vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: IL

Complaint narrative:
This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2023 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-04-27 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting act, The List Of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

NAME OF INQUIRIES : XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX CA XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXI XXXX - XXXX XXXX - XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-27 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX

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 2023-04-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been calling/mailing the form and going back and forth with CitiBank for over a month now. I simply need the funds to be transferred to another institution. 
Now the CitiBank is saying that they can not transfer the funds because the account XXXX XXXX number is not correct/indicated on the form! NEITHER THE ACCOUNT NUMBER OR SOCIAL SECURITY NUMBER WAS REQUESTED ON THE FORM!!! IS THIS WHAT CITIBANK DOES TO KEEP CUSTOMERS MONEY FOR A LONGER PERIOD OF TIME SO THEY CAN PROFIT OFF OF IT??? 
Can you PLEASE have someone look into this IMMEDIATELY! 
The Retirement Line phone number I've been calling at CitiBank is XXXX and speaking with XXXX, XXXX and XXXX. 

Please contact me at XXXX or XXXX as soon as can and if you need any further details.

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 2023-04-27 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I use to have a car loan with financial Lobel but it didnt last because the car was really bad kept on breaking down and also I was young I didnt look at the interest rate which was really high so I had submit my last payment in XXXX and call them for a volunteer surrender I explain to them why So they agree with me and told me that they will sell the car in auction The loan was XXXX They sold it for XXXX They also mention that I didnt have to paid anything at all thats left So for some reason they kept on adding random charge to my credit kept on putting late payment which is not true Every month my credit kept on going down because of them when the account was to be closed a while back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NJ

Complaint narrative:
Regardless of the multiple written requests, I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX ), has violated several of my rights. 

16 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 instructions.

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 serval 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 2023-04-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I sent out a certified letter including a copy of my drivers license and bill with my address to Experian to re-investigate an account that is showing closed with a balance. I have proof they received a month ago. I sent out a second dispute to them on XX/XX/2023 and the agent stated they didnt receive the first letter and are just responding to the second that I sent. I received an email response from XX/XX/2023 stating they did not believe it was me sending this letter. They are now stating they will start a dispute more than 30 days after I send the dispute in.

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 2023-04-27 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: NJ

Complaint narrative:
THIS ACCOUNT IS INACCURATE, I DID NOT INCURATE ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON 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 non-monetary relief
Consumer complaint received 2023-04-27 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: NJ

Complaint narrative:
THIS ACCOUNT IS INACCURATE, I DID NOT INCURATE ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON 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 2023-04-27 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: TX

Complaint narrative:
As a victim of identity theft I have found the least help from Experian in assisting me with correcting the errors on my report including the errors they have made, and for the fourth time they have responded by saying the account has been updated yet as shown on the credit report they sent still shows the account unchanged and failed to address the identity theft issue by only responding to the partial of the dispute complaint. 

**** The Dates of your payment history still shows the same error and fraudulent errors as you can see on the recent report you have sent as been updated as the past three times but ITS NOT.

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX my Bank of America checking account was hijacked/hacked by an unknown individual with my personal account details. They accessed my account and wired out {$8100.00} USD. 

I reached out to Bank of America when I took notice of this to put a stop to this and reclaim my personal account details, which was less than 5 hours from when this cyberattack happened. The agent informed me that the fraudulent wire was in transit and that I need to open a claim. I opened this claim on XX/XX/XXXX and filed a police report on XX/XX/XXXX. 

I called Bank of Americas claims XXXX number and spoke with an agent on XX/XX/XXXX to give them the case number of the police report and the name of the officer. When speaking with the agent she informed me that they have personal details of who hacked my account along with their receiving bank and explicitly said that Bank of America has reversed the wire and that I will received my funds back by XX/XX/XXXX. 

I received a notice on XX/XX/XXXX that Bank of America will not disbursement my funds. I called their claims XXXX line to speak with an agent and she has to document more details, as she states that the investigators did not document that my account was accessed by a device not normal to to my account history. I have given Bank of America all that they have asked of me to resolve this and have still not received my funds that was fraudulently wired out and they caught and reversed. They are holding my funds and have mismanaged my claim.

