vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have a credit card issued from Country Club Bank and the account is managed by Elan Financial Services. I made some purchases on the card last year. Probably over a year ago? The purchases balance is about {$2500.00}. They began to send me offers to transfer higher credit card balances for a fee in exchange for a XXXX XXXX interest rate for a fixed period of time. I do these transfers periodically to save money on interest. My monthly balance is between XXXX XXXX XXXX XXXX per month of which approximately pay down XXXX XXXX XXXX XXXX per month. I discovered that none of these payments are applied to the {$2500.00} balance, rather they are applied towards the lowest XXXX  interest rate which is XXXX XXXX .. Once I discovered this I asked for a credit for the interest paid on the {$2500.00} to which I was denied. I was told I needed to pay off the balance of $ XXXX to retire the {$2500.00} bearing the XXXX XXXX XXXX It seems petty but they refused to resolve this and I wonder how many more people this is happening to. The customer XXXX told me that when I accepted the balance transfer offer that this policy was clearly stated which is not true. I could have easily paid off the {$2500.00} balance if I knew it was incurring XXXX XXXX interest charges. I have paid {$1300.00} in transfer fees and {$150.00} in interest in XXXX. More in XXXX. I asked for my {$150.00} and was treated like like I had no other options. They continue to apply my payments to XXXX XXXX  and will continue to charge the higher interest unless I pay CC off in full.. I spoke to a XXXX named 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 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
About tree days ago XX/XX/year> i check my credit score to buy a house. I notice my score decreased to a very low score. JEFFERSON CAPITAL SYSTEM Reporting a XXXX XXXX XXXX bill that was deleted from my account months ago. This is not my account all three credit reporting agency deleted this fraudulent alleged account. I did not get a letter from Jefferson Capital System. This alleged debt appeared on my credit Violating unfair or deceptive practices to collect debt. This company caused my family and i hard delaying me the agility to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Please delete these inquiries. I have no knowledge of them, and the company acted 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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
Apple Card company purposly refuses to provide me a monthly bill. Apple Card purposly refuses to change my contact information. Apple Card purposly refuses to provide me a way to monitor my account unless I own an iPhone, which I do not. I believe this company is doing this in an attempt to charge interest to uneducated customers. I have never missed a month payment, but I am unaware and uninformed by the company of when my payments are even due, charges on my card and or any information pertaining to the card. 

Apple Card refused to change my phone number and instead insisted on giving a quiz that did not have any correct answers. Apple Card representative called my phone number and asked me if I have ever went by any other name which I have never.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report in XX/XX/2024 and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After two letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports.

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report in XX/XX/2024 and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After two letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports.

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding a critical issue that demands immediate attention. Equifax is refusing lenders access to my credit report, causing significant distress and impeding urgent medical matters. 

On XX/XX/2024, I removed my security freeze to enable a lender to access my Equifax credit report in connection with a medical emergency XXXX. Despite numerous attempts, the lender has consistently faced obstacles in retrieving the necessary information, thereby hindering essential medical procedures. 

On Wednesday, XX/XX/2024, I escalated this matter by speaking with a supervisor at Equifax. The supervisor confirmed that there were no fraud alerts, blocks, or security freezes on my account. However, they suggested verifying the correct spelling of my last name with the lender, implying that this was the sole barrier preventing access to my credit report. 

Following confirmation of the accurate spelling with the lender, the issue persisted. Yesterday, Thursday, XX/XX/2024, I made further efforts to resolve this matter by contacting Equifax 's office of consumer affairs and speaking with a supervisor. Unfortunately, I was informed of a glitch within Equifax 's system causing the obstruction. Despite assurances that this glitch would be rectified within a two-hour timeframe, the lender remains unable to access my credit report as of this morning. 

I can not stress enough the urgency of this situation. The delay in accessing my credit report directly impacts critical decisions regarding medical care and financial arrangements, leaving no room for further postponement. 

Such service deficiencies and prolonged delays are utterly unacceptable, particularly given the seriousness of the circumstances. I implore Equifax to address this matter with the utmost urgency and to take immediate steps to rectify the situation. 

I request prompt communication regarding the actions being taken to resolve this issue and ensure that such impediments do not recur in the future. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was XXXX by XXXX XXXX XXXXXXXX police for reporting debit card fraud for my bank account ending in XXXX. I still have not received a debit card for the account ending in 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 2024-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company
State: MS

Complaint narrative:
Payments could not be stopped from my checking account. Also, there were fees I was unaware of until after the loan, and I was told my balance remained the same after three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
In addondance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked for these hard inquiries to be reviewed beacuse they shouldnt be on my credit report they were never verified. 

XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting 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:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX XXXX XXXX XXXX  - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX  ( Original Creditor : XXXX XXXX BANK ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code.

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 2024-05-03 00:00:00
Product: Credit reporting 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:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXX BANK ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to Cushman v Transunion 1997, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am applying for a purchase mortgage loan with XXXX XXXX. TransUnion apparently is involved in my credit check. TransUnion sold or otherwise divulged my confidential information to numerous mortgage lenders, and I am receiving 1 to 2 dozen  unsolicited calls on a daily basis, both on my work number and on my cell number. I'm certain other loan applicants are subjected to these improper disclosures and invasions as well. 

Thank you.

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