vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
So I sent a letter XX/XX/ here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a right to Privacy. Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. These are clear violations of my my Federally protected consumer rights.

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 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I'm filing this report because I am a victim of fraud. Someone named XXXX XXXX, owner of XXXX XXXX XXXX and The XXXX XXXX has scammed me and many other people claiming he would find us a winning XXXX product within XXXX weeks. I signed a contract and paid him {$30000.00} in XXXX of XXXX to find me a winning product and {$6000.00} in XXXX to get the products manufactured and he still has not provided me with the products or services. I am going to take him to court but I wanted to file a police report and FTC report first. I have all documentation, and emails with communication from him. There is a group of other people he has scammed for {$30000.00} also. I have all of their contact information. I paid this company through wire transfer with my bank Navy Federal Credit Union. I reported the fraud to my bank but I was told it was nothing they can do to help. Below is the scammers business address which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was trying to pay my bill online. I had been late on a payment because Im on XXXX leave and havent gotten paid by XXXX. When I pulled up my statements, I noticed that Capital One does not show your past due & current due as separate amounts. It made it extremely hard to find out what amount is past due and can cause you to have a XXXX day late if your payment is not enough. Every other XXXX of my credit card bills shows what was past due and what is currently due on XXXX separate lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Card Services Has lied about validation of the debt in question. and have violated my rights. 

They claim they validated the debt but has refused to send name of the company they used to validate the debt. 

And has maliciously, purposely withheld the information requested one being the original signatures which they cant provide because the account does not exist. as you heard the phone call.

And two the name of the company who validated the debt. 


This is really bad and sad. 
this account should be deleted.

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 2022-12-16 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: NY

Complaint narrative:
I sent a certified dispute letter to LexisNexis, that they received XX/XX/2022. This dispute letter included copys of my Driver ID and a copy of my social security card. I received a letter from them on XX/XX/XXXX telling me they could not verify my identity. I then call LexisNexis and I was informed that letter was a mistake and they were able to start the dispute. I have not received any correspondence from them, so I call today XX/XX/2022. I get told there is nothing on file of any certified letter for a dispute. I mention I'll file a complaint with the CFPB and then the rep just so happens to find my certified dispute letter and then informs me the other forms with copys of my Driver ID and copy of my social security card are missing. The LexisNexis rep then informs me NO dispute was ever filed and that now they will since I stated I file a complaint with the CFPB. The fair credit reporting act, states they have 30days from the time a dispute is filed to investigate and reply back to the consumer. They have NOT done that. They can not just misplace copys of consumers ID numbers and social security cards. They can NOT take a certified dispute letter and hold onto it for a month and then only after getting multiple phone calls finally decide to submit that certified dispute letter to go through the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Mastercard Credit Card has not reported to the Credit Bureau since XXXX XXXX. If a balance was due then, it still is showing 6 months later. This is not acceptable. 
I have been in touch with them several times and keep hearing it will be corrected. It has not been corrected. 

Credit is so important!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 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: GA

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

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : 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 : 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 2022-12-16 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: PA

Complaint narrative:
Got an e-mail in XX/XX/2022 about an account being opened for me at Bank of America. I called that day to report and spoke with their fraud department. They said they would investigate and that it would be closed. I kept getting bank statements monthly. No transactions. I called again around XXXX and went through the same process. Claimed the same thing would happen. Now today I got yet another statement that the account is opened. I XXXX  to see if others have had this happen and saw someone referred to CFPB.

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX account XXXX In accordance with the Fair Credit Reporting act XXXX  Account 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 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 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 2022-12-16 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX account XXXX 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 15 U.S.C 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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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. 
MO CHILD SUPPORT XXXX. MO CHILD SUPPORT XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 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 2022-12-16 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: MO

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. 
MO CHILD SUPPORT XXXX. MO CHILD SUPPORT XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 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 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I am trying to get PMI taken off of my house. I sent the print off that Caliber sent me on XXXX XXXX/I overnighted it. I included a check for an appraisal and all of the improvements I have made on my home. Keep in mind, the paper I mailed back to them is the one they sent me when I inquired about PMI removal. After hearing nothing back, I opened a case with XXXX Caliber mailed me a blank paper just like the one I filled out. I filled this one out and sent it in again. I didn't hear from them for a week or 2 and then I received a check from them for the same amount as the one they cashed of mine originally. I kept receiving random letters from them, then I got one saying under Federal Rules, my improvements didn't apply. I did my research and this was incorrect, additionally, they never even sent anyone out so they wouldn't know. Days after this, I receive another letter asking me to send a check for an appraisal but this letter has a higher price than the first XXXX. The first letter they sent me asked for {$150.00}, and now this one is asking for over {$400.00}. It seems like they are doing everything they can to make this difficult and not allow me to remove PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I reached out to the debt collector today XX/XX/XXXX and asked about the debt. This creditor has refused to provide to me with information about the debt and advised me to 'XXXX  XXXX the name of the original creditor to find out who filed the debt under my name. I was told this by the first rep today. I called back and spoke to someone named XXXX who introduced herself as an account XXXX. 

The creditor has also been abrasive with me and tried to bully me into paying the debt without me having any information about it. XXXX also could not advise to me on what to do in this situation now that it has been established that it should have not been reported to collections to begin with. I never received the bill. She tried to pressure me to still pay it by asking for a credit card and other payments. 

I XXXX  the name of the original credit ( doctors office ) since XXXX XXXX refused to provide this information and called them regarding the debt. They advised me when notices were sent in XXXX, once in XXXX and that nothing additional was sent afterwards. The documents they provided to me contained incorrection information. The address provided, I have never lived. 

I advised the debt collection agency, XXXX XXXX XXXX that I should have never been reported to them under a debt to collect. The agent, continued to try to bully me into paying and refused to provide guidance on steps to properly dispute bills being sent to the wrong people with a different address on file, with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: VA

Complaint narrative:
i want monetary remedy from credit karma monetary damage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : 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 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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
The debt was charged off by XXXX XXXX XXXX in XXXX and now there suing me for something that according to the IRS a 1099C must be filed and send a copy when they do so for a debt of {$600.00} or more as a canceled debt. This came from the IRS Publication XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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:
I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.

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 2022-12-16 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: TX

Complaint narrative:
XXXX XXXX Account number XXXX Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP and send me a copy of my credit report Sincerely, 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal please remove from credit asap

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law 15 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.

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 2022-12-16 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 — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I applied for an Apple card thru Goldman Sachs. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found Goldman Sachs had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called Goldman Sachs ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers apple ID. this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at Goldman Sachs reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.

Company response to consumer: Closed with non-monetary relief