vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 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: MI

Complaint narrative:
Once again XXXX XXXX XXXX is associated with a fraudulent account that is legally putting a collection in my public file with out my written consent with transunion., when this account has been report several times as fraudulent .which transunion has allow these violation when a valid police report has been sent to them, vaild drivers license that has been sent to them to identity me and my current address has been sent to them as well. With all valid documentation to remove this matter, I have suffer damage to my credit report due to this matter by transunion knowing this company is clearly in violation they have expired the XXXX  day window period by not providing any proof of this debt what so ever they have not provide no verification of debt or information of source where they got this information from to proof Im the person liable of this debt. 

Transunion is in violation of 15 U.S.C. 1681 C-2 15 U.S.C. 1681 e section b 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

Transunion has violated my rights under 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. 

XXXX XXXX XXXX is in violation of 15 U.S.C 1681 C-2 15 U.S.C. 1681 g section a ( 1 ) and b 15 U.S.C. 1692 a 15 U.S.C. 1692 b2 15 U.S.C. 1692 d 2

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 2023-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX, I accepted a balance transfer offer from Chase XXXX and in exchange for paying a transfer fee, my transferred balance was to be interest free. 

What was not clear was that their rules require that you pay your entire balance in full ( both the regular balance and the balance you transferred ), otherwise they charge you interest on the average daily balance ( not to include the transferred amount ). 

For two months I have paid the entire statement balance, minus the amount I transferred. Both months I was charged interest that far exceeded what I would have paid had I just left the original balance on the prior credit card. 

This is a clear bait and switch. They entice you to transfer, in my case, {$3800.00} for 0 % interest, while burying in the small print that if your prior balance was {$8000.00} - and you paid that in full - that they would charge you interest ON THOSE FUNDS. 

I traded multiple messages with them and was told to read the fine print. 

Im utterly flabbergasted. What good is an interest free transfer option if they can turn around and charge you interest on the average daily balance of the account - even if you paid that balance IN FULL - before the due date?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 customer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a customer to any custom reporting agency if the person knows or has responsible calls 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
Consumer complaint received 2023-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANNER CORPORATION
State: CA

Complaint narrative:
XX/XX/23 I realized my business bank acciount was cyber hacked. My bank approved XXXX dollars to be unauthorized through web payments on my bank account. I contacted branch manager and they declined the following credits. All of theses charges are being fraudulently approved threw banner bank. My name, Id, signature, business name was never on any of these payments.

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 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: CA

Complaint narrative:
I XXXX XXXX do not owe this company called zions debt holdings I request all them to ceast and defrain. Also I do not have a contract with this company. Also this company never mailed me my right to dispute the validity of this debt. They are violating my fcra rights. I noticed this collection pop up on my XXXX  report today on XXXX XXXX. If they dont delete I will have to sue under fcra law. I already have a fcra attorney ready to sue. Delete this off my credit and do not try to bill me for a debt I do not owe

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Apartment complex ( XXXX of XXXX ) has sold my information to a third-party collection agency who is now trying to collect a debt that I do not owe. After trying to dispute this account several times, XXXX XXXX XXXX has refused to review the supporting documentation I have submitted that proves that this debt is not mine. Please read the company response for my complaint submitted on XX/XX/2023 : Company 's XXXX XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of XXXXXXXX XXXX XXXX XXXX XXXX Charges were not assessed by XXXX. XXXX XXXX has disputed her debt, and XXXX has submitted her dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. 



If the company did not assess the charges before reporting it to my credit report, how where charges validated and verified? Also, I have provided documentation to support the charges form XXXXXXXX XXXX XXXXXXXX does not belong to me and they refuse to review theses documentations.

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 2023-05-14 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: SC

Complaint narrative:
XXXX keep adding late fees to me credit report balance increased I dispute so many times.XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nv 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 2023-05-14 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 Fair Credit Reporting act XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, 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 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 2023-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Received notice from Homepoint, my mortgage servicing provider, with notice date of XXXX XXXX indicating that my flood insurance policy had lapsed and to provide details of coverage. 

On XX/XX/XXXX, I provided the relevant details to them ( see attached gmail confirmation ) by submitting online as requested. 

On XX/XX/XXXX, I received a second final notice saying they will be taking out insurance on my behalf even though I have already provided. 

On XX/XX/XXXX, I followed up with email to their customer support email account confirming I had already provided the details to them. I followed up again on XX/XX/XXXX. 

I have now received notice that they have taken out flood insurance on my behalf as of XX/XX/XXXX at my expense. I have provided the details to them already and all attempts to confirm they have what they need have been ignored. The flood insurance policy is actually part of my escrow account with HomePoint so they most definitely already have details of the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: SC

Complaint narrative:
Capital one card was opened in my name fraudulently in XXXX. I emailed capital one a police report in XXXX and XXXX. I am still being billed even though I have a completely different address and live in another state

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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 act XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, 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 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 2023-05-14 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: NC

Complaint narrative:
Have had difficulty resolving a dispute with my credit report involving an account with XXXX XXXX. I am a victim of identity theft. Requesting my credit report be updated to reflect accurate information. Please note I submitted information prior and Equifax has not timely resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2023-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experience with Experian still has several errors, addresses, phone numbers, names in my report which thru Oscar system SEC ot allows corporations to mirror my info that fleeces the Trust. Adverse claims and the constant request to obtain my assigned social security number which according to federal Laws its against the law.

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 2023-05-14 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: MO

Complaint narrative:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2023-05-14 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: MO

Complaint narrative:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct XXXX XXXX opened XX/XX/2022, 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 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 2023-05-14 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 act XXXX XXXX Acct # XXXX opened XX/XX/2022, 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 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 2023-05-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX opened XX/XX/2022, 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 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 2023-05-14 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 Fair Credit Reporting act XXXX  Acct # XXXX opened XX/XX/2021, 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 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 2023-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive been XXXX  from XX/XX/XXXX up until XX/XX/XXXX and upon my release Ive obtained a capital one trust bank checking account and I realized through the credit wise feature attached to my capital one bank account That there was a charged off amount for {$460.00} that I have no clue about. It seems a credit card was open using my info. This situation is clearly fraud. I have not contact capital one as of yet. I am filing a claim with CFPB first before I give capital one a call. I want this matter handle as soon as possible please. When I call capital one I would be able to give capital one the claim number created by CFPB. I have no clue who used my info to obtain a credit card while my time being XXXX. Please resolved this matter as soon as possible being is effecting me from obtaining the stuff I need to continue my pursuit to happiness. Kind regards : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief