vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 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: OH

Complaint narrative:
I've disputed an account labeled " XXXX XXXX XXXX XXXX '' because it has incomplete information on my credit report. TransUnion has violated 15 U.S.C. 1681e ( b ) - my right to accuracy of information and 15 U.S.C. 1681i ( 5 ) ( a ) - deletion of inaccurate reporting. TransUnion has stated that this creditor information is verified, accurate and complete. However, the date of first delinquency is missing in my report.

FCRA law states that if an account is not accurate and complete, it must be removed upon request. This particular account was disputed as incomplete, but, the account was not removed. That is a violation of U.S.C. 1681i ( a ). TransUnion please promptly delete this account from my credit report.

You're hurting my credit worthiness and I need this account information to be removed.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for XXXX or XXXX XXXX purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXX XXXX  as well.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for XXXX XXXX XXXX  application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Judgment was issued pursuant to a continuance of unlawful detainer for FINAL damages and rent. 

plaintiff was XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX The notice of hearing ( XX/XX/XXXX ) to establish was for XXXX and included XXXX in attorney fees ( I have this document ). 

The final judgment was for the amount of XXXX which I paid in full with interest on XX/XX/XXXX. I have the receipt for this payment. 

I am still receiving letters that include threat of legal action from the collection agency unless a balance of XXXX is paid. This balance was changed from XXXX initially and they claimed it was for legal fees which the judgment said were 0. They have not followed through with any legal action. I do not owe any of this money per the judgement. It is now XX/XX/XXXX and the letters keep coming.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Subject : Dispute of Inaccurate Utilization Amount on Barclays Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my Barclays account . The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : Barclays Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by Barclays is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted Barclays directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to Barclays, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that Barclays corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding Barclays accountable for their inaccurate reporting practices. 

Sincerely, 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 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened the Business Checking account at American Express online after filling out required account details however, somehow my business 's TIN number is showing up in both the actual place where TIN is supposed to but also as my personal SSN. I have tried numerous times to get American Express to fix this mistake and they are asking me to close this account completely ; get a new TIN number as the company would not allow me to use the same TIN and reopen a brand new account with the new TIN and SSN. This is unacceptable and having to get a new TIN is an entire process with cost and time issues.

The company must fix this at the earliest rather than cause me further delays and heartaches making an unreasonable demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One is engaging in harassment in order to collect a debt. I have been receiving excessive calls and texts daily and multiple times throughout the day. This constitutes unreasonable/unwanted contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Servicing for our property was transferred to Fay in XX/XX/XXXX. We submitted our first payment due on XX/XX/XXXX to FayServicing via bank check on XX/XX/XXXX. This check was received and cashed by Fay servicing on XX/XX/XXXX. 

However, Fay misapplied this payment to another account, initiatinga domino effect of late fees and default interestcharges ( see page 2 of CFPB complaintXXXX, where Fay acknowledged as follows : " Fays records reflect that the funds were inadvertently applied towards a loan not associated with the above-referenced property on XX/XX/XXXX. Please note, these funds were recently reversed from the incorrect account and applied to your loan. '' ) As of today, XX/XX/XXXX, Fay Servicing has still not removed the default interestcharges resulting from their misapplication error. We called Fay Servicing on XX/XX/XXXX to resolve this issue with a representative ; however, the representative said she had 1 ) no access to the original CFPB compliant and associated response, 2 ) could not pull this information up in our system, and 3 ) could not waive any charges as a result. She agreed our only remedy at this point may be to pursue legal action. 

I have attached a copy of the bank check that was cashed by Fay on XX/XX/XXXX, which Fay had indicated they never received and then assessed late charge and default interest on our account. It has been 6 months and Fay has yet to remove the default interest charges that should have never been assessed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 This INQUIRY was unauthorized and done fraudulently without consent!

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These address is wrong on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX I want to correct these address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, 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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These address is wrong on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX I want to correct these address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK
State: TX

Complaint narrative:
Mortgage company did not pay my escrow for 2 years. Company states that they did not receive my paper work for my insurance initially. 

Mortgage company did not do a reassessment since XXXX skipping XXXX. This year ( XXXX ) they stated since I did not have insurance and shows a deficit of XXXX dollars for my insurance for the year of XXXX, XXXX and XXXX they accumulated all 3 years and divided it into the current year raising my mortgage by over XXXX additional. Called bank they stated that my information on record was incorrect and is why I did not have access online and apologized. Company stated that they apologize for not doing an assessment year prior but there is nothing they can do I have to pay the amount since my original policy could not be back dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
XX/XX/2023 Dear Goldman Sachs Bank, As a federally protected Consumer, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank. I submitted applications to extend credit on 13 plus occasions and was denied. As you may be aware, an adverse action against a consumer is against Federal law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that I used my credit card to credit this transaction, pursuant to 15 USC 1602 ( l ). Furthermore, you proclaiming an adverse action against me is an unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ). 
As seen in the Notice section at the bottom of the adverse action letters Ive received from Goldman Sachs Bank, it states that the Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicants has in good faith exercised ANY right under the Consumer Credit Protection Act. Furthermore Goldman Sachs Bank released nonpublic personal information to the consumer reporting agencies, which ultimately violated my rights to privacy pursuant 15 USC 1681 section 604A.

This is the last attempt to give Goldman Sachs Bank an opportunity to cure and rectify this situation. My intent of this letter is to benefit from a fair and honorable transaction, through a right granted to me according to law. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit as well as compensate me for the damages this has caused over the last couple of years. If you do not, you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violating the law and an invoice for damages shall follow. 
Thank you for your time. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: KY

Complaint narrative:
Fraudulent activity. See attachments below!

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 2023-06-18 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Regarding old complaint XXXX, to XXXX XXXX, which XXXX replied to CFPB WITH A LETTER saying they will remove reporting from the 3 credit bureau, that was on their letter on XX/XX/XXXX. 
Starting XXXX  ON XX/XX/XXXX, found out that they didnt do anything They don't respect their promise, they don't care about customers like me although i am a customer since 8 years with 3 cars now, ALSO THEY DONT RESPECT CFPB.

I DID SEND 2 LETTERS, CALLED NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One has been doing multi inquiries on credit report. I have not authorized Capital One to due any inquiries on my behalf. Three times month is unnecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are false information on my report. Phone numbers on my report need to be removed. Only valid number is ( XXXX ) XXXX. 

The following need to be removed as it is inaccurate information : ( 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 2023-06-18 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:
YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/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 2023-06-18 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: TX

Complaint narrative:
I submitted dispute to XXXX, XXXX and Experian - Verify and delete aged debt, XXXX & XXXX XXXX XXXX The debt it is the same debt. It has been reported multiple years inaccurately since XXXX. 
*********************************************************************************** RESULTS : XXXX - Deleted Both FILES : XXXX : XXXX- DELETED XXXX XXXX XXXX XXXX DELETED **************************************************************************************** The RESULTS other two did not delete the files : XXXX : only removed XXXX XXXX XXXX XXXX UPDATED XXXX I have connected and file dispute XXXX XX/XX/XXXX and reinvestigation with Experian did not yield any results. It was difficult for dispute. 
******************************************************************* **RESULTS XXXX : ______ ** XXXX XXXX XXXX XXXX ** XXXX DELETED XXXX XXXX I submitted the disputes and reinvestigation. 
****************************************************************************** Section 1681e ( b ) of the FCRA requires credit reporting agencies, like Experian, XXXX to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. They are violating my rights.

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 2023-06-18 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: Rent Recovery Solutions
State: OK

Complaint narrative:
I am trying to buy a house as a mother I was denied and then realized negative accounts causing damage on my credit report. I recently filed a police report regarding the issue and I have submit an affidavit listing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was overcharged a huge amount of money

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 2023-06-18 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: NY

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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
They have attempted to contact me 8 times, just today. My understanding is a reasonable number of phone calls is 7 times in 7 days. They attempted 6 times yesterday. I can provide more documentation, but this should suffice.

Company response to consumer: Closed with non-monetary relief