XXXX, totaling XXXX. In XX/XX/XXXX while paying bills, i questioned the charges, Shop your way told me not to pay it and said they would find out what was charged. They sent it to their fraud department which reported I didn't need to pay the XXXX, that the charge were fraudulent. XXXX froze my account the end of XX/XX/XXXX, because Shop your way took the payments back of XXXX, XXXX and XXXX, totaling XXXX i paid XXXX XXXX XX/XX/XXXX and told Shop your way that XXXX was paid and Shop your way was owed nothing. Since then it has been a monthly late fee from XXXX every month, calling and talking to their reps, thinking we have it straight, then the next month, another late fee. Now they have a credit company wanting XXXX, the original XXXX and months of late fees they are adding on, while they affect my credit score adversely. i faxed to XXXX the statements from XXXX that show they were paid XX/XX/XXXX, i also sent it to XXXX XXXX  XXXX, but to no avail. They refuse to stop charging me with proof.

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 2023-04-26 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: PA

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX : I need to make a consumer complaint. On XX/XX/XXXX of XXXX, I purchased a car from a car dealership named XXXX 's in XXXX, PA. This dealership sold a car to me without checking my income verification. I am on social security and could in no way afford a $ XXXXa-month car payment. I brought the car back to the dealership on XX/XX/XXXX. I would like your department to investigate this matter. I believe I will be protected under the Americans with Disabilities Act as I am XXXX and was sold a car that was not within my budget. I am requesting that the dealership remove this item from my credit report. The dealership sold the car to someone else and I received a check for only {$720.00}. I would like your team to reach other to XXXX XXXX and the XXXX 's Dealership. The salesman that I am working with is XXXX. 



XXXX XXXX XXXX 's XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: NY

Complaint narrative:
in accordance. with fair credit reporting act XXXX account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently signed up for a XXXX XXXX XXXX XXXX, after seeing multiple social media and email advertisements. All of the messaging made it clear you could " earn points by paying rent, '' and since rent is a significant expense for my household, I signed up. In nearly 25 emails sent following signup, there was only 1 direct mention of needing to complete 5 additional transactions, and all advertisements do not include this information. In fact, I only became aware of this policy after my first month 's payment where nearly XXXX points were already forfeit. I worked in credit card processing, so I understand that there are valid reasons why they need multiple transactions per month to maintain a relationship with the bank and/or card network, but this does not change the fact that information that would have led me to not sign up was not given in any promotional materials. Benefits are touted without any indication of the requirements -- for example, XXXX states " you get XXXX points with $ XXXX spend in the first 3 months '' ( or similar ) -- the qualification is clearly stated in the advertising. XXXX XXXX current marketing is misleading and should be corrected. 

I don't get the advertisements anymore, so I can't grab a screenshot of the misleading ads, but the email I received from onboarding ( attached ) says : " Pay rent and earn points If you're approved, set up autopay and automate rent payments. Set it and forget it. '' -- > This is untrue. This is exactly what I did ( set up automatic rent payments ) and I expected to earn points, " Pay rent and earn points... set it and forget it '' but earn no points. This is attached. 

I reached out to support to ask to reinstate the points that were lost due to this misrepresentation and they denied my request and told me to make additional transactions.

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 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
A man called from the bank of america number on XX/XX/ at XXXX. He told me he was with the fraud department and was confirming a transfer through XXXX. I told him no I was not transferring money. He told me he would walk me through the steps to dispute the transaction. He asked me to log into my account and see if the money came out yet. I told him no. He said good and we would file a dispute. I asked shouldn't I wait to see if it even comes out since I'm telling him you now that I'm not authorizing it? He told me it was pending on his end so it would go through if we didnt file a claim. He has me add myself as a recipient and send 2 amounts. 1 for {$3100.00} and one for {$340.00} to the " case number '' that he assigned. XXXX He sais the case number is attached to the amounts and it would flag if it tried to go through. The money was immediately gone from my account. He said that in 24hrs it would be back and that he would call me to help me change my name and password. He said he locked my online account and that I had to wait 24hrs to use it. I hung up and felt odd about it so I called the bank. I asked if this is the right process and they said no its a scam and filed a real fraud claim .They said I might not get my money back cause it was " authorized '' by me.

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