vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: SC

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 : XXXXXXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, my CapitalOne was closed by the bank with my rewards money of {$220.00}. They closed my account but never sent me a check for the money that they owed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
IN ABOUT XXXX OF 2021 I CANCELLED WITH XXXX, THEY LATER TO MY SURPRISE TOLD ME I OWED THEM MONEY, I WENT IN TO THE XXXX OREGON OFFICE AND PAID IT ( EST {$350.00} ) I LATER CAME TO FIND I AM IN COLLECTIONS I HAVE CALLED TRANSUNION, THEY SAID I WOULD NEED TO SEND A PICTURE VERIFICATION DUE TO MY LOSS OF ACCOUNT/PASSWORD ..., THEY SAID IT WOULD TAKE 4-10 DAYS TO GET BACK, IT IS 14 DAYS AS OF THIS LETTER AND I HAVE EMAILED THEM AGAIN 3 TIMES OVER THE LAST 6 DAYS WITH " XXXX '' RESPONCE

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 2023-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with XXXX XXXXhree times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.

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 2023-03-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXXXXXX XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with XXXX three times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: DE

Complaint narrative:
A few months ago, I received a call from my bank asking me if I made a purchase of {$680.00}. I never use that card s they flagged it. I told them not I'm still not using this card right now. My bank XXXX XXXX blocked the transaction. I thought it was over, however 30 days later I seen a collection on my XXXX account for the same amount. So, I looked into it. The company is called XXXX XXXX XXXX. I give them a call and they looked up this account they told me someone brought a phone in New York and sent it to an address in New York. I've never lived in New York. they also said the email did not match. XXXX XXXX XXXX told me they would look into it. Next, I called the company XXXX XXXX XXXX sold this debt to which is SECURITY CREDIT SERVICES, I asked to speak to a supervisor. The woman on the phone refused to let me speak to anyone besides her. So, I believe this company might be shady as well. I then called XXXX to file a dispute. After doing all this I've locked my credit report. But I need these false collections removed because it's hurting my score. I'm not sure what more I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Three credit reporting agencies- XXXX, XXXX and XXXX are incorrectly showing my XXXX XXXX student loans as open. I applied for public service loan forgiveness and on XX/XX/XXXX, all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account . That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
DEBT IS MORE THAN 7 YEARS OLD AND TOO MANY INACCURACIES EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
A company is trying to get me to pay XXXX dollars that they claimed is from a doctor I went to in the past however I checked my account with my doctors office and I do not have that balance. They even add it to my credit report and now my credit is drop drastically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
Ran my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more on XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Was alerted through XXXX on XX/XX/23 that there was a hard inquiry to my credit report. Checked and sent that Bank of America had ran a credit check. I have no knowledge, did not provide consent, nor do I do any business with Bank of America. I immediately contacted Bank of America and spoke with XXXX who confirmed that someone filed an application using my stolen information for a XXXX XXXX XXXX. I advised XXXX that it definitely was not me and she went through the steps to dispute it on Bank of America end. I contacted all 3 credit bureaus to start the dispute process to remove the hard inquiry. This is gross negligence on Bank of America side knowing that the XXXX XXXX XXXX is a well known scamming system that steals people 's identity to fraudulently open credit cards.

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 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
On XXXX @ XXXX and XXXX there were two atm withdrawals for XXXX each from a location I have never been to. Hours later I noticed these transactions and you could imagine my heartbreaking surprise that someone left me with XXXX dollars just 2 days before my fathers birthday. I contact the bank right away and they agree to open a dispute like normal. This has happened in the past and it took months for a resolution, but it was resolved. This time it was done in days and they came to the conclusion that it was not fraudulent. Immediately I reached out again since of course this was not me and they told me the case is closed and can not be reopened without new evidence. Now I am at a loss wondering where I can find new evidence begging to speak to supervisors and managers but they seem to never be around. Now it seems like they are avoiding me and hoping that I give up on those hard earned dollars that were stolen right from under me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This letter was sent on XX/XX/XXXX. I reached out to the bank again to get a response but to no avail. 

Via FAX : ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : Interest Payment for Foreclosure Charge To Whom It May Concern : I am in receipt of Wells Fargos Cashiers Check in the amount of {$1000.00} representing the refund related to the foreclosure process that never took place on my property-. Please see attach. 
The letter states that the check includes {$940.00} for the expenses that I should not have been charged. It also states that the bank compensated me for the time when I did not have the funds of {$70.00}. I sold the house in XXXX. The foreclosure fee earned interest for 8 years ( 96 months ). I had an 8 % interest rate on my property. What was the rate of interest on {$940.00}? And when can I expect the check that represents the interest accumulated for over a 8-year ( 96 months ) period? 
Lastly, I appreciate the {$70.00} compensation, but I know that financial institutions do not compensate anyone for anything, therefore I look forward to receiving the cashiers check from you regarding the amount for the full 8 year ( 96 month ) period representing interest earned. 
Thank you for your time and consideration in this matter. 
Sincerely,

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 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX ( previous loan servicer ) has reported several late payments to my credit report on XXXX. I have requested that Aidvantage ( current servicer ) investigate the late payments and verify the accuracy of these accounts, but they have not completed a fair and complete investigation. The reason that I know this is because both XXXX and XXXX show that I have exceptional payment history ( please see attached XXXX report. XXXX file too large to attach ). I have requested that Aidvantage mail me a copy of my statements from the origination of the loan, until the most recent statement. I have not received these statements, and it has been over a month since the request was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX I disputed 2 student loan accounts that showed I had 4 late payments ; 2 late payment in XXXX and 2 in XXXX. 

I disputed these late payments with Equifax but have never heard back from them. Then in a recent review of my Equifax credit report I find that these late payments are still reflecting on my credit report. 

When I contacted the Dept of Ed they told me that I had to dispute these late payments with the credit bureaus. I did what I was told and no results!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I attempted to lift my credit freeze. Went online and was supposed to be emailed a code to verify my identity. The system never sent the email, so I called and follow the steps, when I attempted to place the date range, the automated system kept stating that I was putting in the wrong dates. 
I called and the agent acknowledge that they were having trouble with their systems. This was Friday, XX/XX/XXXX. Today is XX/XX/XXXX and it's still not working and I am about to lose out on a vehicle I am trying to purchase because my Transunion credit file is still frozen. 
Called again on XX/XX/XXXX and was told they couldn't help me. 
Please advise.

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 2023-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my account without cause in 2015 after my bankruptcy. I tried for years to correct this error with the bank. However, Wells Fargo refuse to correct or provide any relief for me. As of today, I still live in the home and pay my mortgage every month.

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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XXXX, XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect a current status to help protect the integrity of credit profile.

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