vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ TransUnion and XXXX XXXX, XXXX XXXXXXXX XXXX XXXX [ TransUnion and XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ TransUnion and XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 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. 
Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.

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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called US Bank to get my XXXX removed at the one year mark in XX/XX/XXXX. They were aggressive and abusive on the phone. They lied saying XXXX could not remove XXXX stating that law requires you to keep it longer. Finally I spoke to XXXX XXXX, their Vice President of XXXX XXXX. He told Me he would get it removed. At that point I had already paid for an appraisal ( they misapplied the funds- this comes up again later ). XXXX told me the XXXX  would be removed as of XX/XX/XXXX. About a month later I received a check from US Bank stating I had an overage. It was the equivalent of one months XXXX. Then in XX/XX/XXXX they sent me a mortgage statement but were adding additional costs that I didnt understand as my mortgage payment was fixed with no escrow account. Them I figured out by calling that they wanted the money for that XXXX  overage back, but were charging me 1/12 for the next 12 months. To make things clear, the first month, I mailed the mortgage payment and the extra 1/1XX/XX/XXXX payment separated so it would be easy to understand. They screwed it up. For the last four and half months I have been working to get their payments department to correctly identify payments so the XXXX  would be fully paid off. I mailed in full amount so I wouldnt be paying it off monthly for the next year. I have spent no less than 18 hours working with them to fix their errors. Last Friday I received XXXX notices of foreclosure. Today I received a mortgage statement stating I owe over {$9500.00} dollars. I have made every single mortgage payment. This type of problem is very emotionally distressing. On top of all this when we closed on out loan, 3 months later US Bank sent more new disclosures stating they had done the disclosures wrong during our closing. Im XXXX exhausted. I need the regulating agency to investigate US Bank and their abusive practices to their customers.

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 2022-04-25 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: OK

Complaint narrative:
On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.

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 2022-04-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I thoroughly observed my credit report recently and noticed my personal information was inaccurate. I sent letters out to the XXXX credit reporting agencies asking that they update my personal information. I sent my first round of request out XX/XX/2022 and the second round request XX/XX/2022. I have yet to receive any type of correspondence from any of the credit reporting agencies. I asked if they would only provide my current address and remove all other non applicable addresses as well as phone numbers, employment and the way my social security number is displayed on my 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 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX and Equifax via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of EducationXXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX  Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit report act XXXX XXXX  Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a member with this company for about 7 years and have not received approval for credit limit increases.I have great payment history with them and feel like i've been discriminated against even though I have had multiple increases in my salary since started a relationship with this firm. I have received multiple adverse action letters from this company! while I have 2 accounts from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: VA

Complaint narrative:
On XX/XX/22 credit report was given stating points decreased due to one unpaid bill with MRSBPO collections. Called this company and was informed of ( XXXX ) area code with Florida address had opened an XXXX mobile account back in XXXX XXXX and amount pending was {$2200.00}. I never lived in Florida nor do I own a mobile number starting with area code ( XXXX ). I did not give consent or open an XXXX mobile account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank/ Victoria Secret has been reporting an account for {$460.00} on my consumer report for a couple years now. They illegally sold the account to a debt collector involving my social security number which is considered my credit card. This has been without my knowledge and it is considered unauthorized use Pursuant 15 usc 1602 ( p ). This is defamation of my character and has caused me emotional distress. I am demanding that this account is removed from reporting to my consumer report permanently. I have sent Comenity Bank/Victoria Secret a letter certified mail XXXX XXXX and waiting for this issue to be solved immediately as it is stopping me from many opportunities over the years pertaining to extending my credit out to other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
NCTUE has wrong information ( former name and address ) on my report. I am unable to reach anyone to make a request for a revision and I am unable to make a request for a copy of my report. I placed a security freeze on my account on XX/XX/22 and they provided me with a written confirmation with my former address on it. This mail is going to be delivered to an address that I haven't resided at for 6+ years and will include by personal PIN for my security freeze!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a certified letter with return receipt requesting a description of the procedures used to reinvestigate my consumer report. The company did not send me a copy and only sent to me the disputed results as of today XX/XX/25 after being 15 days passed the alloted time to send me the reinvestigative results.

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 2022-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchant Credit Guide is a debt collector trying to collect a debt for a XXXX XXXX XXXX XXXX the owner will have his employees stop calling me and i get phone calls every month and this has to end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  US Dept ED # XXXX, has violated my rights. 

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  US Dept ED # XXXX, has violated my rights. 

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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Today, Monday, XX/XX/2022, I went to use the ATM at US Bank because it is one of the locations that XXXX XXXX XXXX customers can utilize. I was having issues with the machine malfunctioning. I put {$100.00} into my XXXX XXXX XXXX checking account so I could get cash to pay for my taxes being done and my city sticker. I tried putting {$20.00} 5x so I could withdraw 5 of the {$20.00} bills at once. The ATM kept kicking that amount out and only let me withdraw it one {$20.00} bill at a time. That was a real headache in itself. I withdrew a total of {$60.00} ( {$20.00} ) 3x. Then I attempted to withdraw another {$20.00}. The drawer did Not open for me and the ATM spit out a withdrawal slip. Then there was an error message on the screen that read that I should take the money ( {$20.00} ) or it would be retracted. I could not retrieve the {$20.00} because the drawer did Not open. I looked at my checking account on XXXX XXXX XXXX and it showed {$80.00} coming out of my account!!! I immediately notified XXXX XXXX XXXX and they filed a claim. I told them I need this money back in my account right away. I am a senior citizen and I only had a little money left in my account. They told me I might have to wait up to 10 days for a temporary credit!!! This is unacceptable. This is Not my fault. I then contacted customer service at the US Bank Branch where this occurred. They said the ATM belonged to a third party and there was nothing they could do. I asked if they had the name and contact information for the third party and she said they did not??? That doesn't sound right. She told me to file with my bank, XXXX XXXX XXXX. She said the third party would have to do a count of the money first. I asked when that would happen and she had no idea. This is crazy. I need this addressed right away, .I want my {$20.00} back in my account now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was overcharged twice by XXXX XXXX XXXX XXXXXXXX during my stay from XX/XX/2022 through XX/XX/2022. I was prepaying one week in advance. The hotel double-charged me on : XX/XX/2022 for {$590.00} and on XX/XX/2022 for {$550.00}. I was laid off my job on XX/XX/2022, so I left the hotel on XXXX XXXX. They should have refunded me for the {$550.00} as I didn't stay for that week ( prepaid ) and there was a second debit from my credit card on XX/XX/2022. 
I sent a detailed schedule to Citibank that demonstrated the dates I was at the hotel and corresponding payment from my credit card and one payment from my debit card. The schedule clearly shows the two overcharges. Citibank temporarily reversed the charges in XXXX, but last week they returned the charges. I was clearly overcharged when you match payments to dates of stay. The entire ordeal has been extremely stressful. Now, I am out of pocket {$1100.00}. Each time I call the Citibank, I am on hold for extended periods. The Citibank representatives I have spoken with have been unwilling to assist me. They claim it is my fault for not responding - but I have responded. When I called XXXX XXXX to voice my concerns, they hung up on me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX keeps insisting that this account belongs to me but the address isnt showing any addresses Ive ever lived at & the date opened on this account is incorrect in addition to the active date being inconsistent as well as date of last payment being inaccurate. Even if this was my account it still has many discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
i have one loan with them 8 % and got another car and its 16.9 % which i believe is wrong. I make my pymts and pay more than the amt on the 1st car.

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