vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: TN

Complaint narrative:
I have made MULTIPLE attempts at clearing up fraudulent inquiries on my credit report and have been told now 3 days in a row that they will be removed in 24 hours and even had a direct phone number and extension of a rep who said it will be done and it still has not been corrected. This will be my last attempt at having these inquiries removed before i seek to go the litigation route and sue for all 4 inquiries being reported on my report despite not even giving permissible purpose or authorizing these inquiries. 

The inquiries that are fraudulent are listed below with the date and name of the company. 

XXXX : XX/XX/2022 XXXX XXXX  : XX/XX/2022 XXXX XXXX  : XX/XX/2022 Experian XXXX XXXX : XX/XX/2022 These are FRAUD/Identity theft!!!

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 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account and XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, 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 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I received notifications that I have a potential negative error on my credit report from a company Sunrise Credit Services, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX, XXXX for XXXX XXXX. I have never received any written notification and they are reporting inaccurate information. Sunrise is showing false representation of ( a ) the character, amount, or legal status of this 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 explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wrote a letter complaining about inaccurate and incomplete credit information in XX/XX/XXXX and I have not received any response until XX/XX/XXXX. I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS/XXXXBANK 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 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
My ex-husband owns the vehicle. He pressured me into being a CO-Signer for him while we were still married. I found out a couple of months later that I was added by the dealership as the main account holder. I tried to get that taken care of but Ally Financial refuses to help me. After our divorce in XX/XX/2021, my ex husband was awarded the car and took FULL responsibility of the vehicle and it was approved through the courts. Him and I both contacted Ally financial to show proof of that from our court papers and they refused to look at them. I am not supposed to be on the vehicle at all at this point but nobody is willing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I'm contacting you today due to my issues happening on my account. Since 2020 when the account was transferred over to you guys I was not paying escrow due to me being XXXX XXXX XXXX XXXX Veteran. The action of adding the escrow caused my mortgage to double because the lender added insurance and taxes that were not supposed to be added due to me having insurance that was in place in time of closing on the home. These actions around XXXX caused my account to become delinquent over 30 days even though I have been paying my mortgage. All my current payments aren't being applied to the account correctly because I'm only paying half the mortgage payment and not the double amount that is incorrect. Me and my wife 's credit also took a huge negative blow and needs to be fixed due to all the issues occurring even though i didn't have an escrow prior to the loan transfer. my account needs to reflect correctly so someone can figure this out.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I have never had an XXXX XXXX XXXX account in my life I have never had any XXXX XXXX XXXX connected services in my house I called recovery repair reporting agency they told me I had connected services in my house at XXXX XXXX XXXX that is not true I have never had any XXXX XXXX XXXX accounts in my life however I keep getting this same account reoccurring in my credit every 2 months I have to dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: LA

Complaint narrative:
I checked my credit report and noticed a recent credit card opened for US Bank, I have never applied for this card. It dropped my score by XXXX points. I have tried several times to contact US bank and the hold time is over an hour. I need this off my report, and investigated to see whom initiated this fraudulent credit card under my name.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Acs XXXX XXXX XXXX  account and XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, 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 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Acs XXXX XXXX XXXX account and XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, 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 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 XXXX U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In receipt of the result of the first investigation from Equifax dated XX/XX/2022 from my request years ago, they said in writing that the accounts are verified being reported correctly without providing me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

They also failed to provide me the method of verification s required under Section 611 ( a ) ( 7 ). As per Section 611 ( 5 ) ( A ) of the FCRA, they are required to delete all information which cant be verified. These accounts are : XXXX CARD SEVICES XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CARD SEVICES XXXX I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX information to post or report negative remarks on 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 non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I got scammed, i sent {$650.00} to XXXX XXXX on XX/XX/2021 and on the Venmo receipt for the transaction it says, this payment is to investigate my sister XXXX XXXX. I never received anything from this man so i first tried filing with Venmo but they are helping the thieves because they first said they couldn't help because it was a transaction among friends then when i pointed out what my receipt says they just ignored me. I cantacted us bank and they refused to do anything stating they had no proof that this money was for services, i sent them the receipt and called them over and over. In the end they admitted the only reason they wouldnt refund my money was because it went through Venmo and they knew Venmo wouldnt help me. Now on XXXX website is says, Dont worry we have your back! That payments are protected!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello good day! Hope you're doing well, reason I'm typing this is because I have several hard inquires on my credit report that are unauthorized, I already spoke with the creditors ( Capital One ) and credit bureaus specifically XXXX and was recommended to make a CFPB report about this situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account 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 2022-04-15 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX  # XXXX, has XXXX 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 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I would like to report a concerning discrepancy between my payment made in full to XXXX XXXX XXXX XXXX debt collections service company, Sunrise Credit Services, and lack of payment confirmation from XXXX XXXX XXXX. My credit report incorrectly indicates that my {$8500.00} XXXX XXXX XXXX debt was, " charged off. '' This information is incorrect as I provided my account number and my bank 's routing number to Sunrise Credit Services with the understanding that they would pay off my debt, update the credit report and expeditiously notify XXXX XXXX XXXX of my payment status. XXXX XXXX XXXX provided me with a secure credit card after enduring a difficult and unexpected financial period. Unfortunately, during the XXXX pandemic, I fell victim to identity theft, cybercrimes, and fraud. I keep in contact with XXXX XXXX XXXX to ensure I upheld by my customer responsibilities, and integrity as a loyal law-abiding consumer. For the record, the XXXX XXXX XXXX team was accommodating, and provided me with options to resolve the unprecedented dilemmas that arose during the COVID-19 pandemic. For security purposes, I closed the account with the intention of reopening an account at a later date. On XX/XX/2022, I happily made a payment, in full, to XXXX XXXX XXXX, through the debt collections service company, Sunrise Credit Services www.sunrisecreditservices.com, XXXX. On XX/XX/2022, Sunrise Credit Services withdrew the total amount of {$8500.00} from my checking account. I felt the weight lifted off my shoulders and was relieved I finally paid off my debt to XXXX XXXX XXXX. Unfortunately, to date, my payments to XXXX XXXX XXXX via Sunrise Credit Services are still not reflected on my XXXX XXXX XXXX account, nor have been updated on my credit report. My credit report incorrectly indicates that my XXXX XXXX XXXX debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my account number, routing number and payment in full, via phone to XXXX XXXX at Sunrise Credit Services. I am concerned my payments were misappropriated.

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 2022-04-15 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: Netspend Corporation
State: FL

Complaint narrative:
I XXXX XXXX am disputing the transaction that settled on XX/XX/XXXX XXXX in the amount of XXXX. When I went into XXXX XXXX  on XX/XX/XXXX at XXXX to do an over the counter withdrawal the teller XXXX XXXX informed me after swiping my card twice that the transaction did not go through. I told her my netspend account showed the transaction was pending from XXXX XXXX  in the amount of XXXX. The branch manager XXXX XXXX then informed me that the transaction would automatically fall off because the funds were not taken on there end. She promised me the funds would automatically reverse. The next day around XXXX am I noticed the transaction from XXXX XXXX  showed it had posted and the funds were taken out. At this time I went back to XXXX XXXX  to show them the transaction had settled they told me the funds were not collected on there end and I needed to file a dispute. This was my money from my XXXX payroll deposit. I am without money at this time. I go to this bank every Wednesday to do this same over the counter withdrawal if you check my records. I have XXXX small kids and am now without any money. Please fix this the cash was not given to me and I have the e-mail I sent to the branch manager XXXX XXXX advising her that the amount had settled and was taken. I am attaching the e-mail below. I have been with netspend along time and have never had this happen. I was also provided with chase reference cancellation number XXXX Please fix this! 


XXXX XXXX XXXX standing XXXX XXXX XXXX fl 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 2022-04-15 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: GA

Complaint narrative:
I have credit inquires on my credit report that I did not authorize on my Experian report. 
Inquiries : XXXX XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21

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 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 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 explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I received a letter dated XX/XX/XXXX from my XXXX XXXX XXXX XXXXssued through Citizens bank. 
In this letter i was informed that your agency made a ruling that allows them to change my fix interest rate credit card to a variable interest rate. I've had this card since XXXX and have an interest rate of 7.74 %. they are now informing me that this rule is discontinuing the use of the XXXX index so now they will be using the prime rate. So as I understand it my interest rate is now a variable rate which will obviously go up now that the prime rate is going up. I did call the credit card company and the rep said that it is CFPB that is responsible for this change. How is this possible? I thought you were supposed to an advocate for the public. Please explain how this can happen. 

At the end of this claim I put Citizens bank but I hope you revue this first because if the CFPB has made a ruling that allows credit card companies to make this change then my problem is with the CFPB as the CC companies are just taking advantage of a ruling you made in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, my identity was stolen and someone tried to purchase a XXXX phone in my name. A police report was made, contacted all credit bureaus and am fraud alert was reported to XXXX. XXXX apologized and the debt was immediately removed from my credit reports. 

On XX/XX/XXXX, Received a notification from Convergent that I owe the creditor XXXX XXXX {$1800.00}. I called them to explain that I do not owe this money and to bring this back to me after I dealt with an emotional experience with identity theft was unfair. After the conversation, I thought they understood but I continue receiving the same letter month after month. I received another letter today and I am tired. I want them to stop and leave me alone.

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