vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened an mortgage with XXXX XXXX XXXX in XXXX they sold the mortgage to XXXX XXXX  ( sometime during that time ) I sold my house in XXXX neither mortgage company reported my MORTGAGE payment history to the XXXX major credit bureaus. 

This inaccurate & lack of reporting to the credit bureaus have caused me thousands of lost $ & hiked interest rates for my current house, car purchases, & current credit. 

This lack of reporting has caused me credit pain for years ( not able to buy a car or house that I wanted ). 

Resolve : I would like both companies to add & report the XXXX mortgage payment history to my credit report. This abuse of lack of CREDIT reporting is NOT ok! 

I am furious at this. This is the mortgage companies job to do the right thing. 

I just spent 49 minutes talking to your staff to report this, now Im on line doing this.

I need help please 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
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid my credit card bill off in full for the scheduled monthly payment and experian took XXXX points OFF of my FICO score. In XXXX, I used 1 % of my available credit ( {$16.00} ). In XXXX, I used 0 % of my available credit and the message that experian placed on my alert " could help or could harm '' was that I may have paid down my balance or closed an account. I just opened my Credit card in XXXX. I paid the balance off in full because EXPERIAN recommended that I do so on their homepage under tips when building your credit score. The following month I did the same thing and they didn't ADD XXXX point to my score. I am filing this complaint because if the Credit Scoring Company is operating this way - there is something terribly wrong. I inquired with the company and they told me that they do not have any control or do not assign the scores. However, this is a case where consumer protection is necessary from EXPERIAN. Even if they don't control/assign the scores, clearly, the system is not working if it thinks that I closed an account that was just opened in XXXX. A machine should not have the last say about negatively deducting XXXX points from my FICO score when I am doing all of the recommendations of this credit bureau and the others as well. And why wouldn't it positively impact my FICO when my monthly credit card usage is 0 % after paying my bill in full. Again, how is this happening with the Most Important Credit Card, FICO score reporting company. I NEED SOMEONE TO HELP ME- THIS SHOULD NOT BE HAPPENING!

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX and XXXX th my husband and I opened an checking account with bmo Harris. We wanted a debit card we could use in the US. The agent took all our information but in the application o the XXXX put in our sin numbers and never asked if we had individual taxpayer identification numbers which I now know I need to have on my account in order to open it. We both have XXXX numbers as we had a house in the US and ran an XXXX XXXX XXXX XXXX. We also never gave a user Id. 

I have spent hours on the phone with so many people and even the agent that opened our account. The security question to me was what account did you open. I said a checking account. I was supposed to say smart advanced checking account. Then I was frozen out. I talked to a supervisor who said if I went to my local bmo branch with my Id and get a verbal passcode all would be well again and I could get into my account. I did this and after waiting about 45 minutes with the agent giving all my details to bmo Harris. Then I had my verbal passcode and was verified. The next day nothing was changed and now I have to go to a Notery which I am told is the only way to get into my account which we have deposited {$50.00}. The XXXX will cost us {$75.00} each. I also said I would take a pic of my itin or password and send it to you but now all they will do is make me go to a XXXX. 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 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: IL

Complaint narrative:
The property manager at XXXX XXXX at that time failed to follow company guidelines with assisting me vacating the property properly. The property manager approved the lease being broken early, signed off on property being returned ( keys and locks ), but failed to submit a claim that the apartment needed repairs within the proper timeframe under XXXX XXXX guidelines & procedures. 

I informed the property manager numerous times of the repairs needed, she told me not to worry since my account was in good standing. 

XXXX XXXX issued me refund move out check for an amount but later sent me to collections for a different amount than the refund check. I am demanding this account be deleted off my credit report since the property manager failed to follow proper procedures at XXXX XXXX. 

In the email, the collections department stated that the property manager failed to submit any claims for repair -- It is clearly factual that XXXX XXXX failed to follow proper procedures. 

In the email thread with XXXX XXXX XXXX department, it is clearly stated Our Accounting Dept moved quickly as the property manager did not submit their final inspection report with pictures. 

The property issued refund check on XX/XX/2021 to me, not National Credit Audit Corporation BEFORE the move out statement was issued which was XX/XX/2021. 

It is clearly factual that XXXX XXXX failed to follow proper procedures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX  XXXX Account XXXX XXXX********, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, Dept of Ed/XXXX..Account # XXXX, XXXX Account # XXXX XXXX XXXX Account 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 an account without my written instructions.

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 2022-06-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX********, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, Dept of Ed/XXXX..Account # XXXX, XXXXXXXX Account # XXXX XXXX XXXX Account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: TX

Complaint narrative:
I sent a letter to CoreLogic requesting that a security freeze be placed on my account and to opt out of marketing products and services along with demanding that they not resell my information without my permission. With all of the fraud that is going on in the world selling my personal information without my knowledge and permission is unethical and against my right to privacy pursuant to federal law. I will be sending another letter demanding that they rectify the issue. If the issue is not rectified within 30 days, I will have no choice but to file suit in court. I sent a notarized letter along with a picture of my Passport, and a Bank Statement reflecting my identity and who I am. STOP PLAYING GAMES and Grant my request. Federal law requires them to comply. They are a consumer reporting agency. I could care less what they do. I did not ask them what their daily duties were. This isn't an interview for a job. The demand has been made. The next step is a lawsuit.

