vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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: EQUIFAX, INC.
State: LA

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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX 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 that a consumer reporting agency can not furnish an 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 or 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 2023-03-26 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: LA

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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX 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 that a consumer reporting agency can not furnish an 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 or 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 explanation
Consumer complaint received 2023-03-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. There are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MI

Complaint narrative:
After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. There are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of 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 2023-03-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following companies show inquries on my credit report without my knowledge or authorization:

- 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a membership and a rewards card with XXXX 's XXXX XXXX. At the end of XXXX, XXXX 's transitioned from using XXXX XXXX  to Capital One. We were told that all of our prior rewards unredeemed, and all purchases made in XXXX during the transition would earn rewards. Right now, the only rewards currently on my account are the rewards I earned on the Capital One account. My purchases on the XXXX 's account from XX/XX/XXXX - XX/XX/XXXX as documented on my first Capital One Statement were {$18000.00}. On my XXXX 's account, I took a screenshot on XX/XX/XXXX that shows my rewards earned fro XXXX, XXXX = {$2.00} and XXXX = {$19.00} ( These rewards tie back exactly to only purchases made after the transition to Capital One ). I am supposed to earn 5 % on XXXX 's purchases, 2 % on restaurants and 1 % on all other purchases. The breakdown of the total XXXX of purchases and associated rewards I should have earned from XXXX XXXX XX/XX/XXXX are as follows : XXXX XXXX Purchases {$160.00} @ 5 % = {$8.00} rewards Restaurant Purchases {$620.00} @ 2 % = {$12.00} rewards Other Purchases {$18000.00} @ 1 % = {$180.00} rewards Total rewards I should have earned for this time period is {$200.00} and as you can see above, the rewards available mentioned above were only {$21.00}. 

I called both Capital One who told me after multiple phone calls and forwards to other departments, that the XXXX 's membership team would have to resolve this. I was then connected to XXXX XXXX to whom I requested that the XXXX transition issue be reviewed, as well as the rewards I had earned and not redeemed that were not transitioned from XXXX. The response was the email below, as you can see they did not respond to my complaint. 

Dear XXXX, This is XXXX, from XXXX 's XXXX XXXX XXXX XXXX XXXX. 

Im sending you this email to provide the resolution related to your Rewards balance request, As our Rewards team sees your eligible spending for the time period from last year to till date is {$7500.00} At an X5 % earning is {$370.00} and our Rewards team see you have already received {$630.00} which means you been receiving the rewards correctly. 

I have screenshots of the XXXX credit card transactions above, as well as the rewards balance that I can share if necessary. Unfortunately, I was unable to get onto the XXXX  Site to calculate the unused reward balance which I estimate to be about {$80.00}. I would also like to state, that I had to make a complaint in the summer of XXXX because when XXXX  transitioned to a new system, I was only 1 % on my purchases. It took a couple months to get that fixed with your assistance, which I appreciated. But honestly, I don't feel either XXXX 's or XXXX  properly reinstated all of the rewards I was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Dear CFPB, For the past 2 years, I have continuously disputed the inaccuracy of various items being reported within my consumer profile with Lexis Nexis. Lexis Nexis has always verified the disputed items as accurate. I have even submitted proof of the inaccuracy information and Lexis Nexis refuses to correct or remove the inaccurate information being reported against me. I have now come to you for help with this problem. Lexis Nexis reports me as being a female when Im a male, they report me as being a SR when I have no children named after me as well as incorrect addresses and unverifiable public records information. I am afraid that Im a victim of a mixed or merged credit profile. I have conveyed these concerns in writing to Lexis Nexis and they continue the o report the inaccurate information. For example, the public record is listed in my consumer report but has another persons ( XXXX XXXX XXXX ) as the listed person under the bankruptcy section. This is a violation of the FCRA. I am asking for the immediate removal of all public records and a {$1000.00} fine per inaccuracy being reported. 

I am also requesting that Lexis Nexis Please send an updated consumer report with the updated information within 30 days. Failure to do so will tie my hands to file court action with the Federal Court. 

I am also attaching proof of my current address as well as proof of the inaccuracy public record being reported. 

Respectfully submitted, XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration with the way my recent banking issue has been handled by your institution. On XX/XX/XXXX and XXXX of XXXX, I received two XXXX payments- one for {$350.00} and the other for {$650.00}. As per standard practice, I asked the sender for proof of deposit and an ID picture, which I promptly received. 

On XX/XX/XXXX, without any prior notice or explanation, a hold of {$1000.00} was placed on my account. After 5 days of constant calling, I was informed that my funds were under investigation for fraud, and I was not provided with any information about the person making the fraudulent claim. It was only after persistent follow-ups that I was able to find out the name of the person making the claim, and provided all the evidence required to prove my innocence. 

Despite providing all the necessary evidence, I was repeatedly told that it might take 7 days, then 15 days, and finally 45 business days to resolve the issue. On XX/XX/XXXX, I received a call from your fraud department, stating that my account was going to be debited for {$1000.00} due to fraudulent activity. I was shocked and dismayed, as I had already provided all the evidence requested by your institution. 

I explained to the fraud department about all the companies and bank accounts I have had with Bank of America for the past 18 years, and showed them all the evidence required. However, despite my efforts, they simply apologized and stated that there was nothing they could do. 

