vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: NY

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 : XXXXT XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened a Goldman Sachs savings account through XXXX XXXX, and funded it with {$250000.00}. Yesterday ( XX/XX/2023 ) my account was frozen with no explanation given -- I tried using chat support but they indicated they had no idea why my account was locked, and I have spent 4+ hours on hold trying unsuccessfully to reach someone over the phone. I suspect this may be an erroneous fraud alert as I tried to use this account to pay one of my credit cards. My funds are being held hostage for absolutely no reason and with no recourse. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Those inquiries were not Authorized and Customer services representative were not capable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA NA has demand payment of the aforementioned loan document first on XXXX XXXX, BUT WAS NOT ENTERED INTO VA. DATABASE UNTIL XXXXThe loan has been transferred over 18 times noted in XXXX XXXX Supreme Court through XXXX Banks. ( see court records ) It has now been transferred back to XXXX XXXX XXXX without sharing the information that we have asked for in truth of detail.We understood that the last assignment was BOFA MERRYL LYNCH ASSET INC An Accelerated foreclosure is set up for XX/XX/ and we are demanding the RIGHