vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: MS

Complaint narrative:
No proper investigation has been performed by credit reporting agency nor legal documentation have been sent to consumer for review involving prior complaint on accounts listed on consumers report which violates consumers rights under 25 USC 1681. 15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions. No legal documentation have been sent to consumer to confirm that consumer gave written instructions to publish such information. 15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years. Consumers rights have been violated under this code.

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a mortgage account with SunTrust 11 years ago and at that time a checking account was required in order for the monthly mortgage payments to be drawn. No other activity was done on this checking account other than the monthly mortgage payments. In XX/XX/2022 a {$25.00} maintenance fee was deducted each month. I didn't notice this until XX/XX/2022 and by that time {$100.00} had been deducted. I called Truist and learned the checking accounts are no longer required for mortgages and that a {$25000.00} balance is required in order to avoid the {$25.00} maintenance fee. None of this had been communicated to me. I immediately closed the checking account and a {$25.00} refund was issued but I am seeking a full refund of the remaining {$75.00}. I have letters at the time of the merger that stated nothing will change ; I phoned the bank at the time of the merger and was told nothing would change and no action was needed on the part of the customer. An inquiry with Truist was escalated for research on XX/XX/2022 but no response has been received. I've spent hours on the phone attempting to resolve to no avail.

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 2022-09-13 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX i signed a 60-month contract agreement with XXXX XXXX XXXX i begin having financial issues unable to make payment on time. recieving late payment statements stating of my failure to make payment on time. XXXX is reporting the contract is 72 months and my first and last payment was XXXX. ive submitted supporting documents from XXXX  however XXXX and experian seem to state XXXX  is verfying the debt, i recently made complaint with cfpd regarding XXXX adverse action regarding not reporting correct information and XXXX, and they deleted the account from my report.i submit compliance with business consumer alliance against XXXX  and they fail to reply.

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 2022-09-13 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: KS

Complaint narrative:
Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines.

Credit Reporting Resource Guidelines. States : The FRCA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information, to update and correct information. SEE PAGE 7-3 Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines : All account numbers should be reporting the same. XXXX and Experian are reporting late payments in XX/XX/2021.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I am requesting Equifax to provide their method of verification. They replied to my last complaint involving improper use of my consumer report, stating on XX/XX/2022 that they verified my accounts, so I am exercising my rights under 15 USC 1681i ( a ). I am granting them 15 days to respond to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
I been having problems with all three credit bureaus they keeping my credit score low they not adding the bills on correctly I paid all my bills on time I spent {$6000.00} clear up old debt I never went no higher than XXXX when it's time to boost they will disconnect my credit card from the account when adding the card back on the account the bill that supposed to get boost is add in with the others bills that was already add to the account so I get no boost points I call several times speak to the same person who always hang up in my face my score should have been XXXX by now please help stop the abuse from these credit bureaus especially Experian please help

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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Mr. Cooper paid another homeowners hazard insurance policy out of my escrow account on XXXX and still havent reimbursed my escrow account. I have made 5 phone calls and this still hasnt been resolved. I have a shortage in my escrow account and there is an escrow analysis that will be happening before the end of the month. If this is not resolved my payment is set to increase by approximately {$200.00} per month. I need this resolved immediately and Mr. Cooper has not been cooperative for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
Upon viewing all three credit reports from the credit bureaus, I began to inquire about the validity of the accounts. I then began to question the bureaus to verify and validate all the accounts listed. All three agencies have failed to verify the accounts as required by the Fair Credit Report Act Section 609 ( a ) ( 1 ). All correspondence was forwarded via certified mail and standard mail on XX/XX/2022 to ensure its arrival. ( tracking numbers have been provided ). TransUnion forwarded correspondence advising dated XX/XX/2022, that they received the request that included my information, but didn't appear that I or a properly authorized third party sent it to them. The document in question was signed on XX/XX/2022 in front of a notary where a valid ID was required. All in attempt to avoid and delay this process which should have concluded within 30 days.

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 2022-09-13 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: ID

Complaint narrative:
There are two accounts that do not belong to me. I have a perfect credit rating and these two accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these two creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.

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 2022-09-13 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022 my payroll was direct deposited into my primary account with Santander Bank. I then transferred money from my primary account into a secondary joint account. A court order was issued against the secondary account holder and they took my money that I can prove is my money to satisfy the court order. Now they are dragging me through the coals to get my money back. Please assist!!!

