vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX  shows the 30 day late payment in XX/XX/XXXX and Experian shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. This incorrect information is being reported on all three credit bureaus ( XXXX, Experian and XXXX ). I have tried to resolve this with each of the bureaus as well as with XXXXXXXX XXXX and it keeps showing up on my credit reports incorrectly reported.

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 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 can not furnish a account without my written instructions. 

XXXX. XXXX XXXX Account number # XXXX XXXX. XXXX XXXXXXXX Account number # XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX. XXXX 's Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number 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 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 can not furnish a account without my written instructions. 

XXXX. XXXX XXXX Account number # XXXX XXXX. XXXX XXXXXXXX Account number # XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX. XXXX 's Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Social Finance, Inc.
State: MA

Complaint narrative:
I've tried opening an online account with XXXXXXXX XXXX and they keep denying it. I chatted with them and they said to very that everything is in order with XXXX ... ..I did. They still won't open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
I called KeyBank to get overdraft fees resolved after not overdrafting for almost a year next month and was refused I have a great relationship with the bank I get direct deposits every two weeks and I spoke to a person named XXXX that refused and I got a reference number XXXX and her employee ID is XXXX I was hoping that we could resolve this issue I was only asking for 50 % of the overdraft fees to be recovered due to personal hardships and bills I overdrafted and asked for help and was refused even after saying that I would make a complaint no resolution was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My son XXXX XXXX, who is XXXX, has never worked, does not drive, and has never had income reported except XXXX is showing on his profile an annual income of {$47000.00}. We can not get assistance for this error. I am his mother and representative payee. I am not sure what is happening except my ex husband is concealing assets under our XXXX sons social security number which is a felony. He has been known to commit these XXXX XXXX  malicious acts in the past.

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 2022-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Unauthorized inquires were added to my credit report from companies I don't have an account with. 

XX/XX/XXXX - BOA - No action taken. No account was created. 
XX/XX/XXXX- XXXX XXXX No action taken. Company verified that no account was created XX/XX/XXXX- XXXX XXXX XXXX action provided by company. Verified no account was created.

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 2022-06-01 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I had a car loan thru XXXX XXXX for a XXXX XXXXXXXX XXXX. The payments were due weekly and added up to XXXX monthly. I had my account set up on autopay and never missed a payment. I checked my payment history and it says I was late 30 days. I have had two vehicles paid in full with this company and never missed one payment. I tried reaching out to corporate and they told me to reach out to the credit bureaus. I did. I sent a dispute about the pay history being incorrect. They in return said the information was accurate and would not investigate the matter. I want the payment history updated to all payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
A payment was made to SunTrust on XX/XX/2022. SunTrust has merged with Truist, who has failed to reconcile the account and payments. All documentation, including bank transfer receipt has been provided on multiple occasions. Truist continues to show the account as past due and is reporting the account delinquent to credit agencies.

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 2022-06-01 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: CO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX # XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX Capital One notified me that a hard inquiry had been placed on my credit report. I put a freeze on my XXXX and XXXX report. Then a few days later Capital One called to ask about my recent credit card application and I told them I did not request a credit card and that it was fraud. 

Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX about a credit card being opened in my name and I also told them it was fraud. Today on XX/XX/XXXX I froze my XXXX redit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
We bought our XXXX XXXX XXXX XXXX in XXXX and purchased the vehicle through a loan with PNC Bank. We immediately filled out the automatic payment withdrawal form so that the monthly payments would be withdrawn automatically from our bank account. We continued to make this monthly payment for the reminder of the loan up until XX/XX/XXXX. When unknown to us, PNC did not automatically withdraw the last car payment in the amount of {$500.00}. We counted on their automatic system of payment to withdraw all the payments until the total repayment of the loan. We have recently learned that our credit score has been dramatically impacted due to this situation. PNC Bank did not protect our credit score. We went back to look at the final statements and notice that there was hardly any change from the second to last payment to the last one which is why it was nearly impossible to know that we had to make the final payment in person as opposed to all the other XXXX payments. Despite never missing a payment, this has now put us at a financial disadvantage to remain credit worthy. After learning of this we immediately made the final payment on XX/XX/XXXX, and now owe no more payments but out credit score has taken a dramatic hit. I think this is truly unfair. There should be bigger fonts and notice that the last payment needs to be made by the person as opposed to all other payments. All the bill stated was " Final Payment. Congratulations! This is your final auto loan payment. Your title will be transferred to you once your final payment processes. '' Any normal person sees this bill and entrust that the final payment will simply be withdrawn like all other payments within the lifespan on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
CapitalOne is refusing to update my phone number. I have tried 26 times at least and it is always excuses and even when I do go through the 15,000 steps and hours of arguing over the phone and get the number changed they still do not change my number. I am tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage loan servicing transferred to a company called Mr. Cooper. The autopay did not get re-established correctly, even though I thought I had done everything I needed to do online. I received no phone calls, no texts, no mail, and no email to alert me about the failure to re-establish my autopay, even though they had been supplied with my cellphone number and had been authorized to call it. When I complained, they reversed the late fees. Nonetheless, they still made a derogatory credit disclosure which has significantly reduced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC
State: NV

