vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax reports limited credit experiance on reporting due to which i am not able to get the requred loans for my personal and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NY

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 A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX 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 2023-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I had noticed that my account with BSI Financial was being charged an fee of XXXX daily since XX/XX/2022. When I spoke with a representative, they told me that the fees where default interest. I then asked was my account missing payments or was I behind. The representative told me no my ACH is in automatic payment and they pull from the account on the XXXX and the XXXX of every month. I then asked how I am receiving default interest on the account if its not in default? The representative then said that is a good question and flagged my account for review no action was taken so I called again, and I was told the same thing by a supervisor who referred me to my promissory note and the default interest clause which had nothing to do with the relevance of our conversation. No one could seem to provide me an answer to why was I being charged for a fee with default interest daily. All calls where recorded and after seeking no help I reached out to the loan XXXX who helped orchestrate the loan and he also spoke with BSI Financial on this matter in where he discovered that they were using predatory lending practices against me. No resolution was found, and they refused to help me and told me to seek legal counsel for this matter. The month XXXX is XXXX. The account is at has XXXX in default interest fees since XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My CitiBank XXXX XXXX ending in XXXX was charged with {$3000.00} worth of fraudulent charges from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The dates of fraudulent charges were between XX/XX/2022 - XX/XX/2022. I did not initially notice the charges because I pay my credit card bill via auto-pay. However, when my balance was so high, I became alarmed and upon researching, saw multiple fraudulent charges over a few months. I contacted CitiBank immediately and that card was then closed. Citi stated that they would open an investigation. I never heard anything regarding the outcome and this was about 6 months ago! One day in XX/XX/2022, I called Citi again, they sent me a letter stating that the investigation was opened and that is the last I heard from them. Today when I called XXXX, they said my claim was closed/denied because they could not reach me. I find that hard to believe because I have been WAITING to hear from them! That's why I called them again! In addition, I have had the same phone number for 40 years! My address has changed, but I have my mail forwarded via the XXXX. I do not believe them when they say they could not connect with me and therefore, " denied '' my claim. I have email mail. It all sounds too convenient for them to say, " we could not connect with you so we denied your claim. '' I'd LOVE to speak/connect with them to get this handled once and for all! On an other note : Upon looking at my statement, it can easily be seen that charges were made simultaneously in XXXX XXXX AND XXXX  on the same day - how could I possibly be in 2 places on the same day on opposite sides of the country?! No, I did not lose my card. Yes, I am willing to file a police report if necessary. All the while I am accumulating interest fees and my credit is affected by this as well. Today I called again and after 45 minutes of phone XXXX with ignorant people, Citi claimed they will re-open my fraud investigation. I do not trust Citi to help me or do the right thing because they have not in all these months! PLEASE help me!

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 2023-01-16 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:
XX/XX/XXXX Experian received and signed for my certified information which included a copy of my GA state DLs showing my DOB. For the past 4 months Ive been declined for products and services with the reason unverifiable this is due to Experian only having my year of birth ( XXXX ) showing on my consumer report. This has caused not only embarrassment but monetary losses as well with financial institutions not located in my area. Flight fees to have to go verify my identity. It is against the law to provide incorrect and/or incomplete information on my consumer 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 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I entered into a consumer credit transaction with Westlake financial services XX/XX/2021. I extended my credit and authorized a the a promissary note with my name and signature which secured my payment in full through the finance charge. XXXX XXXX XXXX then gave me a repurchase agreement contract and never disclosed they had a security XXXX in my property which is a violation per 15 usc 1692j false and deceptive forms. They then sold my my own loan back to me and charged me XXXX. not only that they are taking cash with credit transactions. I paid a down payment of {$6000.00} and monthly payments of {$320.00} which is a vialtion of my consumer rights per XXXX XXXX code XXXX ( b ). The finance charge is the sum of all charges and It does not include any charge of a type payable in a comparable cash transaction. The cost of consumer credit as a dollar amount per XXXX Finance charge. They never fully disclosed the information to me. Also according to the Ohio attorney general they where supposed to give me my title at the time of sale or within XXXX days of the purchase. Ohio Revised Code ( ORC ) Section 4505.181 and ORC 1345.52. i was never informed I had the right to rescind and this is a violation per 15 is code 1635.. I also sent the a letter of recission and have not got a response back from them.

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 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-01-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
- There was a XXXX ( utility ) account set up in my name in XXXX for an apartment unit in XXXX XXXX, XXXX. 

- I never moved into this apartment -- see proof attached - XXXX never notifies me that there is a charge on my account, for roughly {$73.00}. I do not know about this account until XXXX when my wife and I have our credit checked to purchase a new home in XXXX, XXXX  - For context, I was a XXXX customer for another address from XXXX - XXXX and XXXX never reached out once to notify me of any outstanding charge. 

- I've reached out to XXXX in order to ask them why they never notified me, even as an existing customer, to notify me of this account with an outstanding balance and I was simply told that " it was not their responsibility '' - I've even asked them to remove the collections account from the credit bureaus if I pay the debt and they refuse to do so, despite this collections account negatively impacting my credit score to the point that my family may not be able to purchase our new home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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:
The consumer reporting agencies have my name, address and employer listed incorrectly. I have enclosed a copy of my driver 's license which shows my name and address. 
See attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. I filed an arbitration case against Portfolio, which is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. 

So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the proof of the filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2023 at XXXX XXXX  I started receiving emails from Bank of America stating I needed to verify my email, that my online application was in process, I was enrolled in mobile banking, and lastly that my application was approved. 

To be clear, I do not have a Bank of America account at all. 

Anyway, then I went to the login to see if I could do forget password to see WHO was trying to use this account. I did forgot password which asked for the last six of this new account. I had that in one of the emails and then it asked for your SS #. I used mine and it worked to get me to the request a auth code to your phone number. The number was not mine. I then called Bank of America and closed this account as I did not make it and someone is using my information.

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 2023-01-16 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:
On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX. Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX  late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.

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 2023-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
Debt collection for a phony and non-existent medical bill by " The Law Offices of Mitchell D. Bluhm and Associates, LLC Attorneys at Law '', claiming that we had radiology services on XXXX XX/XX/2021 for {$1400.00}. All false, we had no appointment on or around that date for any medical services whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2023, I applied for a new credit card based on the following welcome offer : {$200.00} Rewards 1.5 % cash back Intro APR Purchases : 0 % intro on purchases for 15 months Balance Transfers : 0 % intro on balance transfers for 15 months Regular APR 19.24 % - 29.24 % ( Variable ) CREDIT SCORE : Good/Excellent ( XXXX ) More specifically, I applied because I wanted the balance transfer of 0 % APR for 15 months ; however, the Capital One stated the following : There are currently no Balance Transfer offers available on your account. If you recently received an email offer, this means you were eligible at the time you were selected to receive the email. However, eligibility for offers change from time to time, based on a large number of factors. Unfortunately, we are unable to provide specifics on which factors may have changed. Please note : If this is a new account, offers may appear after the account is at least 11 days old.

Again, I applied for the credit card based on the offer of balance transfer of 0 % APR for 15 months which is now not being offered to me which is deceptive, unfair and abusive. Now my credit score will be affected due to applying for a offer that was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: 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. 

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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All have 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 XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: MI

Complaint narrative:
Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with TransUnion. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting XXXX percent accurate. I see so many errors which is a FCRA violation JPMCB Card Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section XXXX Violation misleading false reporting on my credit report CBNA Account Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove from 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