vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for the quicksilver card which sent spend {$500.00} in the first 3 months and receive {$200.00}. I've spent well over {$1500.00} and they say the offer wasn't applied to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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 is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An housing court record is currently displaying on my credit history. This record has impacted my ability to apply for apartments. I have lived in XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX NY XXXX from XXXX to XXXX. In XXXX, I settled an outstanding balance with Property owner XXXX XXXX XXXX XXXX. However, there is a record displayed on my credit record. I would like it to be removed so I could apply for apartments in the future. I was not able to have any record from 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 explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK of AMERICA frozen acct. never gave back money that was in account. money was never added to acct. they blamed XXXX. 
I have proof and all screen shots

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 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$300.00} for the puppy. Later on they asked for {$50.00} to help with gas to meet me halfway. Another {$150.00} for half of the vet bill and another {$100.00} for the delivery service. I was only able to come up with {$65.00} of the delivery fee. When I said it was too much and I wanted the money back they refused and said it had been used already. I never received any documentation of the usages. The delivery company emailed me and stated they needed another {$500.00} for insurance, I didnt send anything. I asked for a phone number to reach the company and when answered the person didnt even know what name to use.

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 2023-08-05 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: AL

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. 

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 seven 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 non-monetary relief
Consumer complaint received 2023-08-05 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: AL

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.

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 seven 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 2023-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I have sent numerous requests for account transactions because the home was sold and the account was not closed out for extended time incurring interest in error. Have sent Disputes to the USDA servicing center, US Dept of Treasury, and 2 different collection agencies with no response or resolve. Additional administrative fees were then added with no communication. Federal tax refunds have been offset for 3 years and no balance changes are reflected on collections or my credit report. I have sent a dispute and documentation 3 times this year to the collection agency and the fiscal treasury office and have not received any correspondence other than the auto receipt email. I have proposed a payoff in each dispute. My credit continues to suffer because I can't get anyone to listen to my concern, my calculations, or payoff offer. I have contacted attorneys, state politicians, consumer credit counseling, and the creditor and the only response from the third parties is that I have no option or support when it comes to communicating with the federal government. I just have to sit back and allow them to do what they are going to do because my voice doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I started a complaint under XXXX XXXX XXXX XXXX XXXX the credit agency stated still in review on XX/XX/XXXX the responded to me verified. 

Now how is this possible its fraud and the company reporting is fraudulent as they are reporting an address I dont live at and also I have never done business with them. 

There is no written documentation giving them consent to do business with them or having financial obligations

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 2023-08-05 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: MOHELA
State: MD

Complaint narrative:
I have called XXXX, Mohela, XXXX XXXX, and XXXX XXXX. Nobody can tell me whats going on. First, the two loans that were with XXXX, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXXXXXX settlement and should not be on my credit report. But this is the biggest issue, Mohela doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. XXXX suggested I call borrowers defense however borrower defense said they can not help with my reporting. Mohela said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A XXXX XXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA XXXX XXXX XXXX. It is NOT reporting accurately and is an illegal account. It must be removed.

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 2023-08-05 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:
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 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 seven 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 non-monetary relief
Consumer complaint received 2023-08-05 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 seven 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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See 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 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Sometime in XX/XX/XXXX to early XXXX, I received several collection letters from collection agencies including Resurgent Services, Financial Recovery Services, etc alleging that I owe money from XXXX XXXX XXXX. I did make any loan from XXXX. I immediately called XXXX and was able to talk to XXXX XXXX, XXXX XXXX ( tel # ( XXXX ) and reported the matter. He said the money was disbursed to XXXX. I don't have a XXXX account and he said he will investigate and will call me back. I also reported the matter to the XXXX Police Department where I live and filed an ID Theft Victim 's Complaint and Affidavit. I had them notarized and sent them to these collection agencies together with other supporting documents ( copy of proof of residency, etc. ). I hadn't heard from them since then and I thought it resolved the issue. Lately, I started receiving the same letters from these collection agencies again!!! I called and sent them the document that they asked but they still kept on asking for more information which I believe only XXXX can provide them. This also has affected my credit history and I ask to please help as this is getting a toll on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Prince Parker & Associates
State: FL

Complaint narrative:
Prince Parker and Associates Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. A collection have been placed on my XXXX account and it will soon be on my XXXX and XXXX. The collections was placed on my account between XX/XX/XXXX and XX/XX/2023 for an amount of {$4300.00}. Ive never received communication from this company and ive never gave written permission to furnish this account on my credit reports. This is a violation of my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Accounts opened fraudulently without my consent

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 2023-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021, I applied for a home mortgage with Truist Bank. 
Truist provided a Loan Estimate on XX/XX/2021, with Estimated Closing Costs of {$13000.00}. 
On XX/XX/2021, Truist notified me that I was required to complete and pay for septic repairs as estimated by XXXX XXXX XXXX in the amount of {$7700.00}. 
Truist provided a Closing Disclosure on XX/XX/2021, with Closing Costs of {$11000.00}. These closing costs included my payment of {$7700.00} to XXXX XXXX XXXX, and a credit of {$7400.00} for increase of Closing Costs above legal limit. 
I contracted with XXXX XXXX XXXX to complete the septic repairs, the repairs were completed and I paid {$7700.00} to XXXX XXXX XXXX by XX/XX/2021. 
We settled the mortgage and purchase of the home on XX/XX/2021. At settlement, Truist did not include my payment to XXXX XXXX XXXX as part of my closing costs. By doing so, Truist increased my closing costs above the legal limit, did not account for it, and avoided giving me the required credit of {$7400.00}.

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 monetary relief
Consumer complaint received 2023-08-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
dont recognize hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA 15 USC 1681. It is NOT reporting accurately and is an illegal account. It must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA 15 USC 1681. It is NOT reporting accurately and is an illegal account. It must be removed.

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 2023-08-05 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: NY

Complaint narrative:
I have disputed these accounts so many times and I do not understand how the consumer reporting agencies continue to violate the FCRA by reporting inaccurate information. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax is reporting a high credit of {$0.00} and this is absolutely wrong. Equifax is also missing the account type detail and according to the FCRA I have the right to a complete consumer report and this is a violation of that. Equifax and XXXX are also reporting a different date last active and date of last payment. Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is inaccurate. The date of last payment Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both are wrong. Now the consumer reporting agencies claimed that this information was verified by the creditor. But why would the creditor give each consumer reporting agency different information. They are using Eoscar to verify this information and clearly Eoscar isnt a reliable source. I have given the consumer reporting agencies enough time to fix their mistakes but they ignored me so I am demanding this account be deleted asap. 
Equifax and XXXX are both reporting the XXXX XXXX account # XXXX. Equifax has never updated this account to reflect that it was disputed by the consumer and this is a violation of the FCRA since I have disputed this account several times already. This alone is grounds for deletion. The high credit is reporting {$450.00} with Equifax and this is inaccurate. XXXX is reporting an account detail lease and Equifax is reporting auto loan and this is inaccurate. According to the FCRA, everything reporting on the consumer report must be 100 % accurate and this account is not. XXXX is reporting a date last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX and they are wrong. The date of last payment with XXXX is reporting as XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous violations of the FCRA. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. 

XXXX is reporting on XXXX and Equifax and after numerous dispute letters I have sent. I know by law these accounts should be reflecting that I have disputed them and they are not. Since this is a violation the FCRA I am demanding this account deleted from my consumer reports asap. Equifax is also reporting credit limit of {$0.00} and this is wrong.

Company response to consumer: Closed with non-monetary relief