vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and 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 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 explanation
Consumer complaint received 2022-04-02 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: WI

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2022-04-02 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:
XXXX XXXX the accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  accordance with the Fair Credit Reporting act 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 customer reporting agency can not furnished 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 explanation
Consumer complaint received 2022-04-02 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:
While reviewing my credit porfo ; ia with Equifax, I noticed inconsistent errors on my report. I have seen some one else 's credit profile and all their information. I noticed that the collection and hard inqurires on my report belong to this other individual with similar information. The last four of my social end in XXXX and I am seeing someone's report ending in XXXX. This is not okay that this company is merging two credit profiles with similar information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Id like to draw public attention to the underhand banking practice by Citibank regarding their Citi Flex Loan Offer. For the past 6 years I have been with this bank as a credit card holder, currently carrying a line of credit for XXXX. I use this card for everyday purchases which is paid in full when due ( sometimes earlier ). They kept bombarding me with a Citi Flex loan offer where they would convert a portion of the line of credit at a fixed APR with a fixed monthly payment. A family member had $ XXXX XXXX  XXXX 14.99 % so on XX/XX/XXXX I accepted this offer for $ XXXX 8.99 % to help her since she lost her job during the pandemic. 

Based on follow-up phone calls, I understood that the remaining line of credit ( XXXX ) was available for use in the usual manner but at prevailing APR ( 19.99 % ) on unpaid balances that exist after due date. That was a non- issue since my balance is always paid in full. 

Everything seemed to be flowing well until my XX/XX/XXXX statement revealed more interest accrual than expected and upon closer examination I discovered that Citi was applying my payments for everyday purchases to my flex loan with the lower APR of 8.99 % advancing this loan to pay-off at lightening speed. Essentially, they created an opportunity to charge me interest at 19.99 % which is a direct contradiction to their terms and agreement as highlighted below : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. As a result, if the APR for a Citi Flex Plan balance is higher than the APR of other balances on your Account, we will apply the amount above the Minimum Payment Due first to that Citi Flex Plan balance, and then, after that Citi Flex Plan balance has been paid in full, to the other balances. This will cause you to pay off that Citi Flex Plan balance before the end of its repayment period and may result in an amount remaining due on your next billing statement for the other balance, increasing your Adjusted New Balance on your next billing statement. '' I called them out on this egregious practice and interest on standard purchase of {$47.00} for that billing cycle was reversed ; however, the account still shows a balance for standard purchases so this continues to accrue at 19.99 %, much to their advantage. To date Im charged almost {$100.00} more in interest than I agreed to. I have called at least 6 times, also mailed and faxed letter asking them to fix this ( mailed on XX/XX/XXXX and subsequently faxed on XX/XX/XXXX ) ; to no avail not even the courtesy of a response. This is criminal behavior and must be exposed.

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 2022-04-02 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: WI

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: WI

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
In XX/XX/2022, I was told that my loan qualified for TEPSLF. If I could send in the employee certification, I could have my loans wiped out. Now I am told that I actually have four loans (? ) and will only get part of them wiped out. The others will, so they now say, be ineligible for PSLF or TEPSLF because I am not a teacher currently and still owe money on these two.

I held on the phone for one hour and forty minutes today to talk to these people. Anyone with a life does not have that kind of time to spend on hold. They know they have us and don't have to be polite. After I'd held for an hour, The recording said I had four minutes to talk to an agent, and then, someone picked up and put me right back on hold! Then I just held some more. This is just soul crushing! 


I have been given conflicting information every time I call these people, and I am full of despair after being told that they would be wiped out only to now be told they won't. I only teach four classes online now, and I that is not full time, per my employer, so I am going to be paying the Income-based repayment until the wonderfully final day that I die, which at least I can say will be a place and time that Fedloans can not come hound me.

My payments to XXXX XXXX were not showing up for years, and now for some reason they are. I am just tired of being jerked around by these people. I've made XXXX payments, but they somehow do not count, and I'm just ready to give up. I've never defaulted or missed a payment since I started paying back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Realized I have a negative balance of almost XXXX dollars. It is impossible. I will not pay this, and it already went into collections... There are other things the bank should have done like deny the transaction, or contact me.. despite that they just went on, accumulating fees which are not reasonable.. now my credit score is messed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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 2022-04-02 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: KY

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: GA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 explanation
Consumer complaint received 2022-04-02 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: MARINER FINANCE, LLC
State: IN

Complaint narrative:
Account name 1 -MARINER FINANCE 2XXXX XXXX 3 - XXXX XXXX  In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A store credit card for Neiman Marcus capital one was opened on XX/XX/XXXX. Two transactions occurred. The first attempt at XXXX for {$1000.00} that was declined. Second attempt at XXXX for {$1000.00} that went through and cleared. I was notified by XXXX on XX/XX/XXXX a hard inquire was reported on my account. On XX/XX/XXXX, I received a text from CapitolOne a Neiman Marcus credit will arrive on XX/XX/XXXX. I called CapitolOne immediately and was transferred to the fraud department. The fraud department closed the account and state I will get more information once the investigation is completed. I then called Neiman Marcus to report it and I was informed to contact CapitolOne. I called CapitolOne and was given the time, amount, date, and store location. The store location given Neiman Marcus XXXX XXXX XXXX On Monday, XX/XX/XXXX I went to Neiman Marcus in XXXXXXXX XXXX I spoke to a manager about exchanged numbers to receive updates and was informed to contact the police. I went to the XXXX police department and filed a report. I informed the police assisting me it could possibly be an ex that has a history of committing fraud and identity theft. The officer asked for the ex boyfriend name which is XXXX XXXX, birthday XX/XX/XXXX, number XXXX ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX XXXXXXXX XXXX United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I requested validation of this debt in writing over 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: VA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I made an online transfer monthly mortgage payment of {$2300.00} from my Wells Fargo checking account to my Wells Fargo mortgage account. Before submitting the payment, I confirmed the amount. Moments after making this online transfer, I received an email from Wells Fargo stating that my checking account had fallen to a XXXX balance, which triggered an interest-bearing credit advance from my credit card to cover recent transactions. When I made my first of several calls to Wells Fargo bank and Wells Fargo mortgage, I was told that my account fell into negative balance due to a {$4700.00} payment " I '' had made to my mortgage account today. I pulled up my mortgage account which shows the following : Balance Details Next payment due on XX/XX/XXXX Next payment details {$2300.00} Last payment received XX/XX/XXXX {$2300.00} When I called Wells Fargo mortgage, they confirmed that a duplicate payment had been made into my mortgage account. I did not make this payment, nor did approve this duplicate payment. I spent over two hours on calls with Wells Fargo bank and mortgage representatives, with both sides saying that the other initiated this duplicated payment. I was initially told that it would take approximately 2-3 business days to return the duplicate funds into my account and reverse the interest-bearing cash advance from my credit card. Then, in my most recent call with WF bank, I was told that it may take up to 10 business days to return these funds that I did not approve Wells Fargo 's moving from my account. In the meantime, I have XXXX funds in my account to cover bills due next week, and groceries I had planned to buy this weekend. I need immediate resolution of this issue ( reference number XXXX with Wells Fargo ) and a full explanation as to a ) how this happened, and b ) how Wells Fargo thinks a customer will wait up to 10 days to have their unapproved transfer of funds restored to their 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 monetary relief