vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: NV

Complaint narrative:
The credit reports say I was late for a payment on my account in XX/XX/2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of credit.

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 2022-03-08 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Since Suntrust turned into Truist I have had a problem accessing my account and with fees because of it. I went into the branch and they told me they had to stay on hold just like me and told me to call back when I went home because he couldnt stay in hold and had other customers. I have made numerous calls and attempts to no avail. I think they just want to charge fees. We had no problems with access until Truist took over.

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 2022-03-08 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: MA

Complaint narrative:
I have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : Transunion 60 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the three credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives XXXX the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to ADD the XXXX points that were deducted from my credit scores on all XXXX reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!

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 2022-03-08 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: MA

Complaint narrative:
I have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : XXXX 60 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment reported incorrectly on XX/XX/2020 Equifax 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the XXXX credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives XXXX the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to XXXX the XXXX points that were deducted from my credit scores on all XXXX reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX. I am a USA citizen, who operates a day care center on New York City. I have been open since the pandemic started working and saving during this pandemics hard times. On XX/XX/2022 I was charged {$30000.00} dollars via a XXXX transfer from a unknown merchant. I am lost in words and destroyed inside my savings and money to be a home owner is gone. I have filed a dispute with the Wells Fargo bank XX/XX/XXXX, XXXXthe claim number given is # XXXX I also want the help of the CFPB to assist my claim and help me recover the funds that was unauthorized from my account. I have never gave or allowed merchant to charge my account. I work hard everyday to help kids and parents during this pandemic .Then a merchant steals {$30000.00} dollars from my checking account. I want and need this money back in my account as it was indeed unauthorized. I cant run my business without it. This pandemic has increased percentage of fraud and I was a victim. I ask for help recovering my money I believe in America and in our constitution.Wells Fargo never contacted me or alerted me about such XXXX transfers without my consent money was withdrawn. Merchant has stolen money without any service or authorization.There are multiple charges by this merchant I dont recognize. I spoke with XXXX XXXX he told me it was done via Wells Fargo app. They should know how to track data and see I didnt initiate such transfer. If it was down through my mobile banking then why not send me a text notification or call. When I send money via XXXX I get a text notification and email. With XXXX they never notify and let a merchant steal my money.

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 2022-03-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A charge was placed on my credit card for bringing my service animal to a rental property. The rental company XXXX XXXX XXXX XXXX XXXX stated they have a strict no pets policy and they do not care if I have a service animal. Since this is illegal and in violation of the ADA title II & III I disputed it with American Express. American Express has stated that the rental companies policy supersedes the federal law. This is a class b misdemeanor in Texas as well as federal law. I did not authorize the charge and I can not agree to terms of any contract that are illegal. Again this is not a pet or an emotional support animal it is a service animal it and I are both legally protected from receiving charges for my animals presence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
Started receiving calls from phone number XXXX Caller ID XXXX XXXX on XX/XX/2022 at XXXX, XXXX, XXXX & today at XXXX, & XXXX XXXX The caller each time was a man 's voice telling me that they are trying to collect a XXXX credit card debt in the amount of {$18.00}?? XXXX. When I try to explain that the debt has been resolved, I'm told that they are taking me to court and I can explain it to a judge. They are rude and talk over me and threaten to have a lien put on my income or bank account. As I try to inform them that I am on XXXX and the account has been satisfied. I'm told by one caller, " I better get my money back because I am going to court '', the other caller, '' It doesn't matter what i say because I'm being sued, and I can tell it to a judge, good luck in court, then the call is abruptly ended. 

I tied to research the company and discovered there is no such collection company by that name and that the number is a cell phone number without any identifying contact. The number does come up as a medium risk on my caller ID, however, I have received call ID as a risk, and they were legit. I therefore was and am concerned about receiving a call from anyone purposefully trying to fraudulently scam me or any other XXXX  XXXX person. 

Please look into this matter and put a stop to these frauds who seek to take advantage of vulnerable citizens. Something that eventually made me suspicious of this caller was one of the callers told me that XXXX no loner exist, which is completely a lie. XXXX does in fact exist and their XXXX credit card division was sold to XXXX XXXX whom I settled the final part of my debt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal recently placed on freeze on my account. They asked for additional information twice but still refuses to unfreeze the account. I've decided not to use their service but now they wont allow the account to be closed. There asking for so much information that i believe will compromise my identity which has already been stolen multiple times. The account has a zero balance. I've tried to close the account on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I noticed three unauthorized charges totaling {$650.00} on our checking account. The charges were made on XX/XX/2022. I called to dispute the charges and locked my card on XX/XX/2022. I received a letter on XX/XX/2022 dated XX/XX/2022 which stated that {$450.00} was denied due to not reporting this claim in a timely manner. I've been given a provisional credit of {$190.00}. The letter also states this is a temporary credit provided I complete, sign and return an XXXX XXXX XXXX form. I have not received this form.

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 2022-03-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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 2022-03-08 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CA

Complaint narrative:
XXXX which is now controlled by XXXX XXXX refuses to provide information requested. In addition, they will not return phone calls. To make things simple for the CFPB for which I believe is in cahoots with XXXX XXXX because of financial gain. XXXX filed a false entry in 2015 and XXXX XXXX refuses to provide detailed information or return phone calls, and names of people that they say in their letter that verified. Please read the attached document which includes complete detailed information that has taken me many hours to compile because CFPB is in partnership with XXXX XXXX. My only remedy left is to take legal action which I can't afford due to the fact I'm a XXXX XXXX XXXX veteran.

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 2022-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is a past due balance reported on a closed chargeoff account. 
CAPITAL ONE # XXXX 2 credit bureaus not reporting accurate balances. FCRA rules state all 3 should accurately be reporting across the board if it was recently investigated. 
High Balance : XXXX {$0.00}, XXXX {$1200.00}, XXXX Not Reporting Anything They are reporting multiple XXXX  remarks to my payment history after date of last activity. 

Both bureaus also failed to update the Creditors Remarks Section to being investigated I am attaching a copy of my most recent credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank advertises Home Equity loan rates between 4.49 % and 11.99 %. I applied for a {$40000.00} home equity loan with them. I have an XXXX credit score and our LTV would be below 70 % with the home equity loan. The only debt I have is this loan and an auto loan, and my salary more than covers the potential payments with my existing debt. It would be a second lien loan. Even with my exceptional credit, they offered me 8.99 %. This is insanely high, and I would have never applied and wasted a hit on my credit if I had known that Discover Bank would give me such a high rate even with my exceptional credit and low LTV. Discover Bank is using deceptive marketing practices, advertising rates that they never intend to provide. Please investigate and find out how many borrowers actually receive the 4.49 % rate - I'm sure it's close to zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-08 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: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: IN

Complaint narrative:
In XXXX of XXXX through XXXX of XXXX my card which I was receiving my veterans affairs XXXX benefits direct deposit on was stolen or actually the information was stolen off of a cell phone that was stolen from me and I immediately reported it to the cops and I immediately reported it to the bank I filled out all the dispute agreement forms that they requested from me I sent them undeniable proof that these transactions had happened and that I had not committed any of them and no matter how many times I've reached out and tried to contact the bank and resolution to this matter no one will help me no matter what I do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: IL

Complaint narrative:
I receive about 10 calls in a 5 hour period from the collection agency for XXXX debt of {$1000.00}. This has almost costed me my job at times. I have told them to stop calling me after they started demanding I find someone to help cover the cost after having XXXX. I have blocked over 20 numbers they call me from and I still receive muliplte calls a day from them from all different numbers.

Company response to consumer: Closed with explanation