vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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 XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon looking at my Transunion Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review

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 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/23 I was sent {$600.00} on Venmo. The person sent me the money right in front of my eyes. We were standing right next to each other and he verbally agreed to send me the money. Later, he filed a dispute with Venmo claiming it was not an authorized transaction. Venmo gave him the money back with no evidence or proof whatsoever. They did not give me a chance to respond to the dispute and now they expect me to pay them. So essentially any user of Venmo could lie and say they want their money back, and Venmo will steal it from the account of their users. This company is unsafe and should not be allowed to operate if they take money out of people 's accounts with no evidence to do so. It is not safe for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
Hello, ATTENTION ATTORNEY GENERAL, the matter still hasnt been completed to success. The credit score isnt corrected, also, the deletion hasnt been given as of yet to the credit report. Previous, the deletion was stated by XXXX to be given, but, in person, online, the unscorable was displayed with the previous student loan information showing and displaying on the Experian.com site. The information was never deleted. I requested the account information to display due to the unscorable credit score displayed, the Experian representative stated there wasnt sufficient credit report information to display any credit score due to a ( n ) non activity within six months. I phoned and emailed continual contact information regarding the six month factual data of the student loan that is within the parameter within the six month time frame. The Experian.com never deleted the student loan information as stated by XXXX, that would have been a ( n ) step in the right direction for me as the consumer, instead, the information just displayed as stagnated and stale. I want the credit report to show the accurate credit score given the previous XXXX with the deductions and erasures made given the previous data of credit history. XXXX, with the {$1700.00} in collections and the XXXX hard inquires with the written off/collection of the XXXX XXXX XXXX Credit Card XXXX I had all erased and deleted. The score should be bold with credit opportunities. In addition, the student loan entirety to be deleted from my consumer credit report ( s ) as stated from the XXXX, addendum, to the amount do display consumer, when provided all details chooses the deletion of the XXXX amount owed in its entirety, total deletion of XXXX student loan. Okay. Not an unscorable. But, now with no debts, hard inquiries indicated, please indicate the new score ; where I as a ( n ) consumer, to receive credit opportunities.Okay. Lets erase the student loan XXXX and recalculate the credit score given the deductions. FAIR CREDIT ACT and all in place, okay. XX/XX/2023. 
WAS XXXX, NOW THE CREDIT SCORE... ... I.E., XXXX, etc.. CLEAN REPORT, THE XXXX STATED TO DELETE THE ENTIRE AMOUNT OWED, IN ADDITION, ALL COLLECTIONS AND HARD INQUIRIES ARE DELETED. XXXX, TO BE CORRECTED AND UP THE SCORE, THANK YOU!!! : - ) Sincerely, 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 explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to express my concern that US Bank is not being properly regulated. There appears to be incompetence, poor governance, and poor data controls.I was recently denied a mortgage ( refinance ) with the following explanation under the heading, Principal Reason for Credit Denial, " Status of Prior U.S. Bank accounts '' .This surprised me, as to the best of my recollection I briefly opened a savings account at US bank a long time ago ( I have subsequently learned from US bank employee XXXX XXXX that it was in 2012 ), to set aside some fundsfor home repairs. I then closed that account, probably after a few months. This was so long ago, I barely remember it at all. Yet apparently it was the reason for my credit to be denied.What is of even greater concern is the management of my personal data. When I attempted to find out about this account and why it caused my credit to be denied, none of theUS bank employees I contacted could find any record of my account at all. I spoke to my local branch ( where I had opened the account ) ; someone at the collections department ; XXXX who was at Customer Service headquarters ; XXXX XXXX ; and XXXX XXXX, the MortgageOperations Manager in Missouri. XXXX XXXX contacted the underwriter to inquire on my behalf, but got no information. Eventually his boss, XXXX XXXX, was able to find out that the account was from 2012, but could gather no further information as to how or why this influenced my credit denial. Each of these representatives of US Bank indicated to me that they had never before heard of asimilar situation.I am deeply troubled as to how and why the underwriter has access to account information from more than 10 years ago, that nobody from the bank appears to know anything about, and that I myself am unable to access. Where are my records, and who has access to them? Finally, it seems like negligence to me, that after US Bank approached me to offer me this mortgage, they did not contact me to notify me of the denial. All of the loan officers I dealtwith disappeared, and failed to respond to my attempts to contact them. I eventually found someone else at US Bank who was able to investigate, and he informed me that the loan had been denied -- this was subsequently confirmed via a denial letter. Surely this violates the basic principles of good governance for a financial 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 2023-06-06 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: TX

Complaint narrative:
1 told the XXXX, Transunion, to reinvestigate these accounts : Account name : Office of attorney Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-06 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: FL

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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 2023-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX ( XXXX ) billed my insurance for services rendered in XXXX of XXXX. It was denied because XXXX included information indicating that the injury was part of an accident and my insurance carrier rejected the claim because they thought it was an auto accident. 

XXXX sent the {$770.00} claim to collection, Kansas Counselors Inc ( KCI ), in XXXX of XXXX. KCI called me in XXXX and I told them it should be covered under insurance. I called the insurance company and XXXX and got the miscommunication cleared up, XXXX adjusted my account balance to reflect the insurance payment. 

KCI called me again each month from XXXX through roughly XXXX and I told them each time that it was paid by insurance and their balance is wrong. The final time KCI called I asked them to only deal in writing and to send me a debt validation and verification letter with a full detail of the account balance from XXXX because their information is wrong. They did not send me the information I requested. 

XXXX of XXXX KCI reported a {$770.00} collection to my three credit reports. I disputed the amount and KCI responded that the information was accurate. 

I spoke with XXXX on Friday XX/XX/XXXX and discovered the account was paid by XXXX XXXX, leaving only a copay due to {$190.00}. I spoke with KCI on Monday XX/XX/XXXX and informed them of the correct balance, they refused to contact XXXX for updates and will not remove the item from my credit report. I have offered to pay both XXXX and KCI the correct amount but they can not get it clear d up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
All prior month and lastly XX/XX/XXXX Balance on XXXX XXXX was reported to all credit agencies including Transunion. 
Transunion had been reporting the correct balance up until XX/XX/XXXX of {$5000.00} Transunion then reported the new updated balance of {$220.00} on XX/XX/XXXX Transunion on XX/XX/XXXX removed the XX/XX/XXXX correct balance which then dropped my credit score by XXXX points I called on XX/XX/XXXX to file a dispute, called again on XX/XX/XXXX to check the status and was told they do not have a dispute for me. 
Filed another dispute of the balance on XX/XX/XXXX stating the balance is incorrect with XXXX XXXX. 
I contacted the creditor XXXX XXXX on XX/XX/XXXX and they have provided the balance to Transunion every month, XXXX, XXXX and XXXX but they have refused to update the correct balance. 
As of now, their investigation is completed and they still have not corrected the balance with XXXX XXXX which should be {$290.00} and not {$5000.00} as they have listed.

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 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: GA

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 This account is showing inaccurate 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 2023-06-06 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: EQUIFAX, INC.
State: GA

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 This account is showing inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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:
This account was reported as identity fraud and it was sold from XXXX  XXXX when acct charged off to XXXX XXXX back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the Equifax and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to express my deep dissatisfaction with the service and lack of information provided by US Bank and travel insurance department regarding my recent claim for flight ticket reimbursement. I believe that the handling of my case was highly unprofessional and did not meet the expected standards of customer service. 

On XX/XX/2023, I made a payment of {$690.00} for flight tickets scheduled for an XX/XX/XXXX trip to XXXX XXXX. Unfortunately, on XX/XX/XXXX, my child fell ill and developed a fever. Realizing that we would be unable to travel, I promptly contacted US Bank customer service on the same day to inquire about travel insurance coverage. Regrettably, I was transferred multiple times, and none of the representatives I spoke to were able to provide clear information regarding the policy or the necessary steps for filing a claim. After enduring this frustrating experience for two hours, I reluctantly gave up. 

As my child 's condition did not improve by XX/XX/XXXX, we were unable to make the trip, resulting in the cancellation of our tickets. Determined to pursue my claim, I made another attempt to contact your travel insurance department and was eventually transferred to a phone number associated with Visa. However, all I reached was a message box, where I left a detailed message explaining my situation. 

On XX/XX/2023, I missed a call from the visa insurance company. Upon returning the call, I encountered the same message box and received no call back despite leaving my contact information. Frustrated by the lack of response, I took it upon myself to follow up on my case after a week had passed. It was only then that I managed to find a link online to file my claim. However, my claim was subsequently denied due to the absence of a doctor 's statement. 

While I understand that my claim was denied in accordance with the policy, I fail to comprehend why US Bank and the travel insurance department failed to provide clear information regarding the policy for over ten days. It is disheartening to see that your institution denied a customer 's claim based on a seemingly undisclosed policy. As a loyal customer, I expected transparency and prompt assistance in understanding the terms and conditions of the insurance coverage. 

I kindly request a thorough investigation into this matter and a reconsideration of my claim based on the circumstances outlined above. Additionally, I urge us bank to review your customer service protocols and ensure that the representatives possess the necessary knowledge and resources to handle inquiries related to travel insurance. It is imperative that customers feel supported and informed when seeking assistance in situations like mine.

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 2023-06-06 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 XXXX  Acoount # 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