vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I been A victim for identity theft since I was living in XXXX XXXX XXXX XXXX in XXXX New Jersey & I had a police report, also after I moved to XXXX XXXX XXXX XXXX I had another police report for identity theft, that someone using my social to open a two credit card in additional the one I open it on my own responsibility back on 2008, than I decide to close this card with the XXXX  XXXX because I can't trust them any more also I paid the balance in full amount ..., So why now I still see it on my credit report. I am the victim here ..... I am trying to improve my credit score, every account I have I am always on time never being late for my car loan & even I paid off the balance {$24.00} before the due loan time .... Even IAM still see negative side under my social with a different names which is I never have those names before XXXX XXXX XXXX XXXX XXXX ( exact ) XXXX XXXX XXXX ( exact ) Any others names it's absolutely wrong not used by me..... I really need to update my personal information to have a fair reputation I need help as far I am a victim of identity theft To clear up my record & this negative report from XXXX XXXX should be removed from my credit report ..., Specially XXXX  XXXX still send me offer to be a client with them again ) So why if a client being bad with them! Why do you still need me to apply with you again?? 
It doesn't make any sense to nobody. 
Thanks for your support to help me update my record specially I am the victim here

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
On XX/XX/2022 I paid off my debt to Convergent outsourcing. It was for a XXXX account. During the conversation with the representative I told them I would only be paying it if the collections would be deleted off my credit report and they agreed, they said it would be deleted off within 30-60 days. As of today it is still showing up on my credit report, I have called convergent outsourcing 3 times in the past week and talked with 3 different supervisors. They have all told me it will not be deleted and they do not care that someone previously told me it would be. They said they apologize for the wrong info but they will not be sending me a deletion letter. I am trying to buy a home and this is getting in the way of it.

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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I applied for the Barclays XXXX XXXX card on XX/XX/XXXX and have had multiple issues with this card ever since that date, none of which are resolved by calling into their customer service. 

Upon applying online for the card, an offer was made for a 0 % apr balance transfer from any card I prefer. This offer/checked box on the online form showed no direct information of being applicable to have a fee, nor did the brochure spell out a fee involved. Nor was there a popup of any kind to notify me of the fee. 

3 weeks later, I went to use my card on vacation and was decline, at this time I had made at least two payments even though I had yet to receive a formal bill. Multiple times that day my card was declined. I checked online and was over {$1000.00} away from being close to my limit. I called and was told my balance transfer had been completed and that it counted against my available credit limit. At the time I requested a balance transfer, I received no confirmation that it had been accepted or had actually taken place, no text, mail or email explaining the balance and the website did not reflect it. 

I kept sending payments to help get the balance down, even though no bill had been issued. 

Today ( XX/XX/XXXX ) I was checking into my statement and see a fee of {$90.00} that occurred on XX/XX/XXXX, for a balance transfer. I called and they told me there was a fee charged to do a balance transfer ( the transfer they never made me aware that had occurred, and along with a fee that I was never notified of or made aware of ). Currently, I'm still on an hour hold waiting to speak with a supervisor who's employee has already told me that I should've been aware of this " fee '' when I applied ( though there was no notification on their website while applying for the card when the transfer " special '' was offered ) and that I should give up because no one will credit me that fee back. 

Again, never received any mail or email or text confirmation that any balance transfer had been completed in any of this time frame. 

I'm at wits end with this card and feel so taken advantage of by this organization and at the way the card was promoted on the XXXX XXXX flight we were on. No one ever seems to be able to resolve my issues when I call them and they leave me talking to brick walls over sneaky and unethical methods to charge fees to unsuspecting credit card applicants and users. 

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 2022-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
I XXXX XXXX was approved for a Title Loan with First American Title Lending for {$3000.00} upon approval I agreed to repaying the loan in full making monthly payments of {$310.00} per/month totaling {$3300.00} if paid in full XX/XX/2022 {$3000.00}. XX/XX/2022 call to make a payment ask for the balance of the loan representative responded {$3000.00} I ask how is that possible I have made payments from XX/XX/2022 on time to current Rep apologized for the incorrect information provided stated the monthly payments applied was to continue the loan I responded that was not the agreement. I contacted XXXX New Deal XX/XX/2022 ( XXXX XXXX XXXX ) approved the loan paid off the total amount in full to First American Title Lending. 

First American Title Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XXXX XXXX credit cards were acquired by Barclays. I received a letter in the mail stating that my account would be switched over to Barclays and we would get a new card in the mail. I opened my XXXX XXXX Credit Card in XXXX of 2019 with my married name, XXXX XXXX. 
When I received my new Barclays statement my maiden name showed on my account XXXX XXXX but my card came a few days later and it was correct with my married name. 
I called into Barclays and they informed me that their computers were not working and they couldnt help me. I called back 2 days later and the rep refused to help me or make a change. His manager told me I would have to mail in a copy of my marriage license with a note for them to update my account. 
I mailed the copy of my marriage license with the note but today received a letter from them stating that they were unable to fulfill my request because the information was incomplete or illegal. 

This makes NO sense. I sent appropriate documentation as directed and they are refusing to correct THEIR mistake. My information was correct with my previous XXXX XXXX  account and they have my name correct on my account. 

They need to correct this mistake now.

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 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the FCRA my rights have been violated by the following companies listing inquiries on my consumer report ( credit report ) : 15 U.S Code 1681 Section 602 A. states I have the right to privacy.

15 U.S. Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: DE

Complaint narrative:
In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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.

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: CA

Complaint narrative:
Dear sirs, Need your help I had the following Two checks deposit into one foreign Trade company in XXXX, they assigned the name of accounts as beneficiary with East West Bank in XXXX XXXX, California ( details will advise per request ). 

Both checks already withdrawal from my equity loan account with East West Bank. 

Here are the details as below : XXXX XX/XX/22 - {$200000.00} XXXX XX/XX/22 - {$22000.00} Confirmed with East West Bank XXXX XXXX were completed. But the dealer- XXXX XXXX in XXXX just said they received both but want me to deposit {$46000.00} more. If not, the deposit money of {$220000.00} will lost. 

Also with the companys information they provided, after phone conversation with the company in XXXX, no such person in their company. 

In the meantime, I already informed East West Bank the mentioned issues and they just told me today they are unable to help. 

Please let me know what can I do to recovery the money, details as below : No Date Amount Bank XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX : US {$220000.00} For the questions that you may have, you can reach me at my cell # XXXX. 

Also, please do not let my husband XXXX XXXX know, he have severe XXXX now and I will do my best to find the solutions first. 

Your help will be truly appreciated. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instruction.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax about account thats on my credit Report called XXXX XXXX XXXX I have repeadtly called and called stating they have wrong information being reported I have provided them document.. XXXX XXXX even tells me a different day too.. Equifax state that they get thier information from XXXX XXXX but the date it still wrong. I have been asked to get removed fron ny credit report just like the ither credir bureos have removed it but still wont remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based 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 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-07-25 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: NY

Complaint narrative:
XXXX XXXX inquiry has not been removed from my credit report which I did not apply for and previously filed a complaint..this is against the law ..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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Vehicle was voluntary given back XXXX yrs ago. It says my account is still past due and open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
i already have an acct with capital one. i was approved for another credit card. they then restricted both accts. they asked for XXXX months bank statement. I uploaded it. they didn't review it for an entire mth, so they refused to unrestrict it until i sent XXXX to XXXX statement they asked for another bank statement for XXXX to XXXX after they advised me XXXX to XXXX would be useless because its not the latest statement. I uploaded it. they now called and stated they want a bank statement from 3 mths ago now. I have supplied them pay stubs and bank statements multiple times and they refuse to unrestrict both my credit card accts after they verified my identity. it clearly isn't fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I have contacted Transunion to receive my annual consumer report and they have refused to issue me my consumer 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 2022-07-25 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  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
This is FRAUD and pure retaliation from XXXX XXXX. They falsified a pretend and made-up invoice and billed me {$6700.00}. There is ZERO merit in this nor any validity. Attached is XXXX XXXX report XXXX showing house was full of damages when moved in. XXXX  ignored this document. XXXX XXXX is also known as XXXX, who said, XX/XX/2018 that it was I who created images in the home when I did not, as per XX/XX/2018 documentation, which was submitted to court and XXXX  XXXX XXXX was DISMISSED and Judge told XXXX no other fees warranted. XXXX then submitted the FALSE bill to THUNDERBIRD COLLECTIONS. THIS IS FRAUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-07-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXXXX 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: DE

Complaint narrative:
In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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.

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 2022-07-25 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: DE

Complaint narrative:
In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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.

Company response to consumer: Closed with explanation