vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX improperly and fraudulently accessed my credit report during discussions of purchasing a vehicle. I did not authorize a hard pull from their dealership or finance department. I stressed repeatedly that the only financial institution was authorized to pull my credit report was XXXX XXXX XXXX XXXX. XXXX XXXX disregarded my wishes and refuses to remove the inquiry.

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 2022-08-08 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: MD

Complaint narrative:
XXXX XXXX improperly and fraudulently accessed my credit report during discussions of purchasing a vehicle. I did not authorize a hard pull from their dealership or finance department. I stressed repeatedly that the only financial institution was authorized to pull my credit report was XXXX XXXX XXXX XXXX. XXXX XXXX disregarded my wishes and refuses to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
XXXX Bank has failed to give me the option to give me the disclosure to opt out of them using my nonpublic personal information and giving it to any third party. This tradeline has been placed on my consumer reports. They have violated 15 USC 6802 ( b ) ( 1 ).

The CRA 's have violated 15 USC 1681b, I the consumer never gave any of them permission or consent to use/share/or report any of my nonpublic personal 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/2022, I tried to get my Equifax credit report from the annual free credit report site. I get to the point where it wants to send you an email with a verification code. It sends you an email with no code and you can not proceed any further. I contacted Equifax and they tried to send me a code while I was on the phone with the agent. I told the agent that I received the same email with no code. You can not get your report without that code to proceed. The agent wanted me to send them more information and id 's to get a code. I asked to speak to a supervisor and was told they were too busy and so I asked to be put on hold and the agent hung up on me. They just want to collect more information on you for their data records and not give you your report but will sell the information to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have read the CFPB website and it's my understanding on a closed credit card account with a balance. The credit card company must notify you 45 days in advance when the decide to change the interest on the balance owed. 

Im emailing today to get a solution to USAA in violation of that 45 day notice and to date no notice has been received. 

Usaa is changing my interest rate on a closed account and is not notifying me at all. Usaa is my credit card ending in XXXX. The account was closed by USAA a while back when i had covid struggles. Usaa company decided to close it not my request XXXX or XXXX. To my knowledge I have paid it continually and kept the account up at 10.9 % for years. I requested a good faith decrease in interest rate to help get caught up and was told that's not possible once its closed it was locked in. Usaa when I spoke to a repe said it will not go up nor down. Months later I get Two increases XX/XX/XXXX 11.15 % or XX/XX/XXXX 11.65 % it increased once more. I have received no notification of any kind of increase only way I can tell is the amount of interest increases on the history. I called the company a few times each time sorry nothing i can do. "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi. On XX/XX/2022 I was coerced and scammed out of {$2000.00} total. A man named XXXX XXXX convinced me to send him and his co-workers money. I sent {$1000.00} to his cashier XXXX, {$750.00} to XXXX, and {$250.00} to XXXX. I called Chase Bank on XX/XX/2022 and they were no help. Ive been scammed and this loss of money is detrimental to my health as I need this money to survive. Please get back to me as soon as possible l.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX has reported a debt of {$2600.00} on my account I have sent out a 609 debt validation letter to the company and they have refused to show valid proof of a signed document I have with them validating the debt and as such it has to be deleted with immediate effect or your company Transunion risks me suing them for not following the law.

A copy of 609 letter has also been sent to Transunion office as a physical letter over 2 weeks ago and the collection is still showing as of today.

Please delete within the next 2 weeks and send me an update via mail on the deleted collections

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 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Certified Services, Inc.
State: IL

Complaint narrative:
This company refuses to remove medical debt that IS in litigation, the debt is a result of a motor accident where it was deemed I was not responsible ( hit by a driver who was texting ) The XXXX lady whom I spoke with told me " it is our policy to place a negative remark on credit file until you pay '' I reminded her that they have a lawsuit lien ( which makes sure they are paid first ) she confirmed ALL of my attorneys info, the lawsuit filling number in XXXX XXXX, my correct address, DOB. 

Despite telling this lady over and over again that it is in litigation and destroying my credit, ( even after the law changed regarding medical bills ) the lady said that it would not come off my credit file until she gets paid, the are not required to follow as they have their own policy. 

I called the doctors office whom I received treatment from, explained the situation to them and was told again that its their policy to place on credit file until paid, even if there is a lawsuit prohibiting me paying directly they have to get paid before removing. 

I have spent 5 years rebuilding my credit following a bankruptcy due to identify theft. I can not pay off this debt as it is in litigation, I can not get the debt pulled until it is paid, the XXXX lady is literally quoting practices that do not exist. 

They also call and hang up after 1 ring ( common creditor practice in this area ) they claim its to make sure the number still works, and so on, however its then used to make you go before a judge saying you wont take their calls. 

I have directed all communication through my attorney, however this is part of a crash claim that is being settled by XXXX XXXX ( the defendants insurance ) and the collection agent will not honor any request other than my attorney paying them direct. My credit has dropped XXXX points because of this hostage scenario

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I sent Experian a dispute letter on XX/XX/2022 in regards to FRAUD on my account. 

They have not responded in the thirty days allowed them by the FCRA and that being the case, the law states that ALL disputed items 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 2022-08-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid for a new water heater with a check for {$4000.00}. The guy took to his truck and electronically deposited with his phone. Then he left check in truck. He says a few weeks later someone went in his unlocked truck and took tools and papers, including my check. Someone doctored the check and cashed at a jewelry store. Check went through and another $ XXXX was taken from my account. I immediately went to Chase Bank and file a report. They Contacted XXXX XXXX who cashed the check. This was back in XXXX. Very quickly XXXX admitted in was their issue and said I would get my money back but it would take up to ninety days. I called Chase two weeks ago and they said XXXX would have my money back soon. Ninety days passed two weeks ago and haven't heard anything more from either bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint. 

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at Experian, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
i payed them off and the account show as still open when i closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX I was scammed out of a puppy. I had sent the money for the puppy through Huntington Banks XXXX as then it was recorded and not just cash. I did not get a puppy and I want the {$550.00} back. Huntington refused the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus never completed a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information.

They did not do this.

Also, they have violated my rights even more Under the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The credit bureaus stated the account was investigated correctly ; this can not be possible if the open date is inaccurate, the date last active is incorrect, and the date last reported is not accurate. This is ground for removal.

They also violated the law because according to 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1687 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without the written instructions of the consumer. 

I have not provided written instructions to any agency

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While enlisted in the XXXX XXXX, I was aboard the XXXX XXXX XXXX from XXXX and went on XXXX and was not able to access my account to make a few payments on time. The highest delinquency period was 120 days. However, Ive been making my payments on time and maintaining a current status since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
sent a notice to EQUIFAX that TWO hard inquiries were on my report and that they were inaccurate, as they are fraud. An inquiry in XXXX of XXXX by XXXX XXXX and an inquiry in XX/XX/XXXX by XXXX XXXX that is also XXXX. Under the Fair Credit Reporting Act my Credit profile is supposed to be fair and equitable and all of the information on my report is supposed to be correct. This information is inaccurate because it is fraud, I didn't do business with XXXX XXXX. They defrauded me. The inquiries should be removed under the law. The FCRA 1681 b talks about how the CRA 's need my WRITTEN consent to report to my credit profile. I never gave them written consent to report this account or any account to my credit profile. a ) In general, a CRA may furnish a consumer report under the following circumstances and no other : 2 ) in accordance with the written instructions of the consumer to whom it relates. I would like XXXX to provide me with the documentation and my signature where I gave them consent to report this FRAUD. FCRA 1681 A1 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. My credit report is currently inaccurate due to the negligence of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Hello, This is a follow up and an escalation to the previously filed complaint : complaint ID : XXXX As it was advised by a Citi Bank representative during a phone call on XX/XX/XXXX, I circled back with the sending parties -- XXXX and XXXX XXXX XXXX and advised them to submit yet another wire recall request. Unfortunately, Citi Bank is ignoring multiple wire recall requests, and the issue is still not resolved, Citi Bank has been holding my well-earned money since XX/XX/XXXX. I am attaching the wire details again. I do not understand what to do to move forward. 

Thank you, 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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX ACCOUNT # XXXX 30 days late in XXXX XXXX 60 days in XX/XX/2022. 

XXXX. XXXX ACCOUNT # 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 2022-08-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX  ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and 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 2022-08-08 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: PA

Complaint narrative:
In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX  XXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXXXXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.

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