vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. 
-These account has never been late or had ever been late with another XXXX XXXX in the past. 
-They also failed to notify me at least 21 days prior my due date.

Under U.S Code 1666b, they must do so in written to notify, but had never did so.

Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. 

" The CARES Act, which was signed into law on XX/XX/, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: VA

Complaint narrative:
Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX   incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. 
-These account has never been late or had ever been late with another XXXX XXXX in the past. 
-They also failed to notify me at least 21 days prior my due date.

Under U.S Code 1666b, they must do so in written to notify, but had never did so.

Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. 

" The CARES Act, which was signed into law on XX/XX/, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a 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 2023-03-27 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts below from my file : XXXX CARD 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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US Bank business account online and had my account by telephone with my documentation faxed. Unfortunately this business account was poorly managed by US Bank right from the start. First, despite being told that i was a sole proprietor they seemed to have opened an incorrect account for me as an LLC. I took some business trips to the XXXX in XXXX and XXXX of XXXX and my card had multiple issues with billing error and duplicated transactions and unauthorised use. I disputed many transactions and informed the bank due to business I was overseas on a very long trip on more than one occasion. Remarkably, US bank then sent forms for some of these to be signed and mailed sent to my US mailing address and these were not received by me until XXXX of XXXX. I faxed back all the forms signed but US bank reversed all provisional credits. Even more problematic was that US Bank then closed my account, restricted access to my funds, and then would not allow me to call the bank and enquire about my money and would not let me file any new disputes or would not let me send police reports to support my legitimate claim. They have also not allowed me access to my bank statements so I do not even know what fraud transactions to dispute if they allowed me to discuss my own account, which they have not done. All of this violated federal and state banking laws and every time I have tried calling to fix this I am given the runaround. US Bank has treated be very shabbily and I am appalled. Moreover, I am owed a refund off not insignificant amount of money from this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I opened an account with truist Bank online with there {$400.00} opening deal. Everything went fine signing up, deposit {$50.00} and got confirmation and was able to use the app for couple days before they locked it. I called the number on app and some deep accent foreign dude couldn't help me at all and told me call fraud department, I then called them to get report from them XXXX XXXX XXXX. I see what went wrong got a letter stating they close my account and they send me a check of my funds after 10 business days, that I accidentally trashed from anger but it never recieved. I called again again foreign accent that hard to understand but kept getting run around no help, call XXXX XXXX XXXX and they tell me it the bank that needs to give Me my funds. My last call was 2 days ago, a lady picked this time again can't help and says my account looks still open but I need to call this number XXXX which isn't even banking it was talking about purchasing equipment when I picked customer service. My account still locked, closed for what that letter says and they won't give me my {$50.00} back, I just want to be done with 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 2023-03-26 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MA

Complaint narrative:
Subject : Request for Investigation of Equifax for Ignoring Dispute of Inaccurate Identification Information and Delayed Credit Report Dear Sir/Madam , I am writing to file a complaint against Equifax for its failure to address my dispute of inaccurate identification information on my Consumer file and for its failure to send my credit reports in a timely fashion. Furthermore, Equifax has rejected my appropriate identification documents even though I provided all necessary proof of identity as defined in 1022.123 of the Fair Credit Reporting Act. As a consumer, I have the right to ensure the accuracy of my credit reports and protect myself from identity theft. However, Equifax has ignored my concerns and violated my rights. 
On XX/XX/2022, I sent a dispute of inaccurate identification information on my Consumer file with Equifax by certified mail with a return receipt. The tracking number for the certified mail is XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit A ), and the mail was stamped and received by XXXX XXXX, an agent of Equifax. However, Equifax has failed to address my dispute and update my Consumer file, in violation of 611 ( a ) ( 1 ) ( A ) of the FCRA, which requires consumer reporting agencies to investigate disputes and correct inaccurate or incomplete information. 
In addition, I requested my credit reports from Equifax on XXXX, as per my right under the Fair Credit Reporting Act. I disclosed my full social security number and provided multiple choice answers to confirm my identity. However, their site has crashed on multiple occasions, making it difficult for me to access my credit report digitally without ease of use ( Exhibit B attached ). I have contacted Equifax multiple times through multiple sources regarding the status of my credit report request, but have received no satisfactory response. 
Furthermore, Equifax rejected my appropriate identification documents, even though I provided all necessary proof of identity as defined in 1022.123. This is a violation of 610 ( a ) ( 1 ) ( B ) of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to provide a process for consumers to dispute inaccurate information. 
Equifax 's failure to comply with these provisions of the FCRA has prevented me from accessing my credit reports and addressing the inaccurate information on my Consumer file, thereby causing me undue financial harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: TX

Complaint narrative:
Mortgage company is suiting a wrongful foreclosure. The company would not allow payments to be made and have no physical building. The property went on forbearance during the pandemic and instead of allowing payments they wanted the entire forbearance. The company then approved a loan modification but immediately after filed a foreclosure during that 37 day wait frame of underwriting, the house is now being auctioned and wrongfully so. We have all intent of paying the mortgage but have been offered no solutions as to how. The home was involved in a divorce and the bank refused to speak with me even though I am on the loan and the legal owner of the home. 

No resolutions and taking the home without proper protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was a Consumer Affairs Director for a large newspaper and a medium-sized food company for a number of years and I studied Consumer Finance in college. So I know the value of keeping a high FICO score. Ours has hovered around 835 for the past 50 years, but recently dropped to XXXX because of these problems. I think that recently hackers have targeted people with high credit scores, and so we have had numerous fraudulent charges on our Capital One business account. Someone tried to purchase a car on it and during XXXX and XXXX, there were several high amount fraudulent charges that we did not make. There was one small charge that was legitimately ours, and I paid it during the fraud investigation. There was confusion about the charge because the vendor charged us a discounted amount than what we ordered. I have written and phoned numerous times to try and resolve these issues with Capital One, The Cap One Rep said that I would not have to pay late fees, but Cap one continues to charge us late fees and interest on top of late fees and interest. We have not used the card for other purchases and have canceled the account. The charges are over {$400.00} now and we do not intend to pay these non-legitimate fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26 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: WI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
On XXXX XXXX, 2023 I purchased a lottery ticket online from The Michigan XXXX for {$6.00}. When my statement arrived, I noticed I was charged an extra {$15.00} for this transaction. When I contacted the bank regarding this charge on XXXX.23, I was told that any purchase of lottery tickets incurred an extra {$15.00} charge because it was considered a cash advance or some type of nonsense. And even though I have been a XXXXFNBO Visa customer for years and years, my complaint was disrespectfully dismissed with no thought or consideration. 

There is no reason for this outrageous charge. First National Bank of Omaha has assets of {$17.00} billion and revenues of {$500.00} million. XXXX XXXX had profits of {$28.00} billion. Neither of these corporations need my {$15.00}. This charge is blatantly ridiculous.

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 2023-03-27 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: LA

Complaint narrative:
XXXX is reporting wrong name and incorrect address, also incorrect employment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: LA

Complaint narrative:
XXXX is reporting wrong name and incorrect address, also incorrect employment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Costco Citi card fraud department will lock your card after an arbitrary amount spend. After speaking with the fraud department all of them will ask to verify identity through a text, BUT THEY WONT LET YOU USE YOUR PHONE ON FILE. And if you dont have access to another phone number they tell you your account is locked until you receive instructions in the mail which will take 5-7 business days. Who has time for that? That is ridiculous, if I had known this I would have never opened card with Citi. 

After looking online Ive found that many others have shared this experience. Citi need to fix this ASAP, and prorate their fees based on the wasted time and energy. What a joke.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: WI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Department of Education Account number:XXXX XXXX XXXX XXXX Account number : XXXX They have violated the following : 15 USC 1681 section 602 A states that i have the right to privacy.

15 USC 1681 section 604 A section 2 It states that a consumer reporting agency can not furnish an 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 item of information, other than records of convictions of crimes which antedates the report by more than 7 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 explanation