vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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.

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: IN

Complaint narrative:
The cases with the XXXX  are not guilty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on there at all The case in Ohio is old as well it should be at lease XXXX to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
My credit was fraudulently used to get a car loan form Exeter fin this was not me please look into it as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: KY

Complaint narrative:
They deceived me with the loan and the illegal apr the intrest rate is over 600 % i borrowed XXXX dollars and if i follow the payment agreement i will pay over XXXX $ this is illegal they think because they are sovereign that federal laws do not apply to them this is false im gon na revoke authorization of ach transfers from my bank account and debit cards and if they still debit my account i am going to take them to federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TX

Complaint narrative:
Wire fraud took place on XX/XX/XXXX in the amount of {$9300.00} plus a {$25.00} wire transfer fee. I went to the XXXX XXXX, TX branch and personally tried to stop this transaction. The Wire transaction occurred at XXXX and Chase claimed they were unable to stop the fraudulent wire transfer. I was advised it would be XXXX bus days for them to investigate/return the funds. It has been XXXX bus days ( even with the holidays ). Chase filed the claim on XX/XX/XXXX and froze our account. Created a new checking account so they perpetrator couldnt access funds any longer. I was advised by XXXX at the branch that she filed a wire fraud case number : XXXX. I have tried to reach someone to get updates on this research and have been told by XXXX that there is no one I can reach out to. She had previously advised I could call the number on the back of my debit card and ask to speak to someone in the wire dept. After being transferred 7 times, no one was able to help. We feel Chase has no incentive to assist us and are ignoring this. I also tried contacting XXXXXXXX XXXX directly. The wire transfer was sent to a bank account with the name XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. They refused to tell me if they received any electronic notification from Chase requesting my funds to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had my apple card restricted before XXXX. I contacted right away and asked why did you guys do it. They said they think the account is fraudulent and need to verify it. They needed to send me an emial through XXXX so I give permission to my tax records. It took them 4 days to give it to me. After I signed everything. I have been waiting up to this date with no sign of ever being finished. Everytime I write to them they say it is still under review. Come on man just finish up with the review so I know my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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 a victim of identity theft. Upon applying for a student loan in XX/XX/XXXX, I was denied due to a negative item on my credit report. I was not aware of any negative items on my report. I checked my credit report, and it showed an account for a credit card for XXXX XXXX issued by XXXX. I never applied for a XXXX  card. I never authorized anyone to apply for a XXXX credit card. The address XXXX lists on this account is an address I have not lived at since XXXX. I don't know who opened the card and stole my identity. I followed all instructions listed on Federal trade commission website and filed an identity theft report and police report. All required information was sent to XXXX XXXX XXXX XXXX on 3 different occasions. I also filed a dispute with each credit reporting agency. XXXX ignores my dispute and identity theft / police report. They keep certifying the debt as accurate to Experian. XXXX and XXXX have both removed the account from their credit reporting per the FCRA. Furthermore, XXXX XXXX XXXX XXXX has now turned this fraudulent account over to a collection agency called XXXX XXXX based out of XXXX XXXX, XXXX. This account is identity theft and identity theft report and police reports have been filed. This account needs removed from my credit report and removed from the third-party collection agency per the FCRA.

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Opened new credit card account with XXXX XXXX serviced by Citi Bank and purchased {$71.00} Received bill XX/XX/XXXX and made payment of {$35.00} on XX/XX/XXXX 1 day after due date and to an old Home Depot Account ending in XXXX that was in my bill pay system. 

XX/XX/XXXX received next bill and noticed first payment not applied. Amount due was {$100.00} Called to have overpayment of old account transferred to new account ending in XXXX. Made payment for balance of XXXX on XX/XX/XXXX. Called and spoke with XXXX and Was told late fee would be refunded. 

XX/XX/XXXX received bill for old account ending in XXXX with {$35.00} credit balance removed. 

XX/XX/XXXX received bill on account XXXX for {$100.00}. Did not reflect credit of {$35.00} from old account. {$42.00} in fees was added. 
Called XX/XX/XXXX spoke to XXXX who email with credits issued in the amount of {$2.00}, {$29.00} and {$40.00}. 

XX/XX/XXXX called and spoke to XXXX and XXXX XXXX. She issued emails indicating credit issues for {$2.00} and {$29.00}. 

XX/XX/XXXX bill only showed credit of {$35.00} and {$40.00} plus a late charge of {$31.00}. 
Called XX/XX/XXXX spoke to XXXX people and then XXXX who was to transfer me to a XXXX however was disconnected 3 times during XXXX minutes on the line. 
I have been receiving XXXX collection calls per day except for XXXX and XXXX XXXX hollidays. Received XXXX yesterday and XXXX today before I called stating they were collecting a debt in the amount of {$78.00} of which {$29.00} was past due. Don't know how to stop these late fees.

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 2023-01-03 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was approved for payments through the XXXX XXXX. The program paid my past due payments for XXXX and XXXX of XXXX. They also agreed to pay 6 months of ongoing forward payments. They paid XX/XX/XXXX payment on XX/XX/XXXX, however it wasn't posted to the account until XX/XX/XXXX. Per XXXX, they sent XX/XX/XXXX payment on XX/XX/XXXX. It is now XXXX and it has yet to be applied. Called mortgage company and they stated they haven't received it, but again XXXX stated it was paid to US BANK. They stated the same for XXXX and US Bank eventually posted it to my account. Just trying to get them to post XXXX and now 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 2023-01-04 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

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 2023-01-04 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST MERCHANTS CORPORATION
State: OH

Complaint narrative:
Opened checking account online in XXXX of 2022. I was dissatisfied with the customer service and other aspects of the bank, so I decided to close. Multiple representatives refuse to close the account over the phone or online, saying I needed to visit a branch. There is not a branch close enough to me to get to during open hours, as I am at work nearly all of their open hours ( I specifically wanted a bank account with online and after-hours services ). The representatives informed me that despite this, I must go in-person during branch hours to close even though the account was at zero and I had opened it online. They also refused to downgrade the account to a fee-free version. I continued to pay the $ XXXX fee for an account I did not use and did not want, but got quite fed up with this after 6 months of no resolution. 
After two months of me refusing to pay the fees, they continued to charge the fees to the empty account anyway, and they have apparently found a way to finally close it without me visiting a branch ( which is what I had been requesting all along ). They have put a negative report on my banking record, though, and still demand the last fees I refused to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-01-03 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: U.S. BANCORP
State: CO

Complaint narrative:
In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose

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 2023-01-03 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: IL

Complaint narrative:
These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report Delete these lies 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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Claim # XXXX I was denied this claim. I sent the merchandise back to the merchant and never received a refund. The bank said that the merchant attached documentation that stated it was a legitimate claim. I never said it was illegitimate. I said I returned it for a refund. Capital One lied, they did not attach any proof that the company sent me a refund or any other proof. I want my money refunded. I no longer have the product. Why am I paying for it???????? Capital One needs to be dealt with because this is not the first time they have wrongly denied a claim and I am thinking of taking legal action because this is getting ridiculous. They keep denying claims for reasons that I did not even file the claim : illegitimacy??! Really?? I said I am owed a refund because I returned it to the merchant. I will be handling this further if they do not appeal this decision. I sent them the tracking information attached that I sent back the merchandise!!!!!!! It was delivered back in XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
The debt on my credit was fraudulently put on that was not me and I would like it fixed as soon as possible.

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 2023-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have checked my credit report that the account from XXXX XXXX ( XXXX ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " XXXX XXXX XXXX '' " up to XXXX days after your vehicle has been returned XXXX XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for XXXX months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc.
State: KY

Complaint narrative:
I contaced solofunds and there banking platform XXXX  and there bank XXXX XXXX several times to revoke autorization of ach transfers from my bank account or debit card XXXX XXXX XXXX said i had to go through solofunds which i did on several occasions even got an attorney involved they told me i could not revoke which is totally false i can revoke at any time after a week of arguing with them through text and email because this is the only way to get ahold of them they still took XXXX XXXX from my account after i revoked i am preparing to take them to court this platform thinks they dont hve to follow the law clearly they told me i could not revoke they have no way to contact them except email and text i asked several times for there contact information and they refused to give it to me so i asked for there attorneys contact info same result nothing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation