vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: OK

Complaint narrative:
I have provided an FTC report to TransUnion in the last 30 days for an account to be removed due to fraud. TransUnion has refused to process the report citing that the creditor indicated the information was accurate, which it is not. TransUnion also indicated that the FTC report did not meet its internal guidelines, on which a second FTC report was filed. At this point, TransUnion has indicated it simply relies on the creditors information and give no deference or weight to the current FTC report that has been filed per TransUnion 's instruction. Per the FCRA, the account must be removed via the FTC report. See Sessa vs, TransUnion Case No. 7:19 -cv-9914

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 2022-12-08 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: VA

Complaint narrative:
I have reported accounts on my report that were fraudulent. Experian, XXXX and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.

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 2022-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
I have a HELOC with US BANK. I am participating in their hardship program. I have been in contact with US Bank for several months regarding my account. 
Earlier this year I informed US Bank I was going to apply for the HAF program as soon as it opens for applications in ND, where I reside. In XX/XX/2022 I applied to the program and was accepted pending mortgage statements from US Bank. I have requested mortgage statements on several occasions. XX/XX/2022 I spoke to a customer service rep requesting this information. I was transferred to a few different departments trying to speak to the people who could assist me. I was told my account couldn't be found but I would be connected with someone who could help. I contacted US Bank in XXXX and XXXX and was assured my statements would be mailed. I do not have dates for these calls. I called and spoke to an employee on XX/XX/XXXX and was again told the statements would be mailed. We discussed the HAF program, and I stressed the importance of submitting this final piece of information. On XX/XX/XXXX I contacted the bank again requesting my statements. Today is XX/XX/XXXX, after waiting for the day 's mail to arrive and no statements I decided to file here. USBank employees were all very professional and courteous, it just seemed like they were unclear on what department was doing what. I have been served with a summons and complaint for foreclosure. I was informed by US Bank that the summons was dismissed due to my participation In HAF. I am very fearful of losing this funding because of this paperwork and in turn losing my home. Thank You for your time.

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 2022-12-08 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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 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 2022-12-08 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: GA

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 XXXX acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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 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 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made 3 transactions on XX/XX/XXXX, XXXX XXXX XXXXXXXX, {$810.00}, XXXX XXXX XXXX Same item and ammount for the 3 transactions. 
The purchase was made on the store but due the big size of the boxes I requested to have this shipped to my home. 
The seller never sent the items, also never provided a tracking number or shipment information. I tried to contact the merchant several times but they never answer. 
Must be delivered on or before XX/XX/XXXX, first contact with them was on the same day, XX/XX/XXXX, and the last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with TransUnion to delete account and pertinent documents were uploaded for validation. XXXX deleted account, TransUnion DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX XXXX XXXX  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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
On XX/XX/22 I sent Caine & Weiner a validation of debt letter because I noticed the account on my credit report for {$500.00}. XXXX shows this account as a COLLECTION and XXXX shows this account as OPEN, INACCURATE INFORMATION. In the debt validation request a CEASE AND DESIST was placed on the collection of this alleged debt during the validation period in which I ask for 30 days to review the documents they were to send me. I received a response XX/XX/22 the letter was dated XX/XX/22. Not only did they NOT send the documents I requested THEY ALSO ATTEMPTED TO COLLECT on this alleged debt which VIOLATED THE CEASE AND DESIST ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XX/XX/2020 I have been trying to resolve my claim with no positive result, instead I am told they are sorry and to continue to wait, it's been 2 years now of going back and forth with multiple supervisors agree that I should not be held liable and that this is not me or my fault, yet they still have not helped me, I have had to have this claim reconsidered over 60 times due to their denial that clearly is automated. They refuse. They sent out a letter last XXXX and I were to receive credit for my claim, and they refused say it was generalized, currently I have another claim of XXXX due to their negligence. using an old card on my account that was not active causing another huge strain and leaving me with nothing, I have begged them, and they refuse to help and refuse to give me a hardship I have complied with all of their demands, yet I get no where claim # XXXX {$1900.00} claim # XXXX {$9400.00} excuse no posting error has occurred Still have not received anything