Complaint narrative:
TitleMax has been calling me several times a day for the last 8 months trying to collect a debt. I have never had an account with them and have asked them several times to stop calling because they have the wrong number. They always agree to stop but still continue. The number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: GA

Complaint narrative:
I was given a credit report by Equifax on XX/XX/XXXX of 2022. On that credit report I found 3 hard inquiries that I found to be fraudulent, not made be me. All 3 of them occurred on XX/XX/XXXX of XX/XX/2022 The first was an inquiry made with XX/XX/XXXX Bank XXXX, and the other two were both made with XX/XX/XXXX XXXX, though one was specified as XX/XX/XXXX XXXX XXXX Card and the other was titled as XXXX XXXX Bank XXXX XXXX. I tried contacting Equifax to challenge these inquiries and to have them removed from my credit report for being fraudulent, but they told me that I needed to visit the Federal Trade Commissions website to report the inquiries. After I visited the FTCs website to see how I could report the inquiries, I was redirected to the Consumer Financial Protection Bureaus website to file a complaint about the fraudulent inquiries on my credit report, which is what Im doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX Bank 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 can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX Bank 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 can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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 XX/XX/XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXXhas violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: PA

Complaint narrative:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. The CFPB will also geta copy of this. 

XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC 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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have checking and savings accounts with Citibank, XXXX XXXX and have been a banking customer of this institution since XXXX of 1999. 
Every year I am subject to a thorough KYC review, which I would expect and consider totally normal.

What is abnormal is the cadence and number of calls I receive from the Citibank KYC team, often asking the same questions on multiple occasions. This year alone Ive received four or five calls, each lasting 30-60 minutes in duration- this is bordering on harassment. Each of these calls starts with a threat that my account will be frozen if I dont satisfy the banks KYC requirements. 
I understand the importance of KYC regulations, but feel I am being taken advantage of and harassed by this institution.

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 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
I had to file for bankruptcy at the start of the year. While I was in the process of filing I made very clear to my Loan Originator ( GM Financial ) that my intent was to REAFFIRM the loan after the bankruptcy was discharged. At that time I was informed that I would not be able to do anything regarding reaffirmation until AFTER the loan was discharged. To be clear, this was information given to me DIRECTLY by the GM Financial Collections and Bankruptcy departments. 

After the bankruptcy was discharged, I attempted to resolve the loan with them and have it reinstated. At that point they informed me there was nothing they can do, despite being provided with the name and information of the individuals who informed me otherwise. 

Since the bankruptcy was discharged, I have had nothing but problems in dealing with GM Financial. Every single time I try to call in I get transferred multiple times, and most of the time I get transferred I get disconnected and have to call back. I can not access any information about what I owe on the vehicle, I can't see payment dates, payment amounts, I don't even know what I owe on the vehicle anymore. This is entirely unacceptable. 

I want my loan reaffirmed. If the loan can not be reaffirmed because it was discharged, I need a NEW loan based on the current payoff balance, with the same terms as before. I am NOT trying to get one over or cheat the system, I want to be able to interact with GM Financial and with my Auto Loan in the same manner as every other GM Financial customer. It is absolutely unacceptable that I have received multiple different explanations. It is absolutely unacceptable that every time I call in I have to be transferred multiple times. It is absolutely unacceptable that I have to call multiple times because I keep getting disconnected. 

I just want this fixed so I can monitor my loan account like a normal XXXX customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act ALL 13 XXXX Accounts US Department of Education, All 13 XXXX XXXX accounts, 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 an 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 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mobiloans, LLC
State: WA

Complaint narrative:
I have made multiple attempts to verify that this debt is mine or owed and have not been able to get XXXX or Mobiloans to verify this debt yet this debt was reported to XXXX.

Company response to consumer: Untimely response