vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently pulled my credit reports from Equifax, XXXX and XXXX and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries 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 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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Opened M & T MyChoice Premium Checking on XX/XX/22 with XXXX XXXX : XXXX Deposited {$10000.00} on XX/XX/22. Per the terms, I needed {$10000.00} monthly balance for the months of XXXX and XXXX and M & T would pay a {$350.00} bonus on XX/XX/22. The bonus still has not been paid. 

Additionally, if you deposited {$500.00} you would get a {$100.00} bonus. THAT bonus was paid, so I know the promo code was attached.

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 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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

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

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions.

15 USCV 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 2022-05-04 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I believe last year I had reach out to XXXX XXXX and you guys about this I had already dispute this 2 time I believe and I even had a letter respond from XXXX XXXX saying they seen the mistake that was made. I did not myself open this line of credit and they told me they would have taken care of it and to this day I still see it on my credit resport and I need it off.

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
I was late on my payments with XXXX XXXX XXXX due to covid and they sent my pay off to a collection agency ( Radius Global solutions ). They call very early or very late at night and insist on giving information about my card. I looked them up and everyone says its a scam company. Im willing to pay off the dept to get it off my credit report but im not getting any help from XXXX XXXX XXXX and I dont know what to do.

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 2022-05-04 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: MD

Complaint narrative:
Transunion reported a higher balance than I owe on my student loan account through XXXX stating XXXX  reported the wrong balance XXXX  stated they did not report that balance and they reported the correct balance transunion refused to let me speak to a supervisor!

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 2022-05-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX  Collection Agency- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: LA

Complaint narrative:
Equifax deleted a bankruptcy off my report and then added it back to my report and i have proof from a report generated by equifax. This is illegal! and must be removed at once! 

Equifax needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires.Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX NA XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account 1933, 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 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 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
5/3rd Bank XX/XX/2022 : I was successful in using XXXX to pay the monthly Mortgage payment XX/XX/2022 : A rogue payment was made to my mortgage not by me but from someone in the company. It was a successful payment as the money for my mortgage payment was in that account. 

XX/XX/2022 : XXXX attempted to charge me for a second payment and was declined. I was charged a {$37.00} fee for overdraft/return item fee. I had {$550.00} deposited into the account as usual from my paycheck. I call the customer service to dispute the rogue transfer and they told me it will be solved, autobillpayer has been fixed and to call back when it is no longer pending. 

XX/XX/2022 : XXXX " successfully '' took my mortgage payment leaving me- {$320.00} in my account when I need to pay bills. I called Customer service and they told me the second payment would not be reversed, and neither would the original {$37.00} Item return/ Overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX I sent certified letter for debt validation request for a debt in the amount of {$2400.00} being reported on my credit report. No response and they Continued to report to bureaus. They Never marked account as disputed. XX/XX/XXXX I sent a second certified letter for debt validation. Again they failed to verify and continued to report to bureaus. They also Never marked my account as disputed. XX/XX/XXXX I sent a third certified letter to request debt validation. Again no response, they continued to report to bureaus, and never marked account as disputed. All letters were sent certified to address provided on my credit report and were verified by USPS tracking as received by them. I have proof of this if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXXXXXX XXXX  / {$160.00} / 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 2022-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN XXXX XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2022-05-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
THE BUREAUS INC. has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX In this case, Capital One has been victimized by " friendly fraud '' and wrongfully charged back payments. I urge capital one to research this customer and their policy in customers engaging in " friendly fraud '' disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Yesterday ( XX/XX/2022 ) I applied for a credit card with the Navy Federal Credit Union. At the time of my application a range of interest rates was displayed ( XXXX % ). I continued the application process by going to the next step - never showed what the actual rate would be. Later in the day I received a message stating that my interest rate would be 13.24 %. I would never have accepted this rate if it had been disclosed as I have over $ XXXX in cash deposits with XXXX XXXX XXXX XXXX and XXXX Bank. My XXXX credit card is at XXXX % with XXXX % cash back as I have excellent credit. 

This is a classic bait and switch scheme and a very unethical business practice. I have also filed an XXXX complaint but am filing with you as well as this is fraud. Today I cancelled the credit card with Navy Federal and closed my account with them - voting with my dollars. Please sanction Navy Federal Credit Union for their fraudulent business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX XXXX  XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
A medical bill was sent to collections while I was actively still making payments on the account. In fact, after The account was paid in total it was learned that I overplayed in which I was issued a refund for the amount over payed. Ive reached out to the company multiple times informing that I was somehow sent to collections in error and they are unable to help or provided further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Approximately in XXXX of 2016 I was notified by Capital One that my {$8500.00} credit card had a balance on it of {$20000.00} at that time I had made a dispute and was told to continue making my minimum payment so as not to mess up my credit after some time I contacted them again and they told me that they couldn't give me an information any information because it was under investigation after some more time I still had not heard back from them so I contacted them to try and find if they can give me any records of anything that occurred and I was giving no information no records or anything else I thought I just had to accept it for what it was and wait about 7 years until hopefully it came off until I ran into a gentleman I was doing work for a couple months ago who advised me that I did have recourse and that's it was the actions that I'm trying to take now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX XXXX XXXX that my XXXX access which was the primary benefit of this card would be significantly reduced beginning on XX/XX/XXXX. The Annual Fee for the American Express Card is {$550.00}. The terms of the card have significantly changed, and I was not notified within 45 days as required by the Credit Card Protection AcXXXX of 2010. Additionally, significantly reducing the primary benefit of the card while continuing to charge an annual fee of {$550.00} is unfair, deceptive, and affect commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I never received bills during XXXX to XXXX and when I try calling I was always being transfer I would give them myself abs they say it wasnt me. A lot of them dont speak clear XXXX so it was hard to understand. I could never make an account with the app it says my number was incorrect I even called them stating and they mention that I wasnt who I said I was

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