vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ZIP CODE XXXX You are in Direct Violatin of The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX, XXXX, late payment dates are XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX late payment date XX/XX/XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2023-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found inquiries on my report that i dont recognize XXXX Experian 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 2023-09-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to XXXX XXXX XXXX store to get a bed for my new place in XXXX. The store rep told me the bed I chose was on sale for {$1100.00} which was a great deal. Upon me signing everything to take advantage of the XXXX same as cash a bunch of extra fees were thrown in before me even getting the bed delivered to my home which now totaled {$1400.00}. The store rep told me dont worry about anything else and that it will show a balance of {$3300.00} but i only pay {$1400.00} which was still more than i originally agreed to. I was charged a delivery fee when the store told me it would be waived. Upon me calling XXXX to ask why my bed shows a balance of {$3300.00} they advised me that i was no longer enrolled in the 90 days same as cash and told me i would have to pay {$300.00} to be re-enrolled with the promotion. I was lied to and taken advantage of. This same bed is {$1200.00} dollars on XXXX and {$1100.00} on XXXX. I would never agree to over paying by an extra almost {$3000.00} dollars for a bed! The company knows they are wrong which is why they are offering to settle with me for {$1600.00}. The balance needs to be DECREASED to {$1100.00} the original amount and late payments associated with this account need to be REMOVED as well. You all increased the balance and that is INCORRECT! This is affecting my livelihood and ability to get approved for things in my life. THIS IS UNETHICAL PRACTICES!

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 2023-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am looking to rent a house and after I had applied for the application ( {$150.00} ), paid for first month rent ( {$1500.00} ) and security deposit ( {$900.00} ), the landlord has disappeared and will not return my money or phone calls. I tried to recover the funds through my bank but theyve claimed theres nothing they can do. Now Im facing the final weeks of where I live and dont have the money to find another place. The landlord had asked me to send him for MORE money for repairs/paint ( which is the CURRENT tenants responsibility ) and I knew that wasnt right so I filed disputes on the charges. Because PNC says theres nothing they can do, this person is free to take {$3000.00} from every person who clicks on his fake listing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
please see attached documents fraudulent accounts do 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 2023-09-23 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: IL

Complaint narrative:
I recently checked my credit report and i notice there is unauthorized credit inquiries made by the companies listed I never authorized and for no legitimate business purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Two bank accounts opened under my name despite a fraud alert placed.

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 2023-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX  card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO INCOMM VANILLA GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY XXXX XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO XXXX XXXX GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have an inquiry from XXXX  from XXXX and I dont owe a XXXX at all. Never have. They have it confused with my older brother since our social security numbers are close together and only different my the last number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called and requested for a 1099 form and for this to be deleted from my report because its charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: NRA Group, LLC
State: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that National Recovery Agency comply with the CFBP executive order & remove both alleged medical debts from my consumer report immediately. Failure to comply with the following demand may result in legal action pursuant to 15 USC 1692k due to non-compliance.

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 2023-09-23 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: TX

Complaint narrative:
I found inquiries on my report that i dont recognize Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX  Transunion 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 2023-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I found inquiries on my report that i dont recognize XXXX XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 Equifax XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc.
State: TN

Complaint narrative:
The day my loan was funded, I made a payment of {$500.00} the same day. It was not applied to my loan immediately. The payment of {$500.00} was to go directly towards principal and it never was. Thus, I have been over paying interest this entire loan. I will make a payment days earlier than my due date and the interest paid remains the same as if I waited the day the payment was due. 

As a result, I have overpaid interest over hundreds of dollars. Please apply payments the day they were submitted and recalculate the principal and interest. Overall, I should owe less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was on vacation and I checked my email on XX/XX/23. There was a survey from Kohls saying if I filled it out I would get a XXXX XXXX XXXX set. I did and they said I had to pay {$5.00} shipping. I gave my Capital One credit card number. I received a text from Capital One asking if I had authorized it and I replied yes. Once I was home and checked on my computer I realized it was a scam. I then checked my credit card charges online on XX/XX/23 and see a pending charge of {$71.00}. I immediately called Capital One to cancel this but they would not. I said it was pending still but they refused because I had authorized a charge in the past and they would cancel the card and mail a new one. I told them I did not want a new one and to cancel my account. 
I don't know if it is related but now I can't send or receive personal emails, businesses still get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Verve credit card I have a verve credit card with a {$1000.00} limit with Continental Finance, I have had this account for 1 year, and I pay {$35.00} a month through automated payments set up through my bank checking account. I have never been late making a payment. On XX/XX/XXXX, Continental Finance made an unauthorized deduction from my bank account for {$130.00}, instead of the {$35.00} i normally pay. XX/XX/XXXX {$170.00} was deducted from my bank account without my authorization. I called Continental Finance and they said that I had a late payment so they deducted {$130.00}. I filed a complaint to the XXXX XXXX XXXX  On XX/XX/XXXX I received an email from Continental Finance, stating that if i pay 75 % of my bill of {$740.00} they will close out my account and my bill will be resolved, and I had to respond by XXXX  and If I did not respond to their offer then {$200.00} would be deducted from my bank account as a regular payment and my account would stay open..I responded before the deadline and agreed to pay off my credit card balance and I told them I would pay {$270.00} in 2 payments for a total of {$550.00}, by the deadline of XXXX XXXX XXXX XXXX XXXX  they made an unauthorized deduction of {$200.00} from my bank account. I called Continental Finance and told them we had an agreement and they were not supposed to deduct any money from my bank account, and I also asked about the amount owed because the email they sent me said stated my balance was {$740.00} but my credit card statements said I owed {$540.00} for the month of XX/XX/XXXX. I asked them to send me an email confirming the agreement that we made and also with the correct amount I still owe. The person ( XXXX ) told me that my account was already closed so he couldnt send me an email. I checked my account online and it was still open and I never received any notice stating my account was closed. I did receive a letter in the mail saying there was suspicious activity on my account so they had to cancel my credit card. I have not used that card at all for over 6 months or more, but my XX/XX/XXXX statement shows a transaction made for {$41.00} but it doesnt show where or what exact date of the transaction. 
I have paid this credit card in full already, I do not owe any money, but they keep adding fraudulent charges to my credit card account and deducting unauthorized money from my bank account. I want this account resolved with a XXXX balance and closed. On my statement for XX/XX/XXXX and XX/XX/XXXX it shows {$0.00} credit available but online it shows {$1000.00} credit, I do not have any credit card statements reflecting the amount of {$740.00} owed as stated in the email I received from them 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 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I purchased a transmission from XXXXXXXX XXXX XXXX XXXX my Discover card was charged XXXX $ however I never received the transmission the charges went to XXXX XXXX  in NY city but they never sent me the item they told the credit card company that they provided a security system service but they never sent any supporting documents I have been trying to resolve this issue with Discover card but they refused to open up the case with the merchant.

Company response to consumer: Closed with explanation