vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I request that XXXX XXXX remove XXXX late payments and late reports up to 120 days after the end of the Covid-19 Pandemic. I have been unemployed for over a year during the COVID-19 pandemic. My unemployment benefits expire in XXXX of XXXX. I am very concerned about negative reporting due to the fact since my employment is in the cybersecurity sector background checks it part of the hiring process, and adverse reporting can affect my ability to gain employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc.
State: MO

Complaint narrative:
Agency claims debt is owed from a service in Colorado in XX/XX/2020 and I did not live in Colorado at this time. Debt is not mine. Debt was disputed with XXXX and XXXX and removed from report as it was found to be invalid. The agency is continuing to pull my credit report as hard inquiries with XXXX. I have contacted the collector and disputed the debt with them as well, but they continue to harass me and impact my credit with hard inquiry pulls despite the debt being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
The allocation of payments has not been made accordingly. I recently made a {$1300.00} payment to cure the late fees and get back on track, but for some reason, I can not get an answer as to why the additional principal payment is not being applied to the late charges. 

I am requesting that XXXX XXXX please waive the late fees on the account so that I can get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over XXXX police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me. 
This account was not made by me or authorized by me. 

Fair collections account # 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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have several CapitalOne credit cards and have maintained all of them in good standing for many years. Some I use more than others, some have/ had substantially higher credit limits than others. The card at issue was recently reduced credit limit without prior notice, and with no justification related directly to my conduct and account maintenance of this specific card.

Sudden reduction in credit limit has a direct negative impact on credit score, because 1/3-ish of the score calculation is about the % of available credit used. The substantial reduction has caused a substantial decrease in my personal credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to have this erroneous information in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MS

Complaint narrative:
I held two NO FEE accounts with Compass bank which were then acquired by PNC bank in their purchase of Compass. These accounts were converted by PNC to FEE BASED accounts without my notification or consent.

I was unaware of there change of the accounts to fee based accounts because I was never notified by PNC of their change.

PNC charge fees to the accounts, without ever sending me account balance information until such time as the accounts became overdrawn. Only then did PNC notify me of my accounts being in arrears. I then contacted PNC to close the accounts and pay what I owed. I spoke to a PNC representative names XXXX, who closed my accounts and indicated everything was properly addressed. 

Later I received notice from PNC that I had an additional late fee, which upon notification, I promptly paid by credit card. Nonetheless, they submitted an adverse credit event to the Credit reporting agencies. 

I an writing to dispute PNC converting my NO FEE Compass Bank Accounts to PNC FEE Based accounts without my knowledge or consent or me or giving me the opportunity to immediately close those accounts. As a result of their negligence, I have suffered direct financial harm ( loss of principle due to fees ) and negative credit reporting ( due to an overdraft caused by fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXX & XXXX XXXX XXXX  Account XXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. This is causing great stress and greatly affecting my ability to buy a home for my family.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope everything is going smoothly for you. I'm just writing to let you know that my credit report contains a number of inconsistencies. 

I won't go all legal on you, but I am aware that I have the option to ask for a new copy of my credit report that contains the updated information. Please do that for me ; I'd appreciate it. I appreciate you reading this and your time.

I have to admit that I am anxious about everything. It's as if you think everything is fine with your finances one minute, and then, bam, you find out that your credit report contains errors. You know, it's not a good feeling ; it feels like you've been hearing bad news all day. It's just a little unexpected, and it's made me defensive.

I'm not only shocked, but I'm also worried about what this might imply for my future. Inaccurate or incorrect information on a credit report is equivalent to receiving an F in math when you know you're an A student, since credit reports are like financial report cards. To put it mildly, it's disturbing, and it has me pondering how this may affect my future behavior.

My credit report should, in the end, accurately reflect my financial situation, is all I really want. Having this inaccurate data floating around feels like a huge knot in the system for me as an average person trying to keep my financial ducks in a row. I'm depending on you to help me set the record straight.

Again, I want to thank you for looking into this for me. I'm hoping we can resolve this so I can stop worrying about it. 

I'm hoping to hear from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I applied for the XXXX credit card administered by Barclay 's out of XXXX, Delaware on XX/XX/XXXX and was approved after a hard hit on my credit report with a score of XXXX. I have used my card several times over the past 6 years and have always made on time payments, never had a late payment. I used the lock feature on their mobile app to prevent anyone from stealing my card number and making charges. 
On XX/XX/XXXX, I received notification from XXXX that my acceptance with Barclay 's had been closed dropping my credit score by XXXX points ( due to Barclay 's performing an unauthorized credit check for an unexplained reason ). I have never had a single late payment on ANY of my credit cards. Why Barclay 's chose to check my credit without obtaining my authorization is beyond me. I called them on XX/XX/XXXX to ask. I was not provided an answer and was told that I had been mauled a letter on XX/XX/XXXX, the same day that the account was closed. I received the letter just today and it mentions that the credit decision was based on inactivity in the past 3 months ( no information about this in any correspondence to me ever ) and high usage on one or more accounts on my credit report. It goes on to say that the consumer agency that provided information that influenced their decision was XXXX ( which also included my current score of XXXX which isn't much different than the score of XXXX XXXX years ago used in approving my account ). Then the letter turns around and makes a contradiction in that the " reporting agency played no part in their decision and is unable to supply specific reasons why Barclay 's has taken this action ''.

The reason that I believe Barclay 's has made this bad faith decision is because part of my income derives from a public assistance program, namely SSDI. The company has also recently asked my marital status which I found odd.

Upon learning of this unfortunate and discriminatory closure of my account, I immediately called Barclay 's and asked for a clarification on their decision to which I was told that I would receive a letter in the mail. I offered to make an immediate purchase to have the account reopened ( since I wasn't informed that a purchase within 3 months was a requirement ) and was told no and that they would not reopen my account but that I could apply for a new account ( which of course would have a much lower credit score because of a direct result of their decision to close my account ).

I have been discriminated against to which the Federal Equal Credit Opportunity Act specifically prohibits! 
I deserve to have my account reopened and given the opportunity to make a purchase ( 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have sent payment and satisfied the debt with Capital One on XX/XX/2023 in the amount of {$530.00} ( see attached photos ) as you will see in photo screen shot I have taken from my application. Soon thereafter I received a docusign email on XX/XX/2023 From XXXX XXXX with the proof of my account paid in full. 

I received a notification from credit monitoring service that this account has reported past due and the balance is still showing. 

I am filing this complaint with proof of debt satisfied and want them to stop reporting in error in violation of my consumer law Rights. My intention is to sue if this is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 consumer reporting agency 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX 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 consumer reporting agency furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I wrote several letters to best buy on XX/XX/23 and XX/XX/23 to remove my transactions and experience off my credit report. I did not give them permission to share my information and by Law it is against the law. It is considered identity theft if they don't have me sign 3 forms of paperwork to allow them to do it. Best Buy is illegally reporting the experience ( utilization ) and transactions ( history ). The company is in clear violation of the law. pursuant 15 USC 1681a 2 ( a ) ( i ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are in violation of the FCRA 15USC 1681a 2 ( a ) ( i ) by reporting experience and transactions on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my consumer 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 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc
State: IN

Complaint narrative:
Subject : Complaint Regarding Debt Reporting Violation I am writing to file a formal complaint against Financial Assistance INC for alleged debt reporting practices that I believe are in violation of federal regulations, specifically 12 CFR 1006.34, Notice for validation of debts. 

I have recently become aware that an unfamiliar alleged debt is being furnished onto my credit reports by Financial Assistance INC. This information has been reported to the three major consumer reporting agencies, including XXXX, XXXX, and XXXX. My concern is that this action has taken place without providing the required validation information as mandated by federal law. 

According to 12 CFR 1006.34 ( a ) ( 1 ), a debt collector is obligated to provide consumers with validation information, which includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires debt collectors to disclose in their initial communication that they are attempting to collect a debt and that any information obtained will be used for that purpose. To the best of my knowledge, I have not received any such communication from Financial Assistance INC. 

The reporting of this alleged debt to my consumer credit report has had a severe and detrimental impact on my character, reputation, general mode of living, and my ability to obtain credit for personal and household purposes. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Financial Assistance INC for potential violations of federal debt collection regulations and consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I requested a pdf copy of my fully executed note, deed, and final closing disclosure. The Citizens Bank refused to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account NumberXXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. This is causing great stress and greatly affecting my ability to buy a home for my family.

Company response to consumer: Closed with non-monetary relief