vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-09-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear, transunion, XXXX, and XXXX I would like you to remove all the inaccurate and misleading information from my credit report. 
Such as addresses 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 2023-09-15 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: MD

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
To whom it concern I am filing a complaint on Sequium Asset Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX in to Reference # XXXX XX/XX/XXXX This company called me to collect a debt that was already resolved by XXXX XXXX which is XXXX XXXX. I as this company do not call or send me a letter because it has been resolved by the XXXX XXXX Resolutions Manager, XXXX XXXX XXXX number ( XXXX ) XXXX XXXX EXT XXXX I was wrongfully sold this product and billed for it. I returned the phone and the bill was erased by XXXX XXXX XXXX. I am not sure how this company got this but this was taken off my credit once the issue was resolved with XXXX XXXX XXXX If needed I have the emails from XXXX XXXX this has been resolved. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: AL

Complaint narrative:
I received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court

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 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I was charged {$1900.00} for a collection that I have no idea about I have not been to any doctors or had any debts as of this year I was XXXX  from XX/XX/XXXX to XX/XX/XXXX and I know that this is not accurate I just need help fixing this is not the only thing on my credit report that is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank, XXXX, sent back several credit card payments in the XXXX of XX/XX/2023. I had money in my bank account to cover the, but XXXX kept reporting and charging me overdraft fees and sending payments back when there were deposits processing that would of meant my balance was more than high enough to cover the out going ACHs. I tried to have Capital One remove the 30 day late from my credit report and they told me no. I submitted disputes through my credit reports, and they were also sent back with no resolution. I've had my Capital One card for over five years and have never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I got an alert on my phone from Bank of America warning me of Suspicious Activity. ( see BoA 1 attachment ), and that my card was closed until the matter was addressed. I went to the website and noticed that there were three charges listed that I was unaware of ( see BoA 2 ). One charge was pending, and two others were denied. I identified those transactions as fraudulent, and that i still had possession of my card. The charges were made online and my information must have been taken from the internet. 

Bank of America credited my card for the {$250.00} temporarily ( see attachment XXXX ). It should be noted that in the upper right corner of the document, {$500.00} is listed, though I dont know why. 

In XXXX, I was issued a new card. 

In XXXX, I received a message denying my claim. ( see attachment BoA 4 ). The reasoning is that the merchant provided documentation that I received the merchandise or service. I found this odd since Im not disputing that whoever stole my credit card information received the goods they purchased. My issue is that my credit card information was stolen and used. ( The mysterious {$500.00} is also listed in the upper right corner of this letter ). 

I called Bank of America and requested that they reopen the case and that I receive a copy of the documentation used to deny my claim. They sent the documentation to me ( see BoA 5 ). The documentation lists that the purchaser had my name and email address, which I assume would be part of the banking information stolen from me when they got my credit card number. It also lists an IP address which is in the same county in which I live, but not my IP address. The documentation doesnt provide any information about the two other charges that were attempted on my card or the IP address where those were made. If they came from other parts of the globe, that would lend credence to my issue of credit card theft. Also, this charge and one of the attempted charges appear to be for gift cards, which I believe is a common thing that is purchased in credit card thefts. 

Finally, I received a message from Bank of America telling me that I will be charged for the {$250.00} and that Bank of America has contacted all the major credit reporting companies about the issue ( see BoA 6 ). I have no idea if this is standard when one appeals a decision that Bank of America makes. I am concerned that it could negatively affect my credit rating. ( Note {$500.00} is still in the upper right corner. )

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 2023-09-15 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: IL

Complaint narrative:
Reporting agencies improperly used my personal business without my consent. XXXX, Equifax and XXXX. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The company has stated and provided a letter stating that my account has been paid in full, but Experian has not removed it from my credit report after several attempts to have them so do. I have provided Experian the letter from the loan department, and it still shows up as an unpaid loan.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: NV

Complaint narrative:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: GA

Complaint narrative:
My mom 's storage unit was broken into back in 2020 and she had a file cabinet that had all of our birth certificates, ss cards and other personal documents that could not be found when we were notified of the deft. This has been preventing me from being able to move out on my own. I have tried disputing numerous times but to no avail.

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 2023-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi This complaint is in regards to my Wells Fargo Platinum Savings Account that I opened in XXXX XXXX because of 4 % promotional interest rate ( not APY ) for 3 months. As per requirements of the offer I did deposit minimum amount to my account to trigger 4 % within 15 days of transfer. I see I have not been getting 4 % interest rate ( not APY ) as promised. I called them soon after I opened my account in XXXX to confirm if the offer was applied and they confirmed that I will get 4 % for 3 months which comes out to be in excess of {$6300.00} based on the balance in my account. I would have hoped to get atleast {$2000.00} per month ( will vary depending on my daily balance ). 
Now after visiting branch they are not able to give me a clear answer or explain clearly to me on why I was not getting 4 % interest rate. Hence I request you to forward my complaint and look into it asap. Thanks for help

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 2023-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: UT

Complaint narrative:
I sold another property and my title company dispersed funds to US Bank on Monday XX/XX/XXXX from the proceeds of the saleto pay off my current HELOC balance on my primary home. Today is Friday and the loan still isn't paid down to XXXX. And probably will not be for another few days ( weekend ). The issue is on the US Bank 10-day payoff, the only options they give for payoff is to mail a check. This means that I am being charged interest every day until that loan is paid off. This is {$100.00} a day approximately. I called and spoke with XXXX today ( Friday XX/XX/XXXX ). She gave us incorrect information and suggested that the information on the payoff was correct and the only way that they could accept payment was a check being mailed. I asked to speak to a supervisor and spoke with XXXX in the XXXX office. She informed me that yes the payoff only gives the one option on their 10-day payoff. But if title only asked there are other options available. Very problematic that those options aren't clearly defined on a payoff. I let XXXX know that we asked XXXX this very question, but she gave us incorrect information and said that the only option was to mail a check. So she gave no other options. XXXX acknowledged this discrepancy and said that she will train her better. But that still does not change the fact that there isn't every option of payoff available on their 10-day payoff. And it doesn't change the fact when you call in and speak to a representative at US Bank that they are giving incorrect information. I asked XXXX if there was authority above her I could speak with. She said she was the highest authority that I could speak to. I asked if she would be crediting my account for the interest being charged. She said there would not be. I don't know what more would be a clearer definition of predatory lending than this is. That it takes 10 or so days to pay off a loan when no other options are given other than snail milling a check. So US Bank is earning extra days of interest without clearly allowing someone to pay off. This not only happened to me but I am sure this happens every day and at many other institutions. By the time the check from title is received from US Bank an additional $ XXXX {$1000.00} of interest will be collected. Policies need to be in place where a creditor allows a debtor to pay them off immediately to incur XXXX extra interest charges. I am definitely seeking reimbursement of interest charges for those extra days

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 2023-09-15 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: IL

Complaint narrative:
Equifax continues to report this alleged bankruptcy with no validation. I called the clerk of court, and they stated that the court DO NOT release bankruptcy information to anyone that is not a party to the filing or the attorney, this means that it is impossible for Equifax to validate this alleged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Dear Exter Finance LLC Customer Service Team, I hope this letter finds you well. I am writing to you as a loyal customer of Exter finance to address a recent late payment on my account and to kindly request your understanding and goodwill assistance.

I have been a satisfied customer of Exeter finance for 2 years and have always appreciated the convenience and reliability of your financial services. However, I must admit that I experienced an unexpected financial setback recently, which resulted in a late payment I fully understand the importance of making payments on time and take full responsibility for the delay in this instance. I want to assure you that this is not representative of my typical financial behavior, and I am committed to maintaining a positive payment history with Exeter finance I kindly request your consideration for goodwill assistance regarding the late payment. I am hopeful that you can help by : Removing the late payment notation from my credit report. I am going through a HCA Loan Process Ive lost over XXXX points due to the credit hit I was advised not to use my last extensions by customer service representative I have a new job position I have been out of work for months and have a 10 Month old baby. I communicated efficiently to tell my situations and made payments by borrowing from family and friends until I receive my first check I currently have XXXX  and will be returning to work with sickness just to catch up on bills Im begging please if anything can we correct my account to current for XXXX I made the payments as instructed II believe that a gesture of goodwill in this situation would demonstrate your understanding of my unique circumstances and your commitment to customer satisfaction. 

I appreciate your attention to this matter and kindly request that you review my case. Please feel free to contact me by cell phoneif you require any further information or would like to discuss this matter in detail. 

Thank you for your time and consideration. I look forward to a positive resolution and continuing my positive experiences with Exeter finance LLC Please Im begging Please I am facing homelessness from this credit impact I dont have anything else that applys on my credit report and I am desperate I do my best to make my payments before 30 days and I communicate with the customer service team please help me this once please Sincerely, Customer

Company response to consumer: Closed with explanation