vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 1604a section 2 ). it Also, states, a consumer report agency can not furnish an account without my written instruction under 15uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Old Navy Barclays credit institution reported late payment to credit bureaus causing perfect credit score to decrease by significant amount.

Never had a delinquency with this company. Always paid full statement balance. 

XXXX Monthly/Scheduled Payment : {$30.00} XXXX Balance : {$180.00} 30 day delinquency reported on XX/XX/2023. 

This is devastating due to the fact that I'm in process of purchasing a new home and this will now affect my ability to obtain a mortgage.

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 2023-11-20 00:00:00
Product: Credit reporting 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: NM

Complaint narrative:
I requested my free annual report from all three credit bureaus. I received XXXX of my XXXX reports immediately except for TransUnion. TransUnion demanded that I submitt XXXX different forms of documents like utility bills, bank statements, etc all of which can not be more than XXXX months old. This is an absurd additional burden since the other XXXX credit bureaus had no problem with my identity. I do not live in the US although I still retain and use a credit card. Simply responding is a burden much less meeting their demands.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an account with Capital One bank over the phone, since they do not have office in XXXX. I made a call and they told me that without being a US resident I could open the account and asked me for my Passport and my Social Security. I told him I was from XXXX and he said there was no problem. 
The account was opened and without problems began to operate through XXXX. in XX/XX/XXXX, I tried to make a XXXX and it was not possible ; He called to see what happened and at that moment I They said the account was blocked because I couldn't have an account with them if it wasn't resident or citizen US documents, my response was that my XXXX passport was accepted without any problem when opening the account, and that if there was any error it was not my fault, but that of the person who opened the account for me and entered my XXXX social number ( of which I provided a photo and which very clearly it says Social Insurance Number and a XXXX flag. there was no reason to get confused and think it was an American social number. 
Since XX/XX/XXXX, I have made countless calls to the bank and their response is always that the account is under review by the bank 's security department, I have requested in each call close the account to no longer have my money withheld but their response has been the same " WE SHOULD WAIT FOR THE INVESTIGATION TO BE COMPLETED. '' At that time I did not know what investigation were they talking about since the reason why the account was blocked was for not having a American but XXXX social number These calls are made approximately every month without having any other response. 
that they have given me from the beginning. 
In XX/XX/XXXX, I received a statement from the bank, unfortunately it had been misplaced in other documents and I only found it now in XXXX and opened it, and I realize that there is a withdrawal on the XXXX XXXX for the total value of the account balance, leaving ZEROS. 
I called again and this time they put me through to a person from the security department who answered in English and through a translator, told me that my account was closed because the security department found fraud and the money was returned in a check. I said no had received the check and his response was that I was not the real owner of that money and that this had been returned to its owner. 
I asked him for more explanations but he didn't want to give them to me and that the bank also had no obligation to Give me more explanations neither by phone nor in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested documents from the bureaus, and I have not received anything! Concerning these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Ive did an application for a credit card Ref # XXXX and was rejected. Isnt my failed application a promissory note? So that means you can take my securities and sell them to a third party, therefor I shouldnt have been rejected. Then that means its securities fraud. Especially under an open-ended consumer credit plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sunset Management, Inc
State: SC

Complaint narrative:
there are hard inquiries on my account that was not authorized by me. i didnt give these comapnies permission to run my 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 explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did a review of my most recent credit report and learned that a fraudulent account with Truist bank had been opened in my name and my identity had been stolen.

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 2023-11-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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 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 2023-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Pursuant to 15 USC 1692a, the word communication is described as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. This is a notice to cease all communications pursuant to 15 USC 1692c on this this alleged debt which clearly includes credit reporting as it is an indirect medium. Except you may ONLY communicate with me under the stipulations that you are responding to a cfpb complaint and/or sending me validating documents through U.S. mail . Validating documents must also include the entire purchase agreement to which I had indorsed on this transferred instrument with you pursuant to UCC 3-204. I had not indorsed this instrument ( a.k.a contract ) so you legally can not collect pursuant to UCC 3-203.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Please consider this as my formal complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One keeps adding late fees and reporting my payments late on a closed account and refuses to report accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX Saturday at XXXXXXXX XXXX I tried to withdraw {$800.00} cash from the XXXX ATM located at XXXX XXXX XXXX in XXXX Ohio. The door on the ATM was unlocked and my ability to grab the cash from the issuing door was limited and I was only able to receive {$220.00} of the {$800.00} cash debited to my checking account XXXX. Police were called and police report XXXX was filed with the XXXX Police Dept. Turns out the machine was wide open and someone had left it open. I filed a concern immediately with the Required dept at XXXX. My case # filed with XXXX was XXXX. Provisional credit was issued, and even though the ATM has been active everyday for the last thirty days since that event, XXXX has done nothing. They have failed to provide any writing any documented updates, and blame a third party vendor who they claim hasnt comfirmed the balances of that day. This is the second time in two years this has happened, and once again Huntington bank is an absentee landlord. We emailed to them video evidence of the event which was reviewed and is available and published on the internet. Yet they do nothing. Please help me get my {$580.00} funds back. Questions please call my cell XXXX. This bank either doesnt maintain its atm network or the vendors it comtracts with to manage that system.m Regardless it is the consumer who loses! cc XXXX XXXX XXXX XXXX, file Signed- XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Sent documentation regarding my request to EQUIFAX, they sent an email on XX/XX/XXXX ( past the deadline ) stating there was an issue with my documents. I am not clear on the other documentation needed. 
Submitted ID, my letter, letter from Manager of state entity which was received on XX/XX/2023. I have spoken to several Representatives in the past two weeks and today the Rep told me its Legal Department who is sending me the correspondence via email for additional documents. 

The following case numbers are : XXXX and XXXX According to the CFPB.gov website, credit reporting agencies SHOULD NOT challenge any documentation unless its for identification purposes. 

The following is under the CFPB.gov, Human trafficking details : When can you expect a response from the consumer reporting agency? 

After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. They may request additional documentation only to establish proof of identity identity, to request a victim determination, or to identify the adverse items at issue. They may not, however, challenge whether the adverse information resulted from trafficking. If the credit reporting company requests additional documentation, they must make a final determination within 25 business days of your orginal submission. 

When the consumer reporting agency makes its final determination, they must provide a : statement confirming the review has been completed ; statement explaining the outcome ; free credit report showing the revisions ; description of the procedures used to determine the outcome ; method for contacting them to appeal their determination or revise your submission ; and webpage where you can submit a complaint to the CFPB. 
If you have a problem with credit reporting, you can submit a complaint with the CFPB. For additional information, read the Final Rule and the CFPBs Human Trafficking Fast Facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There are XXXX account reporting incorrectly on XXXX XXXX XXXX. This has caused me to not be able to buy a home or a car for my family and I. PLEASE HAVE THESE ACCOUNTS REMOVED ASAP! THIS IS CAUSING ME TO NOT BE ABLE TO USE MY BANK ACCOUNT WITH MY BANK. XXXX XXXX ACCOUNT NUMBER XXXX. WELLS FARGO ACCOUNT NUMBER XXXX PLEASE REMOVE THESE FRADULENT ACCOUNTS FROM MY CREDIT REPORT/ 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 2023-11-20 00:00:00
Product: Credit reporting 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:
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 These companies used my information without my consent, I did not give any of these companies permission to run 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 2023-11-20 00:00:00
Product: Credit reporting 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:
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  These companies used my information without my consent, I did not give any of these companies permission to run my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
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 These companies used my information without my consent, I did not give any of these companies permission to run 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 2023-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: KS

Complaint narrative:
I had previously requested to be put on the do not call list. I have to pay with my social security check and it comes after the XXXX of the month. They state that I can not change the due date. When I get my check electronically, I try to go online and pay this bill and most of the time the website gives me an error " Network Error ''. This means that I can not pay the bill at the time that I get my money. This results in 5-10 days of added high interest on the loan every month. I have been on hold a total of 30 minutes so far this morning trying to pay this. It has taken 3 phone calls and each time I am put on hold or told that I am calling the wrong department. I am calling the number they list on their website as the customer service line. This has been going on since they had a technology breech and switched the manner in which the bill is paid to a PC rather than the consumer 's cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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:
Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-11-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-20 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-20 00:00:00
Product: Credit reporting 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/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