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 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is reporting a late payment in 2017 from XXXX XXXX XXXX. Ive mailed them, called on several occasions to dispute this issue. I have disputed the issue with the credit bureau as well and this will be my second complaint through this portal, in which XXXX XXXX XXXX responded and said they would resolve. Its now a year later and Im trying to purchase a home and this late payment which is incorrect is still showing on my credit report.

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 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As per the representative that I spoke with, upon settlement of the debt owed to Capital One, the account would be deleted from my credit reports. I have since full-filled that obligation however the account is still being reported on my credit reports and is severely harming my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXXPNC fraud prevention contacted me, XXXX had a fraudulent charge. Card/account was closed. I had autopayment set up to pay this credit card from my PNC checking acccount monthly. Fraud person told me not to worry, that I could set up auto pay once I received my card. Couldnt access the account until I received the card and activated the card. 
XXXXaccount payment due date XXXX-I finally receive the replacement card, I activate it, and select to pay statement amount. Slightly less than {$4000.00}. I paid the card in full, minus a late fee I was charged for not paying on XX/XX/2022. 
XXXXcall to dispute late fee and now about {$46.00} in interest charges on the account that I paid off on XX/XX/2022. Spoke with PNC customer service. They said the late fee was removed, but reminded me to make my payments on time. I explained the situation and told them it was not Normal, and to check my account because I always make payments on time due to having autopay. Explain situation to them, they refuse to remove Interest charges. I speak with two supervisors about this situation, first one the call is droppedI call back but cant be transferred to that person again. I get a second supervisor who is extremely rude, and tells me its my fault for not paying the balance off in full by XX/XX/2022. I remind her I couldnt. She says it doesnt matter, I have to pay it due to having a balance that was t paid in full for at least the last year ( even though I pay monthly, and the final in full payment should have contained all interest due ). 

XXXX have closed the account. Supervisor 2 refuses to give me her manager to speak to, refuses me contact information to speak to him or to file a complaint, informs me to mail the complaint-proceeds to give me a fake mailing address. I now have no way to file a complaint with them, and it remains unresolved. 

Also, in their account files that have it written that my old account balance was transferred on XX/XX/2022 and I am not sure how that happened since the account was closed due to fraud until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: WA

Complaint narrative:
Theres a hard inquiry on my Transunion report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And Transunion said I had to report it with the Federal trade commission before filing dispute

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 2022-06-10 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the account below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX account # 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 then records of convictions of crimes which antedates the report by more then 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 USC 1692 section 805 A section 3 states at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number

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 2022-06-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
On XX/XX/XXXX, PayPal allowed identity thieves to make a transaction with a company named XXXX XXXX for {$760.00}. I discovered the activity because it emptied my bank account. I submitted a claim with PayPal to report the unauthorized charges. The company acknowledged the transaction resulted from fraud, evidenced by case ID : XXXX XXXX 

Despite PayPal 's admission that the charges were fraudulent, they continue to reach into my bank account in an attempt to recover the payment. On XX/XX/XXXX, PayPal attempted to withdraw XXXX from my bank account. The unauthorized charges once again over-drafted my bank account. 

According to the company 's customer service representatives, PayPal will continue withdrawing money from the victim 's account until the fraudulent charges are satisfied. Customer service informed me that PayPal doesn't require authorization from the victim. 

It seems impossible to rectify the situation using the company 's online and over-the-phone customer service. After mentioning fraud, the representatives disconnect the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by 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 2022-06-10 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: WA

Complaint narrative:
Theres a hard inquiry on my transunion report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report.

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
At XX/XX/XXXX, I was in Bank of America to have my name added on an existing account to my mother which was also in the bank with me. While talking to the personal banker and manager, they told me I was unable to be added on to my mother account because someone took my SSN # and name and continued to open up an account during the months of XX/XX/XXXX and was successful on XX/XX/XXXX. I was shocked and begin to report this incident to the Bank of America fraud department. I have not had an account at this bank since XXXX or XXXX. While I report the fraud to Bank of America, they communicated to me that there was a few pages full of transactions from this account. My reference number that was given to me from Bank of America is # XXXX. The phone number to the Fraud department for Bank of America is XXXX. They told me that they will send me more documentation in 2 to 3 business days to review the transactions that was made. After I froze the three credit reports from XXXX, XXXX and XXXX. I was still able to file a police report for this incident and I received a incident number which is # 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 2022-06-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXX XXXX XXXX. Account # 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 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