vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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 Act XXXX XX/XX/XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX XXXX that is being reported on my credit report with incorrect/ missing info. On XX/XX/XXXX, after reviewing my consumer account, I noticed numerous errors that show Experian is not reporting with 100 % accurate information as required by the Fair Credit Reporting Act. 

Specifically, I am referencing that Experian is reporting an inaccurate account number with XXXX numbers and ends with XXXX XXXX. Along with still reporting late payments after the account was closed in XX/XX/XXXX. Experian has also reported inaccurate dates of the last activity. 

Experian 's improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2022-06-06 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and 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 2022-06-06 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have been out of town for several months and while away on XX/XX/XXXX my son applied online for a navy federal car loan in my name. This application was 100 % unauthorized and I would like the inquiry removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Bought XXXX cars ( XXXX XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ) both were reported on tax ( 1099B ) as a result the bank that financed me rescinded both accounts in my perception is a result of my reporting both car contracts to the treasury. There is now the dealership parental company attempting to recontract my to pay. I will pay until I find resolved, the only problem that I have is that XXXX Over ran my credit and gave access to other bank without my permission, 3 month after the final sale of the second car I found inquires up until XX/XX/XXXX XXXX which I had no knowledge of until credit was drastically reporting, this is fraud! One of the vehicle was faulty and failed to stop hence deemed totaled by my insurance carrier. As a result now Santander wants the pay out, but they abandoned the contract I have proof, I never received payment coupon or receipt from Santander, I never sent them one payment. I have Santander payment receipts of my phone and via statements by mail for the second car ( XXXX XXXX XXXX ) The also never reported the XXXX ( XXXX car ) but did report the second one until XX/XX/XXXX ( When they rescinded the XXXX Cars contract ) now there is XXXX loans on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Have called and asked for a full detailed of my medical on exactly what was i being charge for. Every time asked they would not give the correct information or information that i already paid for for the service at XXXX XXXX hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please Help! I have submitted proof of identity theft to TransUnion and XXXX via mail, and the CFPB portal. TransUnion and XXXX continue to furnish a public record on my consumer credit reports. I did not authorize nor give my consent to furnish the Bankruptcy XXXX. Pursuant 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. TransUnion and XXXX is willfully and negligently being noncompliance.

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 2022-06-06 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: TX

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 Account # XXXX 15 USC 1681 section 602 A. 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 a account without my written instructions. 

15 USC 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 2022-06-06 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 Act XXXX XXXX XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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 Act XXXXXXXX XXXX XXXX  ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Coinbase, Inc.
State: NY

Complaint narrative:
I had a card fraudulently opened in my name by Coinbase. I called and was told that Coinbase has no phone support for their credit card so they have to email me. They emailed me and said that it looks like my info got hacked, heres how I can change my password, username, etc. that is absolutely not what happened. As I explained to them, I received a Coinbase card I never requested. They did not confirm any of the card info and it is still opened, yet they will no longer respond to me by email and continue to tell me by phone they have no phone customer service for cards. Such a headache!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I opened a new checking account and savings account with Citizens that was tied to an intro bonus. For the checking {$300.00} bonus, a {$500.00} direct deposit needed to be made within 60 days of account opening. For the savings {$300.00} bonus, {$200.00} deposit ( not necessarily direct ) needed to be made in 3 consecutive months following the account opening. It is well past that point, all requirements have been made, but the bonuses have not been deposited into my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: NY

Complaint narrative:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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 2022-06-06 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/22, I got charged for foreign transaction fee for {$34.00} from Fidelity credit card for purchasing XXXX flight tickets. I called the customer service and Fidelity credit card claimed that the transaction was made at XXXX, XXXX, XXXX. However, XXXX does not have office in XXXX, XXXX, XXXX. But XXXX, California. As per, XXXX XXXX XXXX Additionally, I have made another XXXX transaction with XXXX credit card and doesn't get transaction fee charge. As per XXXX XXXX XXXXXXXX XXXX XXXX XXXX  there will be 3 % foreign fee if the transaction is outside US. I don't have any foreign fee charge from XXXX. 

I have called Fidelity customer service and XXXX XXXX Avoided to give last name ) told me that I should pursue legal action to get dispute on my own. 

In conclusion, this is a mistake from Fidelity and I am not supposed to get foreign fee charge.

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 monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022 I was prequalified by a PenFed Digital Loan Officer for a XXXX mortgage of {$60000.00}. PenFeds maximum debt-to-income ( DTI ) ratio is 0.50 %, and the initial loan officer calculated my DTI at 0.48 % XXXX The mathematical calculation to determine my DTI was monthly debts of {$2700.00} ( including the new HELOC payment ) divided by monthly income of {$5700.00}. These two figures did not change and were verified by documents that were uploaded on PenFeds secure website. 

I was assigned a loan processor, XXXX XXXX on XX/XX/2022. After uploading the requested documents ( including those that revealed my race, age, and gender ), I was informed that my file would be submitted for review. Around XX/XX/XXXX, I was informed that my DTI had gone from 0.48 % to 0.58 % without explanation, and I was no longer qualified for the loan. I have asked for an explanation of the numbers without success, even though I was told one would be forthcoming. 

Numbers do not lie : {$2700.00} divided by {$5700.00} does not compute to 0.58 %. I would like to know if any factors such as age ( I am a XXXX XXXX XXXX  ( XXXX XXXX ), marital status ( recently widowed ), or gender, ( female ), played any part in this magical recalculation of my income and debts.

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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I've contacted XXXX XXXX  XXXX & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.

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 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
Since XXXX of XXXX XXXXXXXX stated I owed them a debt and took me to court to recover the amount they were stating I owed. I went to court with my evidence in rebuttal of their accusations for said amount of {$4.00}, XXXX with the intent to dispute said amount. The Judge ruled in my favor and the case was dismissed. I sent the official court document to all three credit reporting agencies and the collection agency Professional Dept informing them that they can not report on a debt I do not owe and requested this false information be removed from my credit report and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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 XXXX Account # 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation