vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My fiance added me as an authorized user on her two capital one credit cards. I have been on them for almost 9 months and now they are removing me without an explanation. Stating that there is current or past issues. I also opened an credit card account in my own name and they closed it and charged late fees after closing the account without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AK

Complaint narrative:
I am 100 % total and permanent veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NV

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance 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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
A family member who was staying in our home made an unauthorized account with XXXX under my fiance 's name. My fiance and I have a joint account. He illegally spent over {$8000.00} from my checking account while I was out of town for work. 

I contacted both XXXX and opened a dispute with Bank of America. Bank of America investigated for a full 5 days and closed the claim not refunding my {$8000.00} that was unauthorized and stolen from me. 

The family member admitted to his actions and I filed a police report. Bank of America will not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Over the weekend, I received a text stating the following : AMEX ACCT STATUS - Free Msg : XXXX, did you get our email? Explore payment plans in your inbox or at XXXX Text STOP to unsubscribe. 

I texted STOP and this is what I received : m Amex Free Credit Msg : You will no longer receive Account Alerts text messages. You may still receive free Fraud alerts. Please call XXXX for Help I tried texting the New Owner of phone number no XXXX here -- no response. 

I have had this phone number for over 2 years and can not understand how American Express can send out with the account holders name, and indication that their account payment status is Late!

Isn't this an invasion of privacy, especially for a phone number that has not been verified in over 2 years! Furthermore, calling that number, American Express confirmed that the account was delinquent, yet stated that the number may be outdated. 

My concern, had that been my account, why are they giving the NAME and ACCOUNT STATUS VIA TEXT WITHOUT CONFIRMATION ON A PHONE NUMBER ( Confirmation within 6 mos. ).

Furthermore, there is no option to state, other than calling, wasting my time, money, etc. to opt completely out, as there is the threat of still receiving fraud alerts. 

I asked for ID 's of agents and was refused, I was hung up by agents saying I am not an account holder, I asked for confirmation ( in writing ) that I would not be bothered by this company with fraud alerts and was refused. 

The company thinks it's GOD and has a GOD-LIKE complex they should be fined and policies changed to get to upper management!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: APG Financial Inc
State: UT

Complaint narrative:
On XX/XX/2023, I sent the attached request to APG Financial and they received the request on XX/XX/2023. I have not received any correspondence back. The information in my consumer report is reflecting inaccurately. I would like this account to be investigated as according to my records it is reflecting inaccurately and I havent been able to get in contact with the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
My information was used and there are utilitiy account and apartments open in my name and Ive tried getting them removed and letting the companies know they don't belong to me but they are refusing to remove them and being very rude and threatening me about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have had a heloc with USBank since XXXX. XX/XX/XXXX they reminded me aware of the {$90.00} annual renewal fee to be charged XX/XX/XXXX. That did not concern me. 

On XX/XX/XXXX I received a letter indicating that any use of the credit line is subject to application approval, credit check, and only allows draws on the account for one more year. In short, there is really no value to the account any longer. What benefit is there to having the HELOC. Can only draw on it until XX/XX/XXXX and must schedule repayment until XXXX/XXXX/XXXX. 

Because of its limited use and benefit, I asked to close the credit line, which they will do, but they do not refund the {$90.00} fee that was just charged. They claim contractual fee and not refundable. The fee is for the upcoming year. 

If I had known the upcoming limitations on the use of the account, I would have closed it a month ago. They charge an annual non refundable fee to provide a credit line with the highest flexible rate offered, still subject to credit approval and appraisal, and can only be drawn on for another year. What am I paying these fees for? Seems unbalanced to me. They quoted that I approved of these contractual provisions back in XXXX. 

Seems rather harsh to not refund a fee on a line of credit that has not been used in years, charges a higher than normal interest rate, and to not be willing to refund one business day after being charged. Especially since I have been a USBank client since XXXX for all our banking and also as a checking account holder and debit card holder before that since XXXX my first ATM card was with Star Bank . 

I really think this HELOC / mortgage practice needs to be reviewed. Very consumer unfriendly. What is the value of having a HELOC preaporoved if it charges higher than normal interest rates and is still subject to credit application and appraisal. What am I paying {$90.00} for? 

I would have canceled the HELOC in XXXX if I had known the limitations on the account which were not communicated until after the fee charge date. I do not feel like a very valued client. 

An annual fee of up to {$90.00} may apply after the first year. Application is subject to normal credit approval

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 2023-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding the removal of the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX from my credit report for inaccurate reporting. Please see the attached dispute letters sent to the collection agency which caused for the removal from XXXX. I sent a letter to Equifax over 5 months ago and they have failed to remove the account. Please see the attached letters which are dated and time stamped and remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
About 4 months ago I sent notifications to the bureaus that I needed them to investigate something on my credit report. They have only sent me the same letter 3 TIMES IN A ROW claiming that they believe that I am not the one requesting the information which is a lazy excuse for them not to do their job since from the first time I did what they indicate on their websites that We must attach proof of identification, I think they are only delaying the process.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have had my Bank of America accounts since XXXX through all change of names. I had a Mortgage with them, in the XXXX. I would call BOA about catching my mortgage up and they would tell me repeatedly I was up to date, yet they continued to report me as 1 month late. I had many overdrafts. For every one I was charged {$35.00}. As each transaction came in, it was another {$35.00}. I had to change my account numbers because I was scammed. From then on in XXXX I was charged a XXXX XXXX  monthly maintenance fee each month. 
When I had my older accounts I was told I was never charged a maintenance fee because I had a banking with BOA since XXXX. They tried saying it was because I had deposited a large amount in XXXX. I was never charged any fees before the new accounts were open. 
I just had a checking and savings before that and never paid a maintenance fee, even before I had a mortgage with them. 
They explicitly told me it was because of the amount of time with them. 
I have had many overdraft charges over many years. They did refund some if I called but most were not. Once I had XXXXne overdraft they just built up for anything that came through. There were many things that went on with BOA. So many I can't remember.

If you are to look up my accounts, the one checking and savings had I to be closed in XXXX, due to a scam. 
To determine anything you would need my older accounts because I had that one from 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 monetary relief
Consumer complaint received 2023-09-25 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: TX

Complaint narrative:
These accounts should not be furnished in my consumer report, as they are in violation under, 15 U.S Code 1681b ( a ), ( c ) ( 2 ). 
XX/XX/23 placed theft alerts w/all three reporting agencies. Contacted agencies to inform of theft alert. 
Filed a theft report w/ XXXX  on XX/XX/23 Unrecognizable accounts with excessive amounts : {$18000.00} - {$3000.00}. 
Unauthorized use of information.

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 2023-09-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have seen authorized inquiries on my credit report and have disputed and attached the relevant FTC Identity Theft Report but Equifax has refused to delete the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Reel Time Capital LLC
State: NV

Complaint narrative:
I received a voicemail from someone named XXXX XXXX calling from a spoofed phone number ( XXXX ) who left a voicemail stating that they were calling regarding claim XXXX and that they would attempt to reach me at my place of business because they could not contact me by phone. They stated once my claim ( claim number XXXX ) was released from their office ( no name of office provided ) there was nothing they could do and they wished me the best of luck. They called 2 family members they could find and left them the same information and also stated I would be subject to the local courts going forward. They also stated if my location was not provided, they would be attempting to contact me at THEIR residences. They provided phone number XXXX which I called and spoke with someone who refused to give me their name or the name of the company they represented. They referenced an old debt with XXXX for amount {$310.00} originally taken out but stated now the amount was {$660.00}. They stated I needed to speak with a compliance officer because they had location services looking for me in an attempt to file papers with the courts. I attempted to get the name of the company, the rep refused to provide it. I asked for the name of the lawyers and she stated it was a network of attorneys called XXXX but wouldnt provide any other information. I said they did not have permission to call my family and they stated that I needed to speak with location services in order for them to stop calling my family. They repeatedly refused to provide information regarding the debt as to their names of the company ( other than the name of the original lender, which they provided ) or how I could see proof. She refused to email anything and said that they were going to contact my place of business. I called XXXX and was advised there was a debt for {$310.00} they sold to Reel Time Capital. I attempted to contact Reel Time Capital and was provided with phone number XXXX by XXXX, and the number goes straight to voicemail after ringing numerous times. The voicemail message does not explain who they are or what the company is. I emailed them at the provided email on their website and was not contacted back. Ive called numerous times and emailed numerous times and received no communication in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
To Whom It May concern, I got 2 hard inquires showing up on my credit report that I never gave anyone permission to run my credit profile on experian. The first is from XXXX made on XX/XX/2023 and the other was made by XXXX on XX/XX/2023. I never signed off anything with this company. This information is either inaccurate or fraud. As I never did anything on those dates with that company.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi AAdvantage Platinum Select World Elite Mastercard that I use as my primary card. I pay off the balance in full every month with the exception of one or two months where I missed the deadline date or miscalculated my balance. Citi offered me a promotional interest rate of 1.99 %, and I thought that sounded like a good backup plan versus the typical 20 % + interest rate. Shame on me for not reading my statement or the fine print more closely, because I realize what this did was began charging me 1.99 % interest on the daily average balance. So by accepting their offer, I went from {$0.00} interest most months to about $ XXXX {$10.00} a month. Sure, it's a small amount, but this felt so predatory to offer me something that actually HURTS me as a loyal customer wrapped in a gift.

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 2023-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
An account with XXXX was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. XXXX contacted all 3 bureaus and has the account updated to reflect closed as of XX/XX/XXXX. This action caused my credit score to drop by more than XXXX points. I have successfully disputed this with XXXX but XXXX and Equifax will not correct the error. I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date. 

Per the company, an investigation into the matter found that the account was - reported your account as charged off on XX/XX/XXXX, with a {$4700.00} balance while I the investigation findings aligned with my records, they continue to report the charge off date incorrectly. The bureaus say that the error is on XXXX side, but they refuse to fix the problem.

Company response to consumer: Closed with explanation