I find it extremely hard to believe that a claim made three months after the transaction, despite being verified with a code on my phone, could be deemed valid. I have trusted XXXX and Bank of America with my funds, and I am deeply disappointed that my account has been debited without any clear explanation or solution. 

I urge you to investigate this issue thoroughly and refund the {$1000.00} back into my account as soon as possible. I hope that you will take immediate action to rectify this situation, and ensure that your customers are not subjected to such unfair treatment in the future.

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 2023-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DHI Mortgage Company
State: MD

Complaint narrative:
I purchased my home from DR Horton and obtained my mortgage from DHI Mortgage and used DHI Title to close on XXXX XXXX. At settlement, they collected {$1200.00} from me for three months of property taxes. Soon after closing, they sold my mortgage to XXXX XXXX XXXX ( XXXX ). After selling my mortgage, DHI Mortgage paid my property taxes in full ( XXXX ) and requested that full amount be sent back to them from XXXX in XX/XX/XXXX. I had noticed my escrow account balance was extremely low and asked for an Escrow Analysis be performed by XXXX. While I was waiting for this to be performed, I noticed on my transaction and payment history with XXXX that {$3200.00} was sent to DHI Mortgage on XXXX XXXX. I then went back and looked at my Closing Disclosure and confirmed that I had paid {$1200.00} towards property taxes at settlement. I contacted DHI Title on XX/XX/XXXX about this and have not had a resolution to this issue. I had been told that XXXX XXXX, the Area Manager with DHI Title Agency, had escalated the issue to their Customer Care team. I received an email from XXXX XXXX Customer Care Specialist with DHI Mortgage on XX/XX/XXXX stating that they reached out to XXXX and they decided that another escrow analysis was not needed. That a new analysis will be completed in XXXX of this year. 

They have never addressed the fact that they still have {$1200.00} of monies I paid to them at settlement for three months of property taxes. I have not been given any explanation as to why the requested the full amount be sent back to them from XXXX. I understand that they paid the full amount of taxes outside of settlement, and they are due monies from my current escrow account, but not the full amount. It should be {$3200.00} less the {$1200.00} they had already collected from me. 

The entire transaction with Horton has been a nightmare. I need someone to please help me get these funds back to me personally or back into my escrow account with XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to resolve fraud on my credit reports since XX/XX/2021 with XXXX, TransUnion, and XXXX. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.

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 2023-03-26 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: CA

Complaint narrative:
I have been trying to resolve fraud on my credit reports since XX/XX/2021 with XXXX, XXXX, and Equifax. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I inquired about an apartment on XXXX  on XX/XX/XXXX, that same day i received a text message from a woman named XXXX XXXX through the phone number XXXX, she said she would meet me at XXXX XXXX the next day, i included the text message in the attachments. she asked me to check my credit score through 2 different websites which i did, XXXX, it also has an app attached to it named XXXX, i checked my credit score and took a screen shot of the score, my name, birthdate and current address. She also asked me to use the website transunion.com to check my score, i did and i screen shotted my credit score. I went to the residence the next morning XX/XX/XXXX, she did not show up, i called the number on the rental building, a man answered and said that apartment had already been rented and that i had been scammed. i called the police and they told me to reach out to this website. i contacted transunion.com, they told me to lock my credit account, i could not reach XXXX, they are unavailable on sundays. i attached text messages, and the XXXX ad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I submitted a purchase dispute with Comenity Bank XXXX XXXX XXXX  store card on XX/XX/XXXX for a purchase via phone. I followed up the phone dispute with a secure message on the Comenity webpage with supporting documents per the phone reps request. On XX/XX/XXXX I recieved a responce confirming reciept of supporting documents by comenity message support stating they were looking into my dispute and I would not be held responsable for the disputed charge. 

As of XX/XX/XXXX no forward movement has occured on my dispute, no additional communication has been issued by Comenity in reguards to the dispute, I am still showing a balance and payment due on the disputed charge, and Comenity is not responding to my requests for more information. 

The dispute goes as follows : " This item was delivered with major water damage. XXXX documented the damage and its also mentioned in the XXXX that XXXX XXXX XXXX issued as well as in photos in the email thread ( all attached here ) XXXX XXXX XXXX issued a XXXX requesting all original packaging be returned. I explained due to the water damage to the item and packaging I was not going to be able to ship the item back in the original packaging and needed packaging provided along with a XXXX pick up. 

This is a large item that was delivered via freight - XXXX XXXX XXXX  originally requested I go to XXXX  to get a box but after visiting XXXX it was descovered they do not carry boxes of the appropriate size XXXX XXXX XXXX then told me I would need to buy a second XXXX monitor to procure packaging to send the original broken one back. 
XXXX XXXX XXXX is not acting at all in good faith and making it impossible to make this transaction right. '' I sent the entire email thread with XXXX XXXX XXXX  support where they said I would be required to buy a second XXXX monitor from them to return this item. I also sent the XXXX that has the carrier ( XXXX ) statement of damage to this item in transit, and finally I included photos of the damage as it was taken off the freight truck. 

Yet even with all this data Comentry is still holding me accountable for a disputed charge and not investigating this case at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account was overdrawn they cash something that wasnt mine

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