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital one credit wise is not revealing the correct information they claim that my oldest account ( which is with them ) is closed. They claim that the information listed on the report was reported by XXXX XXXX. But when I contacted XXXX XXXX this is what they had to say : You can contact them directly and let them know that you verified with XXXX but your Capital One account is not even closed, so they can check for you. Capital ONE says Im require to write a letter and physically mail it to get the information updated. Meanwhile their process of lowering my credit score is affecting how much I pay for things and Im attempting to refinance my home. I find this negligent and incomparable to the consumers. Im tired of fighting for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have 2 fraudulent inquiries on my equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022. I did not consent or authorize these inquiries for my personal credit report. I am asking that documentation be provided that I applied for these accounts and if no documentation can be provided that these be deleted from my file immediately so i can not be denied credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC.
State: NY

Complaint narrative:
To whom may concern, I have a commercial loan account with bank of hope since XX/XX/XXXX. It is 5yr fixed rate+5yr variable rate + lum sum full balance payment or refinance after 10 yrs. no penalty for early payment after 5yrs. 
And I have been paying monthly mortgage on time for 6 year now. Due to the sky rocketing mortgage rate these day, I have paid the majority of the principal amount in XX/XX/XXXX to decrease the interest amount on my principal balance. 
however the monthly bill and the monthly interest amount was not dropped at all, and I kept receiving the same bill even after big payment on my principal. 
I called the branch to ask about the situation, but they just told me that the person who helped me with my loan is no longer in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The IKEA Project credit card company refused to explain how they allocate my payments to the three promotional purchases outstanding which each have a different ending date on the promotional interest rates. I have three promotional purchase balances and one of which is set to expire on XX/XX/XXXX. After the expiration, that remaining balance will be charged interest. I am trying to avoid paying interest on that balance and have even sent in additional payments to be applied to that upcoming ending balance. The company when asked to explain how they determine how my payment of {$300.00} ( which is above the minimum due ) is applied to each balance, I am told they do not know how those are done and can not explain to me that I just have to keep making payments until the promotional balance is paid. I am not able to apply extra payments directly to a promotional balance. I have called many times and they are simply refusing to help or even give me guidance other than just to send extra payments in and then call in and request that money is applied, however the operators are not able to give an up to date remaining balance on accounts until the statement closes, so there is no way to know how much to allocate to each account. Today the company has disconnected my calls with them twice as I was trying to resolve this again. I call today, XX/XX/XXXX at XXXX cst for XXXX minutes and was disconnected, I called again on XX/XX/XXXX at XXXX and was disconnected after XXXX minutes on the line. I have not recieved a call back and I am still uncertain if any additional payments above the minimum due will be applied to the most current ending promotional balance. I should have control over applying payments to promotional balances especially those due to expire soon. My statements do not show the minimum due on each promotional balance, the statement just shows a minimum due on the account as a whole. There is not a way to understand how the company allocates the additional payments above the due amount to the remaining promotional balances. When calls are made to teh company to understand and clarify, the calls are meant with aggressive representative and calls are then disconnected purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an email on Friday, XX/XX/2022 that my application was processing and shorty after that my account was opened. I did not fill out an application or apply for this account. The account opened was Bank of America XXXX XXXX Banking Account. 

I called and they have stated that the account has been sent for closure. Please confirm the account is now closed.

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 2022-12-08 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: VA

Complaint narrative:
I have reported accounts on my report that were fraudulent. XXXX, XXXX and transunion failed to removed accounts after being provided proof that the accounts did not belong to me.

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 2022-12-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reported accounts on my report that were fraudulent. XXXX, Equifax and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Opened a new credit card, thinking there was a 0 % fee for transfers ... come to find out its 0 % APR with a fee of XXXX Tried to contact cc to reverse it, as i would rather pay the interest up front. They declined, and gave me legal jargon that was confusing. 
I will NOT pay that fee, but I am FINE with them transfering it back with no harm to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

I contacted XXXX, XXXX and Transunion to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations

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 2022-12-08 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: TX

Complaint narrative:
FCRA Violation : address not mine 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 FCRA Violation : student loans not mine US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION / XXXX  FCRA Violation : hard enquiries not mine 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 FCRA Violation : collection not mine 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 2022-12-08 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: CA

Complaint narrative:
Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with XXXX to delete account and pertinent documents were uploaded for validation. XXXX deleted account, XXXX DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX Home Mortgage  Account # XXXX

Company response to consumer: Closed with explanation