vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX/XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX/XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I want all accounts removed immediately!!!

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
this complaint is filed against US bank for deceptive business practices. 

In or around XX/XX/XXXX, i opened up a business checking account. at the time of the opening of account, it was noted that the account was FEE FREE if you selected estatements, which I DID SELECT. the bonus offer was deposit {$3000.00} or more and after 60 days, receive a {$500.00} bonus. I deposited {$3000.00} to satisfy this requirement and the funds remained until XX/XX/XXXX. shortly thereafter, i was solicited by us bank via email to open a merchant services account and settle a transaction to receive an additional {$600.00}. there was a monthly fee of {$6.00} a month for the equipment advertised. 

the following events unfolded thereafter : XXXX ) beginning in or around XXXX of XXXX, us bank began charging my account a monthly service DESPITE the account being enrolled in estatement. I would call each month and the us bank agent would refund the service fee. this occurred again in XX/XX/XXXX. 

XXXX ) i completed a transaction with the us bank merchant services in or around XX/XX/XXXX. 

XXXX ) on or around XX/XX/XXXX, after neither the checking bonus or merchant services bonus posted, i contacted a us bank agent. They claimed i was disqualifed from the us bank checking bonus because my balance fell below {$3000.00} in the checking account. I explained to them IT DID NOT fall below the balance, but for your bad faith deduction of the monthly service fee when I AM ENROLLED in estatements. the agent then said because i did NOT meet the terms for the checking account, that meant i did NOT qualify for the merchant services account bonus despite the fact it was confirmed i met the terms for BOTH bonuses. 

this is blatant unfair business practice and bait and switch. I met the terms of both bonuses and it was confirmed by the agent. the monthly service being charged by us bank was unauthorized and should have never occurred since i was enrolled in estatements from the inception of bank account.

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XX/XX/23 I went into citi bank branch XXXX XXXX, XXXX XXXX, NY XXXX to deposit a check of {$3100.00} due to my mobile deposit limit being {$2000.00}, they locked my online access and the funds in my account, i traveled almost 6 hours out of my way to go to the nearest branch to deposit it. wasted time, gas, money just for them to hold my funds hostage. I cant travel back to a branch like theyd like me to due to them holding all my money. Im getting the run around and im ready to get a lawyer.

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 2023-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has reported negative inaccurate information to multiple parties. I have notified them numerous times of their fraudulent abusive practices. I received a document from the IRS stating based off the information XXXX XXXX XXXX XXXX provided, I understated my income. Now I owe a debt to the IRS with interest consistently accruing. I have been disputing the validity of this alleged account or years and they have never provided me proper documentation. I've asked them for the original agreement with my signature, audit trail including XXXX, promissory note, XXXX and copy of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX, I called PHH Mortgage Services and told them that I wanted to pay a year rent. They refused that I could only paid for 6 months, which I did. They payment covered XX/XX/XXXX to XX/XX/XXXX. I sent the payment for XX/XX/XXXX ahead of time. Instead of PHH applying the payment, PHH put my payment in my escrow account which the admitted to. Instead of marking my payment from XX/XX/XXXX to XX/XX/XXXX, PHH Mortgage sent my name to credit bureaus that damaged my credit. Moreover, PHH Mortgage decided to modify my loan unknown to me, which I refused because I have been payment my rent. I have called the company on several occasions to have the settled. I have to deal with different crisis intervention team that realized that their errors and promised to take care of it but never did. My name was sent to a law firm that harassed me with so many calls. I got back on the phone and told them that their lawyer was calling constantly. Again, after going through another lengthy discussion with an apology and promise to sent in a letter of an apology, it never materialized. 
PHH is deliberately trying to foreclose on my home. Have so many people calling to buy my home. This is a criminal behavior and predatory lender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts I never opened yet I disputed and come back as accurate, no where I signed a contract in person or online possible fraud / identity theft I never used or charged these cards. XXXX opened XX/XX/XXXX charged off XXXX, XXXX XXXX opened XX/XX/XXXX charged off XXXX, XXXX XXXX opened XX/XX/XXXX charged off XXXX, I am retired 24 years and have not opened these accounts

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 2023-05-26 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: EQUIFAX, INC.
State: SC

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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 repeatedy requested Experian to remove these 3 accounts that are fraud accounts. One is in a fraudalent bankruptcy that was already deleted off of Experian because it was fraudalent the account in question in the bankruptcy that was deleted is XXXX XXXX XXXX. The next account is XXXX XXXX XXXX acct # XXXX which is a medical bill that I have never had service with. The third account is XXXX XXXX bank acct # XXXX which does not belong to me. Experian is violation my rights under the Fair Credit Act 18 USC 1028 ( A ) I am requesting for these 3 accts mentioned to be removed immediately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-05-26 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: TX

Complaint narrative:
XXXX XXXX Money was stolen from my XXXX and transferred to someone I DID NOT APPROVE the money to be sent to. I have tried to get our money back but because it was sent through XXXX  it has been denied. Me and my husband were not in town when this took place. XXXX shows as " car '' and we paid no one for any service. The receiver has ignored all messages and bank has denied claim. My debit card was already on the account. We have now lost over XXXX over something that was not authorized

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 2023-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX and Transunion - have knocked off creditors from my account that show over 30 years of credit including 2 mortgages that have been paid in full and for the 2nd time this year with nothing added to my report but a good paying history on 2 accounts have lowered my score to XXXX from over 600. Meanwhile XXXX has it correct and has increased my score steadily with the current information. Please verify to me why these companies can do such without anything changing on your report and how can they delete the value of past mortgages. They should be punished for what they do in error and then provide no way to dispute the facts and only allow you to dispute what they have on the report- so when they delete something you just are supposed to deal with it. It really is a shame they can get away with such.

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 2023-05-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was billed a total of {$890.00} on two statements from a vendor who had my charge information for services I never received, were duplicated, or overcharged. I sent a letter to Synchrony bank ( credit card bank ) disputing the charges on XX/XX/2023 and a second request of the same letter at the end of XXXX. It is now the end of XXXX and I still have not received a response. The letters were sent to Synchrony Bank XXXX XXXX XXXX XXXX, Fl. XXXX. I do not have an address for the vendor ... .name of XXXX XXXX XXXX XXXX .only dealt with them by phone as a referral from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX NJ. The vendor 's telephone number was XXXX. I've used the term " WAS '' because later phone calls to this number were unanswered or followed by a recorded message stating that this number is no longer in service. Persons I spoke with at XXXX XXXX XXXX XXXX were XXXX and XXXX ... .never gave me a last name or address. Please help me get some or all of the {$890.00} back. We are XXXX citizens in our XXXX 's and XXXX 's and every penny counts for us. 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 non-monetary relief
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to my understanding XXXX XXXX XXXX TransUnion drop my score by XXXX incorrect information being reported unlawful including XXXX XXXX  XXXX they supposed to delete that from my credit report XXXX TransUnion XXXX refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity 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 non-monetary relief
Consumer complaint received 2023-05-26 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: AL

Complaint narrative:
Due to my understanding Experian XXXX XXXX XXXX drop my score by XXXX incorrect information being reported unlawful including XXXX XXXXXXXX XXXX they supposed to delete that from my credit report XXXX XXXX Experian refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity 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 non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
Paid off a settlement offer for a debt to Discover Card, Account # XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This investigation has taken longer than 30 days and according to 15 U.S. Code 1681i, inaccurate, incomplete, and unverifiable information should be deleted and removed from the consumer file immediately. 

I am also including my prior CFPB claim.

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