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 2022-09-13 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: OR

Complaint narrative:
I believe I am a victim of Identity theft there are multiple accounts that are on my credit report that I did not open or authorize. I really don't know anything about credit until I recently check my credit report and seen these fraudulent accounts. I am just confused how someone can open accounts in my name Without my consent or authorization Please look into my investigation Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: OR

Complaint narrative:
I believe I am a victim of Identity theft there are multiple accounts that are on my credit report that I did not open or authorize. I really don't know anything about credit until I recently check my credit report and seen these fraudulent accounts. I am just confused how someone can open accounts in my name Without my consent or authorization Please look into my investigation Thank You

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This complaint relates to my account at Citi : XXXX XXXX XXXX XXXX  XXXX. In late XXXX, the autopay did not go through because my checking account was slightly short due to an unexpected expense. On XX/XX/XXXX, within a few days, I manually paid the full statement 's prior balance of {$2900.00}, and that was taken from my account and reflected on my statement. Citi continued to attempt to take the same {$2900.00} again several times ( I tried to get them to stop, but long wait times prevented me from getting help ), and they were successful on XX/XX/XXXX. I called multiple times and they refused to refund the duplicate payment or assist in any way. I advised them I would contest the XX/XX/XXXX payment with my bank, which I did. The bank reversed the charge and redeposited the funds on XX/XX/XXXX. I thought the situation was settled, but on XX/XX/XXXX Citi manually reversed the XX/XX/XXXX payment off of my credit card statement saying it was a " customer request '' - it was not- and I was charged a {$29.00} returned check fee. I called and, once again, got the runaround. The agent asked if I can make a payment today- THEY HADMY MONEY! The funds were not redeposited in my account. Citi 's customer service is so poor it is tantamount to a deceptive practice. For context, I am an accountant, so I understand how this should work.

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 2022-09-13 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: PA

Complaint narrative:
I only use my credit card to pay my bills online to the utility companies, XXXX or other reputable companies. 
The card never leaves my purse, except when I buy gas. 
I put it into the pump. There has to have been a skimmer or a shimmer in the pump. A thief stole my info and charged phone calls to another thief at a prison. 
Capital One cancelled the card and is doing an investigation. 
I have 2 complaints : 1 ) I asked multiple people at Capital One if they use the XXXX XXXX for their chips in the cards. XXXX is another layer of protection that prevents copying the info on my magnetic strip. 
No one could answer me. UNACCEPTABLE! 
I want to know if Capital One uses XXXX. 
If not, why? 
This sounds like a class action law suit. I will be contacting a lawyer. 
2 ) When I gave the Fraud dept my landline phone # Capital One 's system could not identify it. I opened the account with that phone #. I then gave them my cell phone #. It too could not be identified. Now I have to wait XXXX week for them to verify my ID info that I submitted and another week to get my new card. 
I'm being penalized for a thief who stole my money. 
UNACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: MI

Complaint narrative:
I disputed the inaccurate accounts listed on my credit report with TransUnion. On XX/XX/XXXX the respond to by dispute via mail stating that either accounts have been verified as accurate, the account has been updated or the account belongs to me. They sited their sources as either the original source, or third party vendor named XXXX. I have reached out to XXXX and gotten a report of the file they have on me to compare the results with TransUnion claim. XXXX states clearly that they dont contain the accounts that Transunion claims to be verified through them. How can this be accurate if the source " XXXX " denies Transunion claim?? This is inaccurate and I would like Transunion to provide me with their proof such as the report from XXXX which they claim the used to verify and any other original source used to make their verification. The accounts are listed below : 1. US Bankruptcy case # XXXX XXXX ACCT # ENDING IN XXXX XXXX ACCT @ ENDING IN XXXX 4. US Bankruptcy case # 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 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
I'm being charged {$15.00} for a debt that was coded wrong. I had called the company and told them they coded it wrong, per the insurance company. This was preventive care. now I'm getting a statement from CMRE Financial Services. I called them and told them this was not my debt. It was coded wrong. They were very unprofessional, disgusting tone of voice, and very disrespectful. I'm totally disputing this claim and I told them so. They hung up on me. Please handle this promptly! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I get hung up on multiple times and told that someone in escalations is refusing to escalate this and then I was lied to by this company and told at first my unemployment program was the one taking my funding back but after a long understanding the compliance manager got back with me and tried to act as if I forgot about the false dispute put on account and false hired customer service agents acting different roles I consume our personal info to transfers out the funds from the account when I know we shouldn't have to give all this personal information.This is ridiculous with all that is going on there's no way my account or me and my child should have to suffer due to some female within this company having insecurities and disliking of XXXX XXXX XXXXXXXX and than to contact me and state that in the comments that funds were being transferred to redlining credit funding is ridiculous Yes I have called for about a year and all my unemployment benefits is disappearing I was told that all funds were being transferred to redline credit funding and also the customer service agents is very rude and nasty and refuses to help with this issue I'm now looking into civil suit against the company for discriminating my account purposely and still is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING.

I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING.

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.

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 2022-09-13 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.

Company response to consumer: Closed with explanation