vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was looking at my credit report and noticed my credit score drop a lot and seen that I had XXXX collections on my report that I didn't know about or authorized. XXXX was for XXXX XXXX and one was for a XXXX  account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.

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 2023-02-17 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: NJ

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: SC

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 2023-02-17 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: SC

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian made it almost impossible to lift a credit freeze on my credit report. They were trying to make me purchase their credit protection service. The phone number on their website is to a 3rd party who sells this product. They were rude because I didnt want to purchase their product.

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 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BHA Services
State: NY

Complaint narrative:
On XX/XX/23 I received a text message from phone number XXXX. The message indicated XXXX XXXX from BHA Services was contacting me about a debt. I texted back with a message not to text my number anymore. The person texted back and asked if they were speaking to XXXX XXXX. I texted back and stated again not to text my phone number and the next time I would file an official complaint. The person texted back again and asked if they were speaking to XXXX XXXX. I texted back to let the person know I'd now be filing a complaint. The person texted me back again and asked if they were speaking to XXXX XXXX. I attached a screenshot of the conversation.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/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 2023-02-17 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello! On XXXX XX/XX/XXXX I opened a Citi savings account over the phone with a representative after the offer was targeted to me. During the next week I added a few external bank accounts to my Citi account so that I can fund my new account. These external accounts were at other banks and were my accounts under my name, under my social security number.. During the week of XX/XX/XXXX XXXX began adding money into my Citi account.. adding exactly XXXX XXXX with the goal of reaching XXXX XXXX to qualify for the promotion. On Thursday XX/XX/XXXX I go to log on but my online access was frozen.. forcing me to call into the bank to understand why. I learned that they shut down my account due to " fraudulent '' activity and recommended it for closure which has held my money hostage with the bank, not allowing access for myself. I've called many times attempting to get more information for the closure while offering to provide additional information in case an algorithm made a mistake. As an example I use a VPN on my computer and maybe this caused a problem. I've not been allowed to talk to anyone, provide more information, plead a case, or get my money back. There was no fraudulent activity.. I am a normal w2 employee who was transferring money from external accounts into a new account that I just opened on the phone with a Citi representative... and I still don't know why it was closed after many phone calls. My main concern is getting my fifteen thousand back to me which has been held hostage by Citi bank since XX/XX/XXXX with no end in site.. money that I may need due to normal life circumstances or money that could be collecting interest at another bank. Citi is holding my money interest free after pre-maturely ending the business relationship. If this is the case? Ok... so give the customer their money back then move on. My second concern is that they will report me for fraud which could effect me in the future whether it will be opening banks, credit cards, or applying for loans. I repeat that there was XXXX fraud.. I performed very normal bank activities that most people do on a daily basis so I was highly surprised that my account was locked after only a few days. I can provide accounts, routing numbers, prove of transactions.. anything but the bank will not allow me to do anything.. just wait for more researched to be done.. whatever that means. It is now XXXX XXXXThank you and I hope you can help me get this resolved.

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 2023-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: NC

Complaint narrative:
My spouse and I applied for a home loan through nations lending with XXXX XXXX ( XXXX : XXXX ) in XX/XX/XXXX. We were preapproved for the loan with an interest rate of 5.25 %, a down payment of {$18000.00}, and a monthly mortgage payment of {$2500.00}. We were very happy with this and decided to move forward with XXXX XXXX XXXX XXXX. Our closing date was scheduled for XX/XX/XXXX. This was perfect because my wife was XXXXXXXX XXXX XXXX  at the time and gave us plenty of time to get ready for the arrival of our XXXX. However, XXXX said he was waiting for the FHA 's underwriter to approve us and there was delay in closing. This went on for 7 months. We entered into an agreement with the sellers and took early possession while we waited. We lost {$2000.00} a month in rent because of the " delay ''. Everyday we begged for an update only to be told " He had a meeting with the underwriter '' or we were met with silence. My wife once asked if XXXX he had any other collogues to help him get this closed and was told " She was nothing but a number to all of them '' and " No one cared if she was human ''. In XXXX, we could not get a hold of XXXX for 2 weeks. When my wife logged into the portal it said the account was Inactive. With no response from XXXX we reached out to Nations Lending Customer Service and was told to " Keep trying XXXX. They do not have any other brokers to help ''. When XXXX finally resurfaced we were told the company is no longer using the portal and that our Loan lock had expired and we lost our interest rate. We were very disappointed but had no other choice. We once again entered back into the never ending circle of being avoided. Finally, in XXXX we sent an email asking for an update and received an automated message saying XXXX had been let go and someone would reach out soon. Once we were assigned a new broker we found out our application had never even been submitted and the portal was never discontinued. Our new loan officer stated we should have been closed in XXXX had the application been submitted properly. We were able to finally close on XX/XX/XXXX. However we are extremely upset because we now have an interest rate is 6.25 %, our down payment {$21000.00} and our monthly mortgage is over {$2700.00}. Everything we were told for 7 months was a lie. On top of the difference in the down payment and monthly payments we lost {$11000.00} that we paid to sellers to keep from losing our dream home. The amount of stress that this has caused not only me, but my XXXX wife is unacceptable.

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 2023-02-17 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: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I currently have a medical debt under {$500.00} with Credit Collection USA. I have disputed this debt with the XXXX, XXXX, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax. all information should match 100 % an it is invalid. please review all data listed on my credit report to correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are addresses on this report I do not live at.

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 2023-02-17 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: CT

Complaint narrative:
There are addresses on this report I do not live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit card number XXXX XXXX XXXX XXXX The card was lost in XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX. The card was kept in a black card holder and it was last seen at XXXX local time XXXX XXXX On my return to XXXX on XX/XX/XXXX I noticed there are several charges which fraudulent in XXXX. I tried to file a police report on XX/XX/XXXX but I could not do so as I did not have the resources to do so and also because I did not speak the local language. I called the bank on XX/XX/XXXX and reported a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX Wrote/Sent check XXXX to Capital One Union Plus XXXX addressed Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX Ten business Days XX/XX/XXXX I contacted Capital One daily and no check arrived. Capital One remarkably stated over the phone I was one of five other calls regarding the same issue relating to check payments not arriving timely. 

I then contacted the US Postal reporting the above information regarding addressing mail sent to Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX. 

XXXX Payment Due. 

XXXX Confirmed by Signature time stamped dated by XXXX Bank no payment arrived or cleared before XXXX Confirmation XXXX- Capital One Representative. - XXXX XXXX XXXX I authorized an Electronic payment from XXXX Bank to Capital One to activate the use of Card. 

XXXX Before evening after XXXX Capital One Representative-XXXX stated check was received and dated XX/XX/XXXX. 

XXXX Transaction attempt denied XXXX XXXX. 

XXXX Call into Capital One-Representative XXXX stated XXXX payment of XXXX USD was the Check also confirmed by XXXX on the same Call attempt for resolution for the use of my card XXXX. 

XXXX XXXX bank offered the sequential numbers/data of payments cleared Electronic Payment and then Check payment. Attempted for the 3rd occasion card transaction within XXXX Bank and the card declined. Questioned XXXX which payment is considered the over payment XXXX stated the received US Postal Check Payment. 

XXXX Claim Sequential Data is Misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CA

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. 

Account XXXX XXXX : # XXXX, Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The XXXX XXXX XXXX reporting on my credit report is FRAUD and FRAUD by the credit reporting bureaus and fraud by XXXX 's

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The XXXX XXXX XXXX reporting on my credit report is FRAUD and FRAUD by the credit reporting bureaus and fraud by XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have the apple credit card. I have ~ {$930.00} in available credit however my card keeps getting declined for a {$18.00} transaction. I talked to the Apple Card customer support and they told me this is due to my account being " under review '' and they can't tell me how long it'll be restricted for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation