vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from 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 2023-02-16 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/2022 {$28000.00} I have no title to the vehicle, I have requested my registration and tags from the dealership, I have requested to stop payment of {$600.00} per month, a loaner or rental car to get to work because I have no tags, I have asked to cancel the business deal because it's fraud, take their vehicle back and give me my down payment, remove all debts off my credit to date there have been no resolution Capital One auto XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-02-16 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: CA

Complaint narrative:
Barclays and the " office of the President '' keep blowing me off, but they are going to get a lawsuit if this is not dealt with and completely resolved off my credit report by XX/XX/XXXX. 

To be crystal clear ***I NEED TO SEE A FULL YEAR OF CREDIT CARD STATEMENTS FOR XXXX OR I WILL BE FILING A LAWSUIT FOR FRAUD AND WILLFUL NEGLIGENCE. *** And do not dodge this request, XXXX, or ignore my phone calls or emails again, or this will escalate into a lawsuit and Barclays will lose. The fact that I've had to file consecutive complaints through the XXXX just to get through to them at all speaks volumes about the level of XXXXXXXX XXXX that is going on and they are going to pay for it. 

If more details are needed - see my previous 2 complaints as this is a systemic failure on every single level. XXXX is supposed to protect consumers and that is not what is happening. THIS IS NOT OK!!!

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 2023-02-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or a list of inquiries 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 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 or 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/23 Bank of America transferred funds without the consent of the account holders to cover an overdraft on an account that has been opted out of overdraft protection. I have spent hours being bounced around to 5 different people at different departments all saying someone else would return the money only for another agent to tell me that they're allowed to take money from any account and will not stop the transaction in spite of the account not being allowed to make overdraft transactions and being opted out of 'overdraft protection '.

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 2023-02-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Incorrect Information on Credit Report. XXXX Report Credit Agency is Reporting incorrect personal agency. Asked several times to to updated and corrected the information. The Agency is displays black outs on there website making it difficult for consumers to dispute information. They are violating consumer rights and personal information. Contact in the month of XX/XX/XXXX and XX/XX/XXXX. To updated information.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Incorrect Information on Credit Report. XXXX Report Credit Agency is Reporting incorrect personal agency. Asked several times to to updated and corrected the information. The Agency is displays black outs on there website making it difficult for consumers to dispute information. They are violating consumer rights and personal information. Contact in the month of XX/XX/XXXX and XX/XX/XXXX. To updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I did a loan with the company and I signed paperwork but it's on a truck that has already been sold and they know about it. They are miscommunicating what the loan is for. Harassing neighbor 's that I did not put on my contacts. I asked the lady when she arrives about this she gave mixed response. I asked if she contacted my 2 neighbors because they might have loans there she stated yes the one did. I told her how that is not allowed to discuss my business with another client of theirs

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 2023-02-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I am complaining about my mortgage not showing on my husbands and my credit report with Experian credit agency. 
Our original mortgage was with XXXX XXXX XXXX. The mortgage was transferred to XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX XXXX 
I emailed and called XXXX on XX/XX/XXXX regarding, the mortgage not showing up on our credit report and was told the mortgage is being reported to the credit agencies. I was told by the representative that Ill need to contact the credit agencies to find out why the mortgage is not listed on our report. 
I called Experian on XX/XX/XXXX at XXXX XXXX  using the number, XXXX regarding this issue. I spoke to XXXX in the Customer Service department. He transferred me to XXXX in the Dispute department. XXXX stated, the membership department should be able to update my file and he transferred me to XXXX in the membership department. XXXX stated that my mortgage will not show up on my credit report. I asked to speak to a manager. I spoke to XXXX and he stated that he can not make any updates to my credit report, only the dispute department can do that. I told him I talked to the dispute department and was told the membership department can only make the change. 
I decided to make a complaint, because I have tried to get this resolved since XX/XX/XXXX. Our credit file does not show we have a mortgage listed on it and my husband and I pay our mortgage on time every month and we deserve to get credit for it. 
I look forward to your response to my compliant. You can contact me via phone XXXX or email address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
This company allows the furnishing of inaccurate late payments on my credit report which is a violation of my privacy under 15 US Code 1666b XXXX XXXX XXXX : Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN SEVERAL CREDIT INQUIRES THAT IVE NEVER APPLY OR REQUESTED, THIS INQUIRES ARE FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD INQUIRES THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT HERE ARE THE INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN SEVERAL CREDIT INQUIRES THAT IVE NEVER APPLY OR REQUESTED, THIS INQUIRES ARE FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD INQUIRES THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT HERE ARE THE INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX CXXXX 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 EQUIFAX MORTGAGE SERVICE XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
XXXX. In the month of XX/XX/2022 i made 7 transactions of same amount {$1500.00} and one of {$1000.00} to purchase my XXXX package from XXXX ( Package provider ). 
Because of the high value international transaction my card was blocked as a result bank replaced my card. 

XXXX. The XX/XX/2022 statement reflects all the transaction including BALANCE TRANSFER due to replacement CARD and shows the NEW BALANCE = {$12000.00} XXXX. On XXXX XX/XX/2022 i made full payment of - {$12000.00} to paid off last statement balance XXXX. Since my trip was canceled by the provider, they made refund of {$11000.00} on XX/XX/2022 and XX/XX/2022 XXXX. On XXXX XX/XX/2022 i received Refund check of {$11000.00} from the bank against my request XXXX. All the above activities ( 2-5 ) reflects on the statement of XX/XX/2022 and shows the NEW BALANCE = {$340.00} XXXX. I was using my card as usual and everything was fine until XX/XX/2022 XXXX. In the month of XX/XX/2022, i suddenly found an entry of " BALANCE TRANSFER XXXX GA '' with the amount of {$1500.00} in the transaction detail section. Then I went through all my statements since XX/XX/2022 ( as available in the portal ) very mindfully but did not find any reason or evidence to justify this balance transfer. 

XXXX. I started talking to the bank and asked them to explain me the scenario, however, no one was able to explain anything rather than transferring the call from one department to another department. In the mean time fraud department again initiated a card replacement process. 

XXXX. Then on XX/XX/2022 i found another ( 2nd one ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} on top of the previous balance issue XXXX. Then after a lot of phone call one Custome Service Representative was able to understand that this balance transfer is not valid as because there is no such evidence in the past statements. He then initiated a process for adjustment and on XX/XX/2022 i found 2 adjustment happened. 

XXXX. I was so happy as the issue was resolved, but then on XX/XX/2022 i found again another ( XXXX XXXX ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} has come. 

XXXX. I started calling the bank again but there is no resolution. At one point they asked me to wait for the next bill cycle that may resolve the issue but nothing happened rather the bank started charging me interest. 

As of now i am not getting any further cooperation from the bank therefore seeking your help to save me from this huge personal liquidity damage. 

On the other hand, if i really owe anything from bank then i will for sure pay off the amount instantly.

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