vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
I have several account that are in violation of my write. I do not want the company to reinvestigate because they keep getting the same information which is not correct. FCRA you must report accurate information. However I have dates that are not write. OPEN DATE, CLOSE DATE, MONTHLY PAYMENT, DATE OPENED, BALANCE, PAST DUE, PAYMENT STATUS, CREDIT LIMIT. 


I, XXXX XXXX is tired of constantly asking for the same reinvestigation. My information is not correct on each Credit Bureaus and that is a violation. The company must provide accurate information to all credit Bureaus. Each information must be the same. However, with my report there is so many conflicting information I have high lightened. In the comment section it states it has meet FCRA requirement for investigation how is that when information is still conflicting and some account do not belong to me. I the consumer and a natural person, am aware of all rights that I have, and which are protected by the CONGRESS under the Fair Credit Reporting Act ( FCRA ). The list of account below has violated my Federal Rights. My federal rights protected consumer right to privacy and confidentiality under 15USC 1681. NOW IS NOT THE TIME TO UPDATE INFORMATION YOU ALL HAVE DONE THAT BEFORE SEVERAL TIME AND STILL FAILED TO GET IT RIGHT. In addition it took 47 days to get a response from each credit breaus.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax, disputed credit inquires at XXXX and by XXXX XXXX  the next XXXX  had results. This was not investigated properly. Now these items will remain for 2 more years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One Quicksilver Credit Card is still reporting to XXXX this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. Capital One knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the Quicksilver Capital One Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: PA

Complaint narrative:
I never opened this account I have attempted to close this over and over even pd a few times so my credit didn't get hit im so aggravated as I've been working hard on building my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I got a refund from a merchant XX/XX/XXXX22 it was available them they took it back and overdrawn my account Today on XX/XX/XXXX2022 trying calling them keep getting the run around it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I have been paying on this loan for years and since XX/XX/XXXX all of the payments I have made are going to interest and late fees. I have had the same balance due since then. I called them last month to find out why my balance has not changed and they said it was due to setting some payments to the end of the contract. Since XXXX of XXXX I have paid more than what the monthly amount was and asked them to put that towards the principle and they have not. Last month when I called to make my payment they said the amount due was {$380.00} which I paid. That shows that I have been paying more than the loan amount otherwise it would have been more. My car payment is {$570.00} per month. A couple of examples of my payments .... XX/XX/XXXX paid {$910.00}, XX/XX/XXXX paid {$700.00}, XX/XX/XXXX paid {$700.00}

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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
I own a bed and breakfast on XXXX XXXX. We take credit card payments for our rooms. The credit card processor generally deposits money into my checking account daily. However, for the past month, they have been withholding my deposits citing security issues, and there has been no resolution. 

When I initially called them, they told me it was because I was providing too many refunds ( I was refunding room deposits after checkouts ) and that I needed to send in my bank statements. I completed that. Then, they told me the issue was that the XXXX  had a dramatic increase in income. I explained to them that it's a XXXX XXXX  Then, they told me that my money was being held because guests were booking rooms one year in advance. 

As stated, it has been over a month that they have been withholding my money, and there has been no resolution. I will not be able to make payroll, mortgage and taxes in two weeks as my savings is running out. 

Additionally, there is noway for me to escalate this situation. Everytime I call customer service, they refer me back to the same agent in the security department. They will not let me work with a supervisor or someone in another department who can expedite the process. 

I believe this is an unfair and unreasonable practice that is causing harm to my business. I do not know where else to go for assistance. I have contacted the AG, OCC, and State and US congress people ; all say it's not within their purview.

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 2022-07-15 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: CT

Complaint narrative:
XXXX XXXX XXXX Credit Card is still reporting to Transunion this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. XXXX XXXX knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the XXXX XXXX XXXX Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from Transunion.

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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was with chime for a very long time tge froze my account saying suspicious activity, I sent them all the documentation they had asked for and they keep asking for more. I have asked them to close the account and return my money and they will not do it. It has been almost a month and they have my XXXX and something dollars tied up and wont release it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX XXXXXXXX

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 2022-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titanium Funds
State: UT

Complaint narrative:
Back in XXXX I financed a vehicle through Titanium Funds in Utah. After 2 years of on time payments I fell on hard times and the vehicle was repossessed. They resold the same vehicle less than a month later as it was parked across the street from my house and the key fob I had still worked, I talked to the new owner that got it through the same dealership and finance company and gave him the extra key. To this day I'm still being garnished for that vehicle, they have collected over {$12000.00} from me, and XXXX know what they have collected from others on the same vehicle. My biggest issue is on the only credit report of mine it shows on, the last balance they reported in XXXX of XXXX was less than {$3000.00}, but on the garnishment paperwork they are wanting to collect over {$5000.00}. My most recent check stub shows I have paid just over {$2000.00} and there should be only 1 more payment to be taken. I fear they are going to keep collecting as much as they can. Please please help me put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: NRA Group, LLC
State: PA

Complaint narrative:
Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and NATIONAL RECOVERY AGENCY And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to get my information to a third-party Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me And I have PDF files showing the in accuracy and top of them breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: PA

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

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

15 U.S.C. 1681 Section 604 A Section 2. It also stated 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 2022-07-15 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: PA

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

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

15 U.S.C. 1681 Section 604 A Section 2. It also stated 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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There was a credit card transaction for a balance transfer of XXXX dollars from a XXXX  XXXX XXXX credit card to a Chase credit card. This transaction appeared on my bank statement XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I sent a {$240000.00} $ wire from a US Citibank branch for the purchase of a home in the US on XX/XX/2022. I am a US citizen. Citibank is saying that the wire is under compliance review. Then Citibank said it is held by the government at OFAC. Later, Citibank said it is at the compliance department at Citibank. 
They did not provide a reason for this hold. They did not provide a timeframe for the review to be processed. They are just telling me they don't have any information to give and asking me to just wait. I have been trying to figure out what caused this review and how long it will take. 
The closing was supposed to occur on XX/XX/2022. It did not. I am in default of the house purchase contract That I have signed. XXXX XXXX XXXX will have to return the funds to my lender. I will lose the house, the earnest money deposit Citibank said it could take days or months.

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 2022-07-15 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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Firstly, I was traumatically affected by the declared disaster XXXX. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my XXXX  Ive called and spoke with the creditor several times. I am XXXX  because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.

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 2022-07-15 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: PA

Complaint narrative:
I had a credit card account through XXXX XXXX XXXX that was closed in XXXX of XXXX. It was reported on my credit report that I was over 120 days past late in XXXX but my XXXX XXXX Checking Account Statements reflect that I made payments within these late time frames which should have brought the account back to current. The late payments that were reported to credit bureaus should have been removed. 

In XX/XX/XXXX, I initiated a dispute with Equifax to investigate the late payments and have them removed given I have records of payments to XXXX XXXX XXXX Equifax apparently did an " investigation '' and deemed that I was 90-119 Days Past Due in XX/XX/XXXX, 60-89 Days Past Due in XX/XX/XXXX, and 30-59 Days Past Due in XXXX of XXXX. This is not possible as I did not have the account in XXXX and it was paid in full when it was closed in XXXX. 

This incorrect information has dinged my credit score by XXXX points erroneously and is causing undue hardship on my life as I am trying to purchase a house and automobile. 

I called XXXX XXXX XXXX and spoke with an Account Manager who told me on a recorded line that there was no late payment history with me and that they last reported the account as Closed and Satisfied in XX/XX/XXXX. This completely contradicts what Equifax is reporting. The Account Manager told me that they would not have told Equifax the information that Equifax is reporting as it is not on their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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