vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: MI

Complaint narrative:
I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: MI

Complaint narrative:
I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.

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 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello officer, my name is XXXX XXXX, my problem is on XX/XX/2021, I went to my local US bank branch to open a business checking account, and at that time they have an offer for {$300.00}, and I will attach the picture of the offer in the bottom, I open the account with the code : XXXX deposit XXXX and keep it until now open the US bank mobile bank the same day XX/XX/2021 after waiting for several days and I haven't received the bonus yet, I went to the branch and the same person who help me said that I still need to wait, and I wait for two more months and ask again, he said that he will help me to claim but still not any response, and couple days ago, I try to call them, and was told that because my money was XXXX transfer into my account, therefore, I am not eligible for that offer, first, in the offer page, they did not require the deposit way of money, second, I open the account in the branch if the XXXX is not eligible for this offer, I believe the banker is supposed to informing me, last, the first time I went to the branch to ask why I did not receive the bones after I open the account, and the same banker help me check it but did not say anything, I mean at that time if he told me that the XXXX is not eligble for the bonus, I will deposit cash instead, therefore, I believe they should give me that bonus.

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 2022-06-05 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:
XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. 

Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. 

The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' They must File a 1099-C for any debt that is canceled over {$600.00} dollars, but i never received this form. Also, if done correctly, they can not report debt to a consumer report because that is a transaction between the creditor and myself.

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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. 

Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. 

The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' They must File a 1099-C for any debt that is canceled over {$600.00} dollars, but i never received this form. Also, if done correctly, they can not report debt to a consumer report because that is a transaction between the creditor and myself.

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 2022-06-05 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: IL

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. 

XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXXXXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXXXXXX BANKXX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

XXXX XXXX, has violated my rights. 

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

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

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any 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 2022-06-05 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: CA

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

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 2022-06-05 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: VA

Complaint narrative:
I received a email from chime and they said my card was lock for fraudulent activity at XXXX on XX/XX/XXXX then a hour later I received another email stating my phone number and email was updated so I tried to log in my account and I was lock out so I called chime I had to verify my identity by sending picture of myself holding my drivers license and paper with the date and my signature after that they reset all my information and I was able to log back in my account and thats when I saw that it was XXXX transactions made to a XXXX XXXX one was for XXXX and the other was for XXXX I couldnt dispute it until it cleared and it cleared Saturday morning so thats when I did my dispute and this afternoon they claim they didnt see no foul play and claim I cant get my money back I sent emails and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: Independent Dealers' Advantage, LLC
State: DE

Complaint narrative:
I believe I lost my wallet where I held all my important information like id and social security card and etc. Ever since losing my wallet, I've notice unauthorized activity on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: KY

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. XXXX 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 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 2022-06-05 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: KY

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. XXXX 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 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 2022-06-05 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:
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. 

XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXX XXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

XXXX XXXX, has violated my rights. 

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

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

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any 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 2022-06-05 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:
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. 

XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXXXXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXXXXXX BANKXX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

XXXX XXXX, has violated my rights. 

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

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

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any 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 explanation
Consumer complaint received 2022-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account Capital one 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 a 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 explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CCM Finance LLC
State: LA

Complaint narrative:
XX/XX/XXXX I purchased a vehicle under the impression my down-payment was XXXX. With a bi weekly XXXX. I was at the dealership earlier that day to meet a person that was advertising XXXX XXXX XXXX on XXXX by the name XXXX XXXX and informed him I only had XXXX to put down on the vehicle. He wasn't when I made it but told me to ask for XXXX. After looking around a different car she give me the price XXXX XXXX XXXX  XXXX down-payment and XXXX a month. I deny the offer and left. I contacted XXXX XXXX and told him what happened and he told me he gon na work the deal told me to come back he got my down-payment to XXXX and he would put the other XXXX made it back XXXX minutes before closing so everybody i rushing. Give them my down-payment XXXX informed me that I was still getting the same vehicle and the same bi-weekly payment and to speed up the process I'm guessing she told me I didn't have to read the paper work because it's everything she explains early only thing change was my down-payment amount. But 2 week later I got a call about the remaining balance of down-payment for XXXX and XXXX i think for insurance that only coverage is for the car. Which that wasn't explained and I only found out after getting into a accident with my kids 3 days after making the purchase of the car. Looking over my agreement I noticed they fraudulent my home address without telling me but advertised they financial to louisiana residents so why did they use a fake address is confusing so with everything that I just felt that they was full of scams and didn't make a payment now the car has been repo but don't wan na tell me when to go to get my stuff give me a number that go straight to voice mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
BSI Financial bought my mortgage from XXXX XXXXXXXX during a loan modification in XXXX. I was told that my 1st payment to BSI was not due until XXXX. I was told that it could take 30 to 60 days for BSI Financials system to catch up and report everything properly. I was told that during this time that nothing would be reported to the credit bureaus. On XX/XX/XXXX. XXXX reported me as being 120+ days late. I am now being ignored by BSI and have even reached out to the customer care team and spoke with the office of the president. I was told that I would receive a call back within 48 hours.That call should have happened on Friday the XXXX of XXXX. I have made all the proper payments to BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX has violated my rights, XXXX XXXX  XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : XXXX XXXX  - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : XXXX XXXX XXXX XXXX - has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my credit reports.

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