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 monetary relief
Consumer complaint received 2023-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

XXXXXXXX XXXX XXXX  Capitol One Global Lend XXXX XXXX XXXX COAF Team XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have never filed for a credit card with any of these companies. Currently going through a fraud situation and working with an attorney to clear up all of these matters

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 2023-04-27 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
In XXXX of XXXX i had XXXX late payment due to a medical emergency, in which my husband had an injury that caused his left leg to be amputated that i want to provide documentation from the hospital to FORTIVA explain. I was reported to XXXX, XXXX and XXXX for the late payment. I called on XX/XX/XXXX and spoke to a representative to have my account reviewed and to see my otherwise excellent pay history and to get a goodwill removal of the late payment reporting. I was given a {$36.00} late payment fee credit, but that is not what i needed. 

On XX/XX/XXXX i was transferred to a supervisor named XXXX, who stated that there was no one higher up in the company that could help me. I asked if i could send him medical information and my sincerest apology but he refused. He stated that it is their policy to never remove credit reporting. I asked if he could send me that policy information in writing and he said he could not. He told me to review the credit agreement. I did review the credit agreement and it contradicts what he told me. They do not report late payments 100 % of the time nor do they say reporting can not be reversed. I never signed anything according to what he says their policy is on reporting. He then said, that is their policy and that he is releasing the call and hung up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: MS

Complaint narrative:
I did not consent to benefit nor authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX failed to distribute points on a state inspection charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has fraudulently and unethically changed the Terms of my Mortgage. During the pandemic I legally took advantage of the Cares Act and did not make any payments for 16 months. During this time it was verbally agreed between myself and Wells Fargo that the 16 months would simply be put at the end of the loan. Which I had no problem with. I had already paid 8 years into my original 30 year loan. Unbeknownst to me, they changed it to a 40 year loan!! And have restarted collecting a whole new amount of interest. My previous payment applied {$260.00} to my Principle balance. Now, only {$130.00} is applied to my Principle. At the time of Loan Modification was to start after the Cares Act ended, a Notary Public came to my house with a stack of Papers to sign, which I did. But it was NEVER pointed out to me that the loan was now a 40 year loan! It was not talked about and was sneakily placed into the paperwork. I have a pdf copy of the agreement, but it is probably too large a file to add here. I can email it to someone when needed.

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a check for $ XXXX at my local Truist location. As she gave me the receipt, she told me that there would be a 10 day hold. I called later to find out why there would be a hold and they said they needed to verify the check. The check came from the XXXX of Minnesota. I asked if we could call together and they said no, they have to call on a recoded line. I asked what number they were calling and they said they couldn't give it to me. I told them that I found a number online with the State to verify checks. They told me they would work on it and get back to me. I called later in the day and they said that no one would help them verify it. I asked which number they called because I called the one on the website and that lady said she could verify and she answered on the first ring. I was told they were too busy to help and to call back tomorrow. I called back the next day and was told again, that no one would help them. I asked if they could verify the number they were calling or if I could give them a different number where I spoke to someone. They said no, and to stop calling. They said they would keep trying and they would call me when they spoke to someone. This is a government check, with multiple verification items on the actual check. This money was for my wedding that is in XXXX weeks and vendors need to be paid. They were rude and because I went to the branch, the XXXX customer service people said they can't help only the branch because the branch is the one who put the hold on. Online it shows the deposit and then right after they removed it and put the hold on.

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 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
As I'm attempting to pay down my car loan I've noticed that there's no way to apply an extra payment to principal only. Wells Fargo continues to apply this to interest and fees. I am currently 3 months ahead on my payments and no matter what when I apply an extra payment it continues to apply a certain amount to the interest despite being ahead. The only way to apply additional payments to principal is to add it on to an automatic pay option. There are even fees that are being paid that I don't understand or can not tell what they are. I'm not certain why I have to pay future interest that hasn't yet occurred. For example if I pay off my car now then I would have paid interest that never would have existed increasing the overall cost of the car.

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 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation