vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I tried to open US Bank- Smartly Checking account following a promotion. But my application was denied for no specific reason.

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 2023-03-07 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  has violated my rights. Or list of inquiries 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 2023-03-07 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 XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2023-03-07 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: NY

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: AL

Complaint narrative:
In according with the FCRA, list of accounts below has violated my FEDERALLY PROTECTED CONSUMER RIGHTS 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 

15 U.SC. 1681 602 A. States that 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 EXCEPT as authorized under subsection ( b ) of this section, 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. 

A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2023-03-07 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 XXXX, ( account XXXX Paradigm assets recovery ) 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Gift Card has a {$75.00} balance that has never been used - card says valid thru XX/XX/22. Attempted to get a new card reissued, as this card was prepaid, and never used.

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 2023-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/2023, I received a notification from my credit report that my loan balance had increased by {$480.00} with American Education Services ( AES ). I have reached out to them before because these unexpected fees just show up without any reasoning behind it. My payments are automatically withdrawn every month on the due date and hasn't been late in years. I truly believe these loans are set up so that you never truly pay them off. As of today, I have already paid over the amount that was initially borrowed years ago, with half being allocated to interest alone. I believe this is a sophisticated way to create fraud without anyone recognizing it. Any correspondence received is very simple with no true understanding of why my balance keeps increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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  has violated my rights. Or list of inquiries 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 2023-03-07 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/23, I received a notification from XXXX that a new inquiry ( hard pull ) of my credit was requested by several banks ( XXXX, XXXX, and Bank of America ). I reached out to XXXX & XXXX, and their teams promptly addressed my issue and resolved it in less than 1 call. 

That same afternoon I called the B of A number listed as the contact on the inquiry and waited on hold for 20 mins. I gave up and called back on XXXX, finally reaching a representative that couldn't help but instead transferred me to their fraud team. The fraud team could not locate anything and returned me to the applications team. I was again on hold for another 15 mins waiting for someone to pick up. The representative was still unable to locate the application after several minutes, saying she needed a zip code and ssn to pull up any application. I let her know a fraudster could have given 1 of over 40k zip codes in the US. I then asked to speak with a supervisor, and she repeated the same line of questioning from the initial representative and then offered to transfer me to fraud which I had already talked with. 

Eventually, she said she would have to escalate this to a special team, and it would take 48 business hours for me to receive a phone call. In this day in age of identity theft, for one of the 4 biggest banks in this country to have this broken process of reporting identity theft is baffling.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I inquired about the cost of a new roof for a home I was wanting to buy in XXXX XXXX, FL. The roof had to be replaced before insurance would accept it. I contacted XXXX XXXX XXXX and the sent a " drone '' over the home and gave me an estimate, { in person } for XXXX. I told the gentleman that I did NOT own the home and was looking for prices at that time. He in turn told me in order to honor that estimate, I needed to sign it, which I did. This company turned around and sent a application { that neither myself nor my wife signed } to Wells Fargo and they approved a " Home Projects Card '' in both or our names for the paperwork the roofing company sent them. This home was the only one that we could afford at that time. People were paying XXXX - XXXX over list price which we could not afford. XXXX XXXX XXXX showed up to install the roof and over charged for materials they never used. The credit card had NOT been activated and was rejected by myself which the roofing company was not paid. I argued with Wells Fargo about the unauthorized application and they just ignored me and my attorney. The card was not activated until quite some time afterwards only due to the roofing company putting a lien on my home. They had to be paid before the lien was lifted. I have doc 's and paperwork. 
I asked Wells Fargo to rewrite the loan and remove the card because it destroyed my credit rating due to 98 % usage. This card and / account was not authorized by 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 non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I initiated a dispute with the company against the debt claim. This debt is not mine and it is past the statute of limitations. It is an old claim

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
these CRAs are continuing to violate my consumer rights and willfully breaking the law. they are completely refusing to uphold their lawful duties. section 623 is extremely clear about the duties and responsibilities of CRAs and data furnishers.

1. They are not absolved from lawful duties outlined in 623 by litigation.

2. the fcra does not say they can continue to harm me by reporting false or fraudulent data.

3.they can not continue to violate my rights by reporting me as deceased.

4. they can not open and close my accounts at random an without consent. 
5.they can not send harassing letters to " the estate of XXXX XXXX ''. they can not add experiences or transactions to my report. 
6.they can not take more than 30 days to investigate this clear willful and negligent misuse of my data. 
7. they can not continue to violate the entire FCRA FDCPA ETFA and my 4th amendment 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 explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: NC

Complaint narrative:
We purchased our home XX/XX/2022 using a conventional loan with waived escrow ( all taxes and insurance were paid from closing ) from Highlands Residential Mortgage. Highlands then immediately sold our loan to XXXX XXXX. Highlands received a payment from XXXX XXXX at acquisition of our loan for {$600.00} for a charge Highlands claimed to have paid on our behalf that was, in fact, non-existent and possibly fraudulent. It is our understanding that XXXX XXXX will not vacate the charge from our loan until it has been paid back. At this time they are collecting it as a debt from us, when in fact, it was a fraudulent charge placed against our loan by Highlands Residential Mortgage. Highlands needs to make payment to XXXX XXXX for the {$600.00} they were paid under false pretenses before XXXX XXXX will remove it from our loan and reimburse the amount we have had to pay towards it in order to keep our loan current and in good standing. It has been over a full billing cycle since we have brought this to Highlands Residential Mortgage 's attention with no resolution. We have only received claims of needing more time, escalation, etc. but again, no resolution. XXXX XXXX refuses to vacate the amount from our account and we are having to make monthly payments via a new escrow with negative balance with XXXX XXXX for a credit from Highlands we did not receive. We have confirmed with all parties involved ; closing attorney, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that all taxes and insurance were paid from closing funds with checks from the closing attorney and Highlands Residential Mortgage has not paid anything on our behalf before or after closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I have reached out to the company and explained that I have no knowledge about two accounts. But I still offered to do a pay to delete just to have it off my credit and they denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-03-07 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Chrysler Capital has not accepted my payment money orders as a Tendered value payment that I made payments to them on the car payments I have sent them a letter with a payment money order. I have Tender the payment Ucc 3-603 and 3-311 they have not acknowledged the payment as instructed by law. Chrysler Capital never informed me of the TRUTH IN LENDING A.K.A REGULATION Z- 12 CFR 1026. I have contacted them and I have tried to reason with them and I am still getting a refusal from them Chyrsler Captial and they have been threatening that they are going to repose my car if I don't send them another form of payment they are not accepting my money orders for the value that has been tender and sent they have violated my rights consumer rights 15 US 1605. From day one. when I first bought this car put a {$500.00} dollar downpayment on this car I never was told about consumer laws or handed any papers in my hand or given my full contract about any consumer laws when I got home and looked at my contract it only contained three papers one was RETAIL INSTALLMENT SALES CONTRACT, NON -LEASED VEHICLES ODOMETER DISCLOSURE AND GEORGIA LEMON LAW AND IN THE CONTRACT OF THE RETAIL INSTALLMENT PAPER IT SAID NO COOLING OFF PERIOD meaning I can not change my mind. I was deceived on all matters of this contract all my rights were violated I had been taken on a ride my consumer rights were violated 15 us code 1635, 15 us code 1602, and 15 us code 1605 were not told to me, or handed any papers to me on consumer laws. my name is XXXX XXXX Chrysler Capital account number XXXX for my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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. 


Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 XXXX5 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