vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: GA

Complaint narrative:
Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted Experian, XXXX and XXXX of the invalid address on my profile and is not a correct location. Experian has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to Experian, XXXX, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.

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 2022-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
When I closed my mortgage in 2014 at a local bank here I was required to have PMI -private mortgage insurance. I have heard and read in countless places that this insurance is only required until a certain Loan to Value is reached, which I believe I reached a while back I am easily below 80 % ( XXXX estimate puts my LTV at 60 % ) and I have no additional liens. but here is the thing : I have called US bank multiple times over the years about it and Ive been told that I must pay PMI over the entire life of the loan because it was shown in an amortization schedule. I cant find in my loan docs any really clear specifics about PMI, and I was never told the presence of the amortization schedule was a guarantee of payment over the entire life of the loan, and since Ive seen legal thresholds observed elsewhere, I am concerned my money is being taken inappropriately. I dont want to pay the ~ {$60.00} a month when all of my friends and family in similar situations say their mortgage companies dropped it. Can someone please look at canceling the PMI, and providing a refund for the overcharged amounts? I know US Bank is one of the biggest banks in the country, and this practice feels like a serious UDAAP violation.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
Received a Target RedCard in the mail that I had not applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: AL

Complaint narrative:
15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXXXXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .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 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing 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 USC 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 a reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had an XXXX XXXX XXXX for years and used this card very often when planning and booking trips. In XXXX, XXXX, I booked a trip to South Carolina for travel in XXXX, XXXX, for my Husband and I through XXXX and charged my airline tickets on my XXXX XXXX. Shortly after the purchase, I received notice that the XXXX XXXX XXXX was going to be discontinued and that would mean my XXXX XXXX XXXX would be closed and a new XXXX XXXX would replace it and any balance on the XXXX XXXX would be transferred to the new XXXX XXXX. However, I had a XXXX balance so obviously no balance was transferred. We went on our trip in XXXX, XXXX. However, due to a cancellation of flights, XXXX XXXX refunded a portion of our airfare. When speaking to XXXX XXXX, they said they would only refund my money to the original form of payment which was my XXXX XXXX which, by then, was closed. My refund was completed on XX/XX/XXXX. A few weeks later, I called the number on the back of my new Comenity card to find out why the refund was not credited to my account. Through the months ( going on 4 months ), I've spoken to at least 8 customer service representatives and 4 or 5 supervisors ( some very rude ) but NO ONE could help. They all said they would put through a " dispute request '' when several were already. The supervisors I spoke to saw the charge I made in XXXX on my XXXX card but can't find the refund. On one call the representative asked if I could upload supporting documentation of the airline 's refund which I did while on the phone with her.

The amount of a refund of {$680.00} that is suppose to be credited to my new XXXX XXXX. 

If you would like to discuss this further or need additional information, you can reply to my email or contact me on my cell phone at ( XXXX ) XXXX. 

I look forward to hearing from you and a quick resolution in this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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: TX

Complaint narrative:
15 USC 1681 section 602 states I have 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 1692 C says that if a report has been made, accounts must be removed.

According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : 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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm writing this letter to file a formal complaint regarding on misleading information on my credit file. One mistake that is really noticeable is the CAPITAL ONE that was opened on XXXX XXXX and has a balance of {$920.00}. I did not open or apply for a credit card. THIS IS NOT BELONG TO ME, this should not be reported on my credit report. I believe that there is a fraudulent activity happen to my credit file. I'm done reaching the three national credit bureaus XXXX, XXXX and XXXX and also, I already filed an FTC affidavit. I am a victim of identity theft. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
My car was repossessed XX/XX/22 - nobody reached out to collect debt. My payment date was not until today ( XX/XX/22 ) they did not allow me to the full day to make the payment. My car was taken, and they did not alert the police, so I thought my car was stolen all morning until I decided to call them. I know the company has been flagged before ( XXXX XXXX AND XXXX ) for fraud. I have reached out to my car dealership via mail about my contract as well no answer. I did speak with someone over the phone about filing a dispute for wrongful repo and told them I would be filing a complaint for my car being illegally seized and my information being given to a 3rd party without my permission ( towing company ). When the supervisor ( XXXX XXXX ) called me back, she said she would not dispute it because they haven't done anything wrong. No information was given on where to get my car from either they only gave me information to get my personal items. A neighbor told me later on in the day that my car was snatched open earlier in the morning and drug down the street, so I also have concerned about the state my car is in as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have tried fixing this issue with all three bureaus on this account because Account status reports as closed with a balance of {$2.00}, XXXX. Date last reported along with date last active has been re-aged. Payment history is reporting data by XXXX and XXXX yet missing data on date of last payment. I have not received any document stating that account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. This account is reported as close with a balance yet account is still reporting payments on payment history after account is closed this is not possible I previously wrote to bureaus asking to verify or delete immediately because account is reporting incorrectly. There is no way that account can be closed and yet reporting payments on a dead account.

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 2022-10-19 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: TX

Complaint narrative:
15 USC 1681 section 602 states I have 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 1692 C says that if a report has been made, accounts must be removed. 

According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : 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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/2022, i was alerted by my sister that {$1000.00} was withdrawn from our joint account with N.C. State Employee Credit Union. After looking for more suspicious activity, I discovered that several thousand dollars had been fraudulently transferred electronically over several months across all 4 of my accounts ( my personal checking, savings, my joint checking, joint savings ). This was done using account and routing numbers. No debit card activity detected.

my credit union told me that because it happened over 60 days ago, there was nothing they could do. they gave me an affidavit to bring to file police report. I closed all four accounts and opened up four new accounts. the police detective has been trying to reach the credit union to get transaction details, including bank transfered to, computer IP addresses, etc, but the credit union will not cooperate. They tell both the detective and I that they do not have this information. I have lost $ XXXX. 
i closed all 4 of my accounts that have been compromised and opened up new accounts. in the past month of opening the new accounts, the same fraudulent activity has occured and I have lost an additional $ XXXX. The bank is filing a charge dispute because it is within 60 days, but I was never alerted of new suspicious activity on my account. 
I have now lost $ XXXX in my credit union and can not get any details as to where the transfers are being deposited. This is what the police detectives are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Chex Systems is still reporting the following 2 fraudulent checking accounts internally and secretly to banks and credit unions, but constantly informing me that the 2 fraudulent checking accounts is not listed or showing on my Chex Systems Consumer Report # : XXXX, the 2 fraudulent accounts are from XXXXXXXX XXXX for {$5500.00} and XXXX XXXX XXXX  for {$980.00}. I have never opened or had a checking account with XXXX XXXX  or XXXX XXXX XXXX. The 2 checking accounts are fraudulent checking accounts.

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 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MN

Complaint narrative:
I have been attempting to get {$10000.00} from a loan that I already paid to Edfinancial Services refunded to me. I called to request this refund on XX/XX/2022 and was told that my refund was being processed and that I would see the money added back onto my balance shortly. As of today ( XX/XX/2022 ) I had not received any correspondence from Edfinancial Services, so I called to check on the status of the refund. I was now told that they could not give me a date or even an estimated date of refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I authorize only for one company to run my credit report for a car, and mortgage. And its more than one on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: TN

Complaint narrative:
I authorize only for one company to run my credit report for a car, and mortgage. And its more than one 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 2022-10-19 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: OK

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Has violated my rights.

15 U.S.C. 1681 SECTION 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: OK

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Sequium Asset Solutions , LLC, on behalf of XXXX XXXX XXXX, is trying to collect {$190.00} since XX/XX/2022 in services not received from the original account, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: AL

Complaint narrative:
15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number 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 XXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .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 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing 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 USC 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 a reasonable cause to believe 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