vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently submitted a dispute request but it was believed that not enough information was provided in order to proceed with the dispute. I am resubmitting again with a few documents attached hoping the accounts on my consumer report can be deleted as of result of a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: KY

Complaint narrative:
i have asked transunion to remove incorrect fraudulent info from my credit report resulting from identity theft which includes adresses accounts and inquires and they have not done it i provided identity theft reports

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 2022-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I just received a copy of my consumer credit report and have found XXXX XXXX XXXX reporting on my consumer report for an amount of XXXX. I do not have a contract with XXXX XXXX XXXX, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with XXXX XXXX XXXX. This account needs to be immediately zeroed out and deleted from my consumer reports. XXXX XXXX XXXX has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If XXXX XXXX XXXX does not cease collections attempts and zeroes out the balance XXXX XXXX XXXX will be charged XXXX for damages

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 2022-12-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.

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 2022-12-11 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: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, I received letter stating I owed nearly {$4000.00} for a {$300.00} ( XX/XX/XXXX ) boat repair. Repair was not done correctly and bill included items and hours beyond what was agreed upon. Cost of parts and labor were falsely stated. Collection Letter gave no information as required about dispute process, time frames, etc. No accompanying information on alleged debt and debt was stated due in XXXX of XXXX. 

XX/XX/XXXX, I disputed debt to Collection agency asking for documentation and verification of alleged debt be mailed and no contact with me. I learned from XXXX XXXX the debt was referred to credit bureaus on XX/XX/XXXX. 

Owner of collection agency called me on XX/XX/XXXX, when I requested no contact. 

XX/XX/XXXX Collection agencies advised all 3 credit reporting agencies they had validated the debt and met requirements of FCRA. 

XX/XX/XXXX I received notification from my XXXX XXXX subscription that collection agency had reported a second month past due. 

I do not owe this sum. The boat mechanic has come to my home and frightened me, and my boat sank a short time later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: CA

Complaint narrative:
Never opened this account. 
Called multiple times to remove reporting information with no success. 
Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type installment Loan Type SECURED Balance {$720.00} Last Payment Amount {$0.00} Original Amount {$720.00}

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
on XXXX XXXX, Equifax is reporting incorrect information. I am very frustrated about it because they are not fixing this issue. The date of my bankruptcy XXXX XXXX is in correct on XXXX XXXX. it is reported that the date filed is XX/XX/XXXX. I did not file for bankruptcy on that date. I filed for bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I have an auto insurance policy on XXXX XXXX XXXX then they increase my policy payment from {$110.00} to {$150.00} without telling me because I was paying auto payments they just increase my policy payment then I called them and I told am going to cancel their policy I cancel XXXX XX/XX/2022 while two days left my for my regular payment due, even I owe them two, despite all this they sent my information to credit collection They not told me anything that they owe me Because they didn't owe nothing This is not fair, increasing the policy payment without notice and then sending me to collection when I cancel their policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-12-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-12-11 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: TX

Complaint narrative:
Im filed multiple disputes for the XXXX  XXXX account on my XXXX and Experian I showed identity theft report Ive showed police report they have went against fcra XXXX that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND XXXX THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this

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 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/22 I contacted CapitalOne ( XXXX XXXX credit card ) concerning an interest charge in my new statement, even though the previous statement balance had been paid IN FULL five days before the end of the billing cycle ( I even paid more than the balance ). The interest charge was {$16.00}. 

To make matters worse, the interest charge was assessed on an amount higher than the balance statement. 

The agent I spoke to tried to guess what the problem was but was not addressing the issue : she guessed that it was a previous monthly balance, was there was none. She guessed that I had not paid in full, but I paid more than the balance statement. Even though the agent was guessing, they were intent on simply declare I was wrong. Nothing came out of this conversation. 

Their explanation in the statement comes to " '' How is the Interest Charge Determined? '' ( below ). But that description does NOT unequivocally state whether it is the END OF THE BILLING CYCLE or the DUE DATE that is determined to charge interests. CapitalOne simply interprets this in their favor, while a plain reading of the description and other documents makes. But any fair reader will see that the phrasing very much indicates that it is the END OF THE BILLING CYCLE WHAT COUNTS. 

CapitalOne seems to be praying upon costumers based on loose language they use their power to interpret in their favor. 

CapitalOne agents and surpervisor were acting as if my only recourse was to complain to CapitalOne. They were cagey about how I could proceed with my complain outside CapitalOne. 

Actions : besides talking to them, I am submitting this complain, and will submit another with the XXXX XXXX XXXX. CapitalOne did nothing. 

" How is the Interest Charge Determined? Interest Charges accrue from the 1 ) date of the transaction, 2 ) date the transaction is processed or 3 ) first day of the billing period. Interest accrues daily on every unpaid amount until it is paid in full. Any interest that has accrued during a billing period will post to your account at the end of the billing period and will appear on your next statement. This means you may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the previous month. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11 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: TX

Complaint narrative:
Im filed multiple disputes for the texas Dow account on my Equifax and XXXX I showed identity theft report Ive showed police report they have went against fcra law that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND SUR THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/2022 I went to the website I did a pre-qualification. It clearly says on the website that it will not affect my credit multiple places on the website because I read the terms and conditions and they ending up placing an hard inquiry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Please note that the fields that i checked are not accurate. Because the problem I am having as a consumer relying on a PAYPAL BUYERS WARRANTY is not an option strangely enough. 

I have filed a claim for shoes that I ordered from XXXX that have not showed up now in more than two months!!! 

They have closed the claim and have reneged on giving me my promised warranty I of course would have never bought shoes from XXXX had I not had the confidence of a paypal warranty. The amount for the shoes is XXXX. There are also two other transaction that the same thing has happened. One for XXXX and another of XXXX. 
totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: NC

Complaint narrative:
In accordance with the fair credit reporting at, the list of accounts below have Violating my federally Protect the consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX Have all violated my rights. 
15 U.S.C 1681 section 602A. States : I have the right to privacy.

15 U.S.C 1681 Section 604A. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other reverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 a reasonable cost to believe that the information is in accurate.

Please Delete these accounts immediately to avoid further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
there is old or wrong information in my employer and location, and wrong name, and Ssn. 
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. 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 2022-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My husband and I applied for a mortgage with Fifth Third Bank and was denied three times starting in XX/XX/XXXX and ending in XX/XX/XXXX. After each denial, we had to convince the bank to continue to process our loan. After speaking with other employees at different Fifth Third branches it became clear that there was something else at play here. One employee explained the criteria for an XXXX XXXX XXXX, or XXXX, and we fit the criteria. That's when we decided to file a complaint. Upon receiving the third denial in XX/XX/XXXX, we informed the bank we would be filing a complaint and shortly thereafter, the bank made an " exception '' regarding the loan. The Michigan XXXX XXXX Department and the Office of the Comptroller of Currency contacted Fifth Third Bank and a response was received which is attached. We have composed a response to Fifth Third. We believe that Fifth Third Bank violated the Elliott-Larsen Civil Rights Act No 453, Public Act of 1976, as amended and Title VIII, US Fair Housing Civil Rights Act of 1968 as amended. We believe Fifth Third Bank discriminated by redlining or because of our race or both. In Fifth Third 's response, they feign incompetence rather than admit they violated the Elliott-Larsen Act and the Fair Housing Act. In our response, we assert Fifth Third would not expend such resources by blindly taking an application from customers that they may not be able to lend to because they have no products available. Fifth Third 's response was a flimsy excuse for discrimination. ( Fifth Third did not provide any exhibits with their response to us )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: Navient Solutions, LLC.
State: OK

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have no problems lowering my monthly payments. However I was defrauded by the school I have some student loans for. I was not able to get a job after graduation. I was promised employment and job placement. I was did submit an application for borrowers defense. I already had two small applications pending. However this application is for about {$30000.00} in student loan debt. I was not aware of my options and there is no way to submit the application except through email. The process seems lengthy. I am currently unemployed. I have asked repeatedly for resolution to my ongoing issues with my student loans. I am not getting any resolution from Aidvantage and not giving me options. I am asking them to review my current situation and my loans with XXXX XXXX. I graduated with the promise of employment and the promise of job opportunities. They told me they had career placement. None of this happened after I graduated.

Company response to consumer: Closed with explanation