vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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 XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

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

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 2022-06-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-18 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-18 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: WI

Complaint narrative:
In accordance with the Fair Reporting Act JXXXX XXXX XXXX XXXX  acct XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2022-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had 2 capital one credit cards opened in my name in a case of fraud. Capitol one removed one of the cards from my credit report and not the other one. They both were opened within months of each other using the same information. I have tried to resolve this with them multiple times with no luck. This is a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed dispute XXXX I proved the item was returned, retailer did not issue refund as promised. I provided Tracking # and proof of return, and email from retailer confirming refund which Citi ignored and simply refused to honor the return and credit.

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 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
XXXX XXXX charging me for XXXX XX/XX/2022 in addition to XXXX charges, I did not authorize XXXX to charge me. I was double billed XXXX, XXXX, XXXX, XXXX, XXXX, for which XXXX refunded only XXXX and XX/XX/XXXX.I have requested multiple times refunds for those months of XXXX XXXX XXXX, with XXXX denial per their terms and conditions. I maintain my consumer rights have been violated.

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 2022-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: KS

Complaint narrative:
checking my credit report and a new collection was on my report that I shouldn't have because my insurance paid all my hospital and medical bills. the collection agency is called ONLINE INFORMATION SERVICES, this company is a fraud company when I looked it up and said I owe {$190.00} to a company called XXXX XXXX TX XXXX please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: IA

Complaint narrative:
In XXXX of 2021 i switched from XXXX to XXXX XXXXXXXX. I was not on contract and with ( XXXX  ) to come into store. I refused and they billed me for the next month and only the next month. If anything they owe me for a half month of service. They have collection agencies harassing 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 explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter from American Coradius International LLC, on XX/XX/2022. The letter identifies them as a debt collector, and provides three pieces of information : 1. that I owe XXXX ' XXXX 2. An account number that is extremely long and that I have never seen before ( in the last XXXX years ), and nor does XXXX understand the format of the account number and 3. that I owe {$40.00} and they would be happy to take my payment. 

The letter has no website listed, and they are not currently answering the phone number provided on the letter. ( XXXX ) They do cite www.cfpb.cov as a place to understand rights. 

I have also called XXXX and they are not familiar with this agency, nor do they consider any of my XXXX accounts in anything other than a perfect standing. 

Given the shady nature of this message and lack of real information I do not feel its appropriate to add any of my personal information to their 'form ' and mail something back to them. How can I understand if this is real without losing my personal information and being scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MT

Complaint narrative:
I have worked full time for XXXX XXXX XXXX XXXX  since XX/XX/XXXX, all of this employment has been qualified by FedLoan for PSLF/TEPSLF. My 14 loans were consolidated in XX/XX/XXXX and are Direct Loans ( Subsidized and Unsubsidized ). My servicer at the time was XXXX XXXX XXXX. In XXXX of XXXX my loans were transfered to XXXX, and in XXXX of XXXX my loans were sent to FedLoan Servicing where they remain. 
Since TEPSLF was introduced in XXXX, those XXXX XXXX XXXX payments have been " pending manual review '' with my FedLoan. I have a letter from XXXX XX/XX/XXXX acknowledging the six payments I made between XXXX and XXXX of XXXX. The {$790.00} I was paying at the time under a graduated repayment plan ( I believe ) are far more than I have ever had to pay to MyFedLoan under IBR. 
In XXXX of XXXX, my qualifying payment counts were updated, but still did not include the XXXX months of payments I made between XX/XX/XXXX and XX/XX/XXXX. I recently submitted a complaint which was closed without any explanation of the results of that complaint, or action taken to correct these errors. 

I have over well over 120 payments that are both employment and payment eligible once these corrections to my record are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: WI

Complaint narrative:
XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: WI

Complaint narrative:
XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2022-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This complaint is regarding Countrywide Mortgage, as late as XX/XX/2022 the DOJ re-published the Countrywide Mortgage settlement information, I responded to no avail they referred me to CFPB. I am a victim of Countrywide 's unfair subprime lending practices. 
My address XXXX XXXX XXXX, XXXX, Arizona, XXXX, Acct # XXXX. I was in the process of refinancing my home with XXXX XXXX XXXX XXXXXXXX, because of the explosive adjustable interest rates. But Before my refinancing process completed, Countrywide auctioned my home off. Even though i was in the refinancing process, I didn't miss any of my Mortgage payments. 
XXXX XXXX XXXX XXXX, and I couldn't reach Countrywide Mortgage via phone. The next thing I knew, someone knocked on my door and said they owned my home. I was devastated having lost my husband to a fatal accident only months prior. About 2 months later, I received XXXX checks in the mail, they were dirty with tire prints on them. They were stamped cashed by countrywide. When i inquired about the lawsuit I was told I would hear from the attorneys/admin later, but no one ever followed up with me. I'm hoping for some type of closure. I can send supporting documents upon request. 
Thanks for your support, XXXX XXXX, XXXX, XXXX 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 explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I saw advertising for a " XXXX XXXX '' very frequently on XXXX. the bank is Barclays in Delaware. My appliction number is XXXX I believe this bank or its card services department/affiliate ( Luxury  Card ) is involved in unfair and deceptive advertising. 
I finally decided to apply. i believe i am well qualified. my XXXX  stands at 790 plus and i am a multiple mortgage holder with loans close to {$2.00} XXXX at rates under 3 percent and terms of 30 year fixed. 
so far, i have not recievd the card. i have received letters and phone calls asking for additional information. the bank/its affiliate is asking me for a completed 4506T IRS form in order to continue processing my application. 
I informed them that i had filed for an extension for 2021 taxes and sent them my W2 form. they keep asking for the same document. 
i feel that this request is unusual and unfair. this requirement was never brought up when i was doing the phone application and was not mentioned anywhere. 
i am concerned about the following scenarios : 1. this is a fraudulent advertising for getting consumers ' information for illegal or shady purposes. 
2. this is discrimination. 
3.if none of the above, then this process of obtaining their credit card is extremey restrictive and probably more than 90 to 95 percent of applicants would not qualify. 
if this is the case, then why advertise so much? and not communicating to potential applicants the fact that form 4506T IRS form will be required in addition to other requirements for obtainig their card. 
it is not fair for consumers to share their private and sensitive information with this institution and lose points on thier XXXX  score if they are not going to get approved. 
Please help me figure what i have gotten myself involved in and how to resolve it. 

thank you, XXXX 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 explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXXXXXXXX/XX/XXXX Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXAccount # XXXX XX/XX/XXXXXXXXXX/XX/XXXXAccount # XXXX US DEPT ED Account # XXXX DPT ED/XX/XX/XXXX Account # XXXX DPT EDXXXX Account # XXXX** DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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 2022-06-18 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: MS

Complaint narrative:
This company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-18 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: MS

Complaint narrative:
This company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: WI

Complaint narrative:
XX/XX/2022 XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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

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 2022-06-18 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: OneMain Finance Corporation
State: OH

Complaint narrative:
I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX said they cant remove it without a letter from the creditors but they want even respond back to my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC. licensed out of Minnesota with a phone number of XXXX ( XXXX ) XXXX ; - continuosly violates CFR 31 1.32 after i have repeatedly explained the regulation ; - refuses to provide proof of claim ; - refuses to accept my tender of payment ; and- refuses to close and settle the account. 
Note : All over the phone -- all calls are recorded by both parties. 
I would like to send written notice but they refuse to provide the account details so that i might notate the account for settlement and closure. 

Account Details to the best of my present knowledge : name : XXXX XXXX DOB : XX/XX/1992 Adress : XXXX XXXX XXXX XXXX, Colorado XXXX In-short ; they sure seem to be demanding a lot but cant provide anything in return. 

Finally, it would appear that this debt collector, as per the XXXX profile associated with my person, has in-fact purchased this debt. Therfore i am no longer party to this contract. 

[ *NOTICE* You, JEFFERSON CAPITAL SYSTEMS LLC. , have 30  days from the date of this complaint to either ; 1 ) Provide lawful Proof of Claim to my address as you have on file via certified mail ; and/or 2 ) Pay to and for the account of The United States as per 12 USC 95a ( 2 ) and/or 50 USC 4305b ( 2 ) as the obligations rest within 18 USC 8 ; else you agree to settle and close the account in full within the above alotted 30 days. 


w/o respect, XXXX XXXX XXXX ( signed ) XXXX ( sealed ) w/o recourse ( delivered ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: WI

Complaint narrative:
XX/XX/202XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

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 2022-06-18 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: WI

Complaint narrative:
XX/XX/2022 XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: EQUIFAX, INC.
State: WA

Complaint narrative:
From my credit report, it shows a late payment forXX/XX/XXXX, calledXX/XX/XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.

Company response to consumer: Closed with explanation