vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XXXX XXXX  through XXXX XX/XX/2023, I attempted to login to my TransUnion account to remove a credit freeze. The two-factor authentication which TransUnion uses has been down for over two days now. 

Due to the fact I can not unfreeze my credit report, I am unable to have my credit pulled so I can finalize a mortgage on our new home.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANNER CORPORATION
State: OR

Complaint narrative:
Hello, I received over XXXX XXXXXXXX in XXXX funds between XXXX. Someone close to me committed fraud and attached a XXXX XXXX to my online bank account and stole over XXXX XXXX  or more. I file a fraudulent claim with my banner bank and only received about XXXX XXXX back. 

Once I told the bank that I never owned a XXXX XXXX cell phone thats attached to my bank account, they never did anything about but it but closed my online banking. As of XX/XX/XXXX, I am still trying to get the IP address and transactions, transfers and wires that were made by someone who attached the XXXX XXXX to my account. I have not been helped and the manager said she has been denied by the fraud and online banking department for help. I told the manager several times that this is fraud and give them names of who it is, since XXXX, and something needs to be done about this. I have demanded that they give me the IP addresses and transactions from the XXXX XXXX devices that I never owned. 

After saying I will sue, now they might have a list of IP addresses created now. Even after I have been told from the Online banking department that they cant give me any information after 60-90 days. I need to persecute the persons that committed the fraud and I need the bank to help me with the IP addresses asap.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or 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 a 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.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or 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 a 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.

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 explanation
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want you to remove the following accounts as these are violating the FCRA 605B of the U.S. Code 1681C-2

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: FL

Complaint narrative:
XX/XX/XXXX a background check was submitted by Checkr on behalf of XXXX, releasing inaccurate & misleading information regarding my consumer report. Stating I have a criminal history from XXXX, which is inaccurate reporting, negative, & outdated, over 7 years old, another charge of which isnt mine, a XXXX XXXX XXXX XXXX  which is not mine as well. I contacted multiple times regarding the issue, they said theyre not changing any information thats on file, based off the last investigation. Truthfully they never reinvestigated, nor contacted local & state police departments for up to date correct report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had called my bank XXXX XXXX XXXX XXXX XXXX about getting a loan to purchase a car. They emailed me a list of car dealerships that they deal with. They told me when I decide which dealership, I'm going with to make sure that I tell them to go under XXXX. On XX/XX/XXXX, I saw a car I like on XXXX XXXX in XXXX PA website, so I called and talk to someone about the car and told them that I want to go under my XXXX XXXX XXXX. I made sure I told them to go under XXXX. I gave them my information and they told me that they get back with me. Well, the next day I seen that they went through six finance companies without my permission and never went through my Credit Union under XXXX. When I reach out to them about the problem the lady I talk to ( I believe her name was XXXX ) told me that my Credit Union wasn't under XXXX it was under something else ( I can't remember the name she said ) that's probably why they didn't see it. I ask her if she could take them off my credit report and she said that they don't have the ability to do that for me to call the credit bureaus. I called the credit bureaus and explained to them and all 3 said that the car dealerships have to call and take them off my credit report. I called XXXX again and she said okay that she talk to someone about it. I haven't heard from them or seen anything taken off my credit report. When I called again, she told me they can't take it off I have to talk to the credit bureaus. I wrote a letter on XX/XX/XXXX, to all 3 credit bureaus and letting them know what happen and what I want taken off, but I never got a response. Can you please help me with this. 
This what I wrote to you like XXXX months ago and you said you couldnt help because you couldnt find the company. I believe I gave the address and phone number to you. Hopefully you can help me with the credit bureau. I call couple of times and sent in a few letter to get the items off my hard inquiries. They saying ( TransUnion and XXXX ) to call each financial company thats on my inquiry and get a letter saying that its not mines. I dont know why I have to go through this. Where is my rights at. Can you please help ATTACHMENTS

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 2023-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: SC

Complaint narrative:
I'm a co-signer for my daughter XXXX XXXX we got on a three way call and they set up a payment plan of around XXXX foe a hardship. They said in three months the payment will come out automatically. Three months later no payment came put XXXX her account. I called Sallie Mae to find out why and got treated like XXXX. I asked her to please go back and listen to our phine call and to just set XXXX up on the payment plan and let 's move forward. She said I had to pay a crazy amount or your going to another department. The best day I git a call saying it was in I think retention and there qas nothing they could do unless we paid the balance. We asked for a hardship was told it was approved we called to find out why the payment did not post and get no help. A willing consumer willing to work out a payment and they do this. They keep calling me to refer me to retention and I work all day and do not have 2 hours to get put on hold. I asked the representative if they could have that department call be baklck after reviewing my file so, I don't have to repeat myself and he said he could not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: KY

Complaint narrative:
XX/XX/2023 - Notified by credit alert that Village Capital had reported mortgage payment ( XXXX ) over 30 days late. This caused a huge drop in my credit scores with all three credit agencies ( XXXX, XXXX, and XXXX ). I have a copy of letter from bank that mortgage payment was mailed on XX/XX/2023 via check direct to Village from bank. 

Village Capital has refused to acknowledge payment was received by XX/XX/2023 and their company did not process the payment. Customer has a solid payment history and has never made a mortgage payment over 30 days late to Village. 

If there was a problem with the payment, the right thing to do is contact the customer, especially a customer with an excellent payment history, before automatically reporting a payment over 30 days late to credit reporting agencies causing 7 years worth of credit damage for the consumer. 

Village Capital should remove this incorrect and unfair late payment report from this customer 's credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or 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 a 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 tha

n 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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX I made a payment at around XXXX XXXX through my apple wallet in the amount XXXX of which XXXX was made from my apple cash balance. On XX/XX/XXXX at XXXX apple card charged me interest in the amount of XXXX. I called Apple to inform them of the error and was told a billing dispute would be open. On XX/XX/2023 I received a call from Apple indicating that they didn't process the payment until XXXX XXXX on XX/XX/XXXX and wouldn't credit me back the interest. There seems to be a processing error on their end as the payment was made at XXXX XXXX through Apple wallet not my bank. This caused my card to reflect over the limit and report negatively to the credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ME

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. 
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 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.

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I learned about the fraudulent transaction when I received a bill in the mail from Synchrony Bank. I thought this credit line/credit card was closed when it was paid off four years ago. I reached out to Synchrony to file a fraud investigation. They were very unprofessional, transferred my call many times and then disconnected the line. After several attempts, I learned someone went into XXXX XXXX XXXX  in the XXXX, NY and made a purchase for my max credit line of {$11000.00}. The person showed a photo ID and a XXXX credit card. I informed Synchrony that I do not have a XXXX credit card ( something that can be easily verified through my credit report ) and that I was no where near the XXXX, NY on XX/XX/2022. I further explained to Synchrony that I was working for my employer, had a swim session for my son, and a dentist appointment that day. Three different places that can validate my location in XXXX New Jersey. After months of gross negligence and failure to properly handle my case I filed a police report. The police report was filed on XX/XX/2022 with the XXXX XXXX Police Department. Case # : 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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Wells Fargo bank who violated the Electronic Fund Transfer Act ( EFTA ) for their failure to provide me with proper notice before closing my checking account and 15 U.S Code 1681s-2 They charged off my account and still contact me daily to pay the charged off amount. even calling almost XXXX at night!! Received call at XXXX to be exact!! Which is a HUGE VIOLATION OF CONSUMER LAW & MY RIGHTS!! 
On XX/XX/XXXX I received a letter from Wells Fargo through email stating that my account had been closed due to being overdrawn. However, I had not received any prior notice or warning that my account was in danger of being closed or charged of! No Alert no warning no attention or anything! Wells Fargo even has a inbox message center where theyd typically send important messages or notices- I DID NOT RECEIVE ANY Warning in that inbox either!! If I did I wouldve tried everything to prevent my account being closed where it be taking out a loan or borrowing from a friend. I was in such dismay I cried for almost a week because I was planning on purchasing my first home later this year & I know one of the requirements is having a bank account thats been open for a while but Wells Fargo CRUSHED that dream of mine! I had my bank account open with them since XXXX! -when I was still in high school!! Now Im less than 5years away from being XXXX old & they proved to me how cold they really are! 
I have been a customer of Wells Fargo for 7 years, I believe that the bank 's failure to provide me with proper notice before closing my account has caused me significant financial harm and emotional distress as a result of the account closure. They closed my checking account for owning {$670.00} which almost {$300.00} of that were OverDraft fees THEY ADDED!! I pleaded with them for weeks to re-open my checking account and they refused!! Its evil to Try to collect while u already charged of my account and refuse to compromise!

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 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Credit Bureau, I am writing to inform you of an error in my credit report that requires immediate attention. Upon reviewing my credit report, I noticed that my account with [ XXXX XXXX ] is still being reported as a violation, despite the fact that I have been making on-time payments from XX/XX/XXXX to XX/XX/XXXX. 
I would like to request that you remove this violation from my credit report, as it is not an accurate reflection of my credit history. I have been diligent in making payments on time and ensuring that my credit remains in good standing. 
I understand the importance of having an accurate credit report, and I would appreciate it if you could update my information accordingly. I have attached a copy of my payment history for your reference, which clearly shows that I have been making on-time payments as required. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy. 

XXXX  Account # XXXX, has violated my rights 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation