vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/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 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The XXXX XXXX XXXX, XXXX XXXX, was set up to pay all my bills and because DISCOVER have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with DISCOVER as the Trustee. As the Trustee, I would like to remind you that DISCOVER, has a fiduciary obligation to act in a way that will benefits me. 

Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... 
On XX/XX/2022, I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/2022 but my account has not been created.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I have been having problems with this mortgage company since they took over my mortgage. I tried paying through their website, and had problems, they claimed it was my bank, they could not find my account, etc. Then I set up bill pay through my bank, and still had the payments post late, and BSI financial charging late fees. I had a XXXX way call with my bank, and the bank is sending the payments on time, they are not posting them in a timely manner. I called again on XXXX and the representative stated the fee of {$11.00} was nsf fee, which is not true, I had enough money in my bank to cover the payment. BSI keeps stating that the {$170.00} I owe is late fees, but this does not add up. Whatever way I try to pay them, they have an excuse for posting this late, and charging me more and more fees. 
I switched back to auto pay through their website on XXXX, so they could not say the payment is late. I know they are going to come back and state that they could not process my payment as they could not find my bank account. I know this, as they did this the last time, and when I talked to a rep, she claims it happens to a lot of their clients. This company is run very haphazardly, and needs someone to step in and regulate or fine them, as they are stealing people 's money by using predatory tactics to obtain extra fees. 
I have been on hold now for almost XXXX minutes, waiting to speak to a supervisor, as no one seems to know how to assist me with all the nonsense fees they keep adding to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an investigation result from Transunion. The file number XXXX. Transunion is deliberately breaking Federal Law while reporting false and inaccurate information on my consumer report. Federal Law says in 15 USC 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. Transunion is reporting this false information. Transunion is in violation of reporting this charge off on my consumer report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer. Where is my 1099? Consumer has not received a 1099 so that I may file this charge off as income? This account will be rectified or I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud and both company and Transunion will be held liable. Your institution will update my account as paid in full and remove any derogatory remarks.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
After seeing 3 different branch managers and an uncountable amount of phone calls with corporate for over a year, for simply wanting to cancel wire services since XXXX of 2021, getting charged monthly fees for a service I requested to cancel, getting charged for stop payments on multiple occasions for transactions I did not authorize and still getting rejected, after so many bank visits, emails, additional monthly fees for XXXX knows what that no branch manager or account specialist or customer service rep could even explain to me what these fees are for, let alone follow up or do anything about it - I finally was able to close my two business banking accounts with PNC today. I feel humiliated and cheated out, since all these fees and unauthorized charges totaled over a couple of XXXX dollars. Each time I came last to visit PNC bank branches in XXXX XXXX XXXX XXXX XXXX branch managed by a XXXX branch XXXX named XXXX, XXXX XXXX branch managed by a careless branch manager named XXXX XXXX XXXX and a downtown branch formerly managed by XXXX ) I felt XXXX small and unimportant. They've all seemed " so helpful but busy '', telling me to send them an email, never following up, never calling back, never doing anything about it. When I call corporate they start telling me that I did request a cancelation for my wire services back in XXXX of 2021, but the branch manager never gave me another paper to sign to confirm it? Why is it so intentionally convoluted? And when I ask the branch managers about it they look at me as if I just landed from XXXX. They even put a new " work order '' for the wire services cancelation a month ago and never followed up with me about it. I have email communications proving all of this, bank statements and if needed deeply enough you could look into camera footage and see the amount of hours I spent in frustration at these branches, to no avail. This bank is run by XXXX, and even if I don't get anything back I want people to know about this running XXXX of a crime organization, claiming to be a bank. I'm just beyond tired of all this. If needed more evidence, I'm more than willing to dig through and gather any information about what I said here, I'm just so exhausted from dealing with such nonsense while on top of that trying to run a business, let alone have a life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA TransUnion is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. 
XXXX XXXX Balance : {$1900.00} ; If TransUnion feels there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-02 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: AR

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$47000.00} ; XXXX XXXX XXXX Balance : {$3500.00}

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 2022-12-02 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: CT

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
transunion has these listed as hard inquirys and they need to investigate and send me proof to these inquirys or get them deleted ive been complaining about these for 8 months already Good news! It's a temporary ding and scores usually bounce back in 3 months. 
Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan. 
Inquiry details XXXXXXXX XXXX XXXX Finance ) XX/XX/2022 XXXXXXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX ( XXXX and travel ) XX/XX/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 2022-12-02 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: CT

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Balance : {$1000.00} SECURITY CREDIT SERVIC ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX, OH ] XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$570.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$2100.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX 2015 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CA

Complaint narrative:
I submitted a letter to Equifax dated XX/XX/XXXX22 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: PA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX have 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 explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
Im still getting charged interest on a balance that no longer exists. I paid off the card before the required date of XX/XX/22 and I got a {$78.00} charge for interest even though there is no balance

Company response to consumer: Closed with explanation