vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit score on my transunion report recently went down by XXXX points. Ive called 3 times to question the reason for decrease. Each representative gave me a different reason why that I disputed as it did not make sense. One rep advised that it was because Id been paying down my debt to aggressively, another rep advised it was because one card had a utilization rate over 50 %. When I transferred the balance the utilization rate was over 75 % and Ive diligently been paying it off. This would not cause my score to decrease XXXX pts in one month. Lastly I was told it was because I paid off a collection account. All of these are just causes for my score to INCREASE! After stating my case repeatedly they agreed they couldnt understand the cause of the decrease and to call the CFPB for help. I am hoping you can please help me investigate this matter.

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 2023-04-03 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: MD

Complaint narrative:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
XXXX : XXXX Has violated my rights. 

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

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

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 seven years.

15 U.S.C. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NC

Complaint narrative:
My name is XXXX 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.

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 2023-04-03 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: MT

Complaint narrative:
XXXX XXXX has flagged my account past due for the same 30 days 2 times. They say they haven't experian says they didn't yet it shows on XX/XX/XXXX & XX/XX/XXXX. Immediately after my score tanked. I have pics of XXXX changes. When you ask experian why your score dropped they don't tell you. You should be able to know why scores change. That is their job. We are trying to buy a house and it's ruining my credit. I was ill with XXXX for XXXX  years and have worked so hard on fixing credit and now this. No one will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: MD

Complaint narrative:
My name is XXXX 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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: MS

Complaint narrative:
See the attached documents.

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 2023-04-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
A fake business put money into my account and sent to someone and now my account is- {$300.00} and I have already put a report out for the job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX I placed an order with XXXX for a coffee machine. The order was placed under my partners account. The Order # XXXX. After spending 3 hours trying to get coffee out of it I couldn't get it to work so I requested to return it. XXXX provided me with a return label with tracking number XXXX. They received the return on XX/XX/XXXX XX/XX/XXXX I received an email from XXXX saying that they received the wrong item and they " disposed of it '' I knew I returned the correct item because I handed it to the XXXX driver myself. I got nowhere with XXXX customer service so I called US Bank to dispute the charge on my credit card. I received a provisional credit that US Bank reversed on XXXX XXXX. I contacted US Bank again at that time and they said they would reopen the dispute. I contacted them again this morning to see the status and was told that they never reopened it and basically they're doing nothing for me. I can't understand what I could have done differently. I purchased a defective coffee machine. Return it with the label THEY provided me and I have to pay for the defective coffee machine? Please help. 
Below are the tracking details of the return Tracking details XX/XX/XXXXXXXX XXXX picked up the return from my home XX/XX/XXXX XXXXXXXX XXXX.Delivered XXXX, KY, 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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I recently seen a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent from my credit report as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/, 2023 I tried to get a copy of my report to confirm accuracy It says when you call them you can get a free copy because of XXXX XXXX every 7 days. Thats completely untrue If you open a dispute for an address, they hold your file hostage for 30 days and wont even let you view it : so many things can happen in, 30, days. Why do they say you can view them every 7 days for free but you do not mention that if you have an address dispute open, you cant and have to wait thirty days to even see old files much less the new ones unless you PAY to sign up for a subscription service? Thats very misleading and very harmful as people can see so many changes in a 30 day period. 
If they say you can view every 30 days per their site, you should be able to.

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 2023-04-03 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: AUTOMOTIVE CREDIT CORPORATION
State: OH

Complaint narrative:
AUTOMOTIVE CREDIT CORP. closed my account in XXXX due to voluntary repossession after Covid-19 pandemic of a commercial business vehicle that was a part of a company that didnt survive the pandemic. I dont feel this is a representation of my ability to maintain vehicle agreements due to the nature of the XXXX shutdown. This was written off of their books and debt was sold this shouldnt be on my 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
PLEASE READ THE ATTACHED COMPLAINT IN SUPPORT Bank of America, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX responded to the below complaints. 

Each ignored the crux of the complaint, each passed blame upon each other, each submitted review without reviewing the complaint and documents supplied. 

In the case of Bank of American given an the opportunity to preform additional due diligence prior to responding. Instead Bank of America ignored what I told them in my opinion Bank of America instructed their employee to ignore the judicial record and any other proofs of Bank of America violations and harms, Within 31 minutes of a recorded phone conversation Bank of America supplied a pre-authored response with documents Bank of America should be embarrassed. 

XXXXXXXX XXXX response is valueless, XXXX diverts blame and ignores the judicial record and documents supplied Each and All totally ignored in my opinion a collection of gross negligence, deception, fraud, multiple examples of not owing up to fiduciary duties Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2023-04-03 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: IL

Complaint narrative:
I am writing due to the non compliance will Equifax, XXXX, XXXX. They have failed to remove information that I have requested. 

I question the accuracy and completeness of the report. I have attached a Public document with the Secretary of State proving that I hold all rights and titles, and interest to any account listed on the consumer report. I am the one and only true creditor. If there are any inconsistencies regarding my claim. Please have the debtor or the reporting agencies provide certified documents proving that they have a higher claim to than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: IL

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX  date XX/XX/XXXX amount {$100000.00}, account XXXX XXXX XXXX {$490.00} date XX/XX/XXXX, account XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX {$1000.00} XXXX has violated my rights. 
15 U.S C 1681 section 602A stats I have the right to privacy.

15 U.S C 1681 section 604A section 2 it also state a consumer reporting agency can not furnish a account with my written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
Rent Recovery is a debt collections company that is keep harassing me and damaging my credit with inaccurate inforamtion on my credit file and i have disputed this item on my credit mutilple time to all 3 credit bureau. This company information was removed from my credit file but re inserted back on my credit file which is a violation. They have ruined my life by damaging my credit so i cant obtain employment or get approve for a home or vehicle to help me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/XXXX XXXX  with JPMCB Card Services for which I believe is a Bank loan. that The address and phone number is listed as follows : JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/ is XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. 

I personally feel that it is the same two individuals that attempted to secure the previous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: LA

Complaint narrative:
My name is XXXX 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 XXXX 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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: FL

Complaint narrative:
my home was broken into my car vandalized we lost our id and many other persoanl items like ssc and birth cert and other priceless items this company has sold the debt and failed to comply with the fcra guidelines by proving that any of the debt match my address which they could not or i would have seen this sooner please help XXXX XXXX XXXX blance XXXX $ XXXX XXXX XXXX XXXX balance XXXX $ XXXX  account XXXX $ all are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. XXXX finally posted on XX/XX/XXXX. Two payments have now been made to Caliber - one for XX/XX/XXXX and one for XX/XX/XXXX - both in the amount of {$1300.00}. Caliber switched my servicer to XXXX and did not send/post/apply funds before that transfer of service. This changed happened on XX/XX/XXXX, not allowing me time to get funds rerouted. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX closed my account without explanation accusing me of fraud. I have reached out to the company directly multiple times requesting verification of the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The problem with this credit card that reporting is I do not use it very often had the card since XXXX and paid bills on time never had an issue once charge a late fee due to no fault minds and was credited back here now opened card back up and use it again as of XX/XX/XXXX the first payment was due on XX/XX/XXXX which wasn't aware of due date until search account on XXXX reason it paid late I didn't realize the due date and pay it on XXXX afterwords I was charge XXXX late fee now again here it is XX/XX/XXXX, now making another payment which is due on XXXX Due to honest mistake not utilizing the card often and having multiple monthly bills thinking this bill due on XXXX of the month now they charging another late fee for being one day late I contact the company explains honest mistake they refuse to at least credit back XXXX of the late fees charged or both also change the due date to later day to avoid this happening again within two months been charge the twice late fee-paying unnecessary out pocket expense of XXXX the company management refuse to honor resolution something should been done as loyal customer of there service or granted grace periold before late fee charge requesting support to remove the late fees charge on this account and refund back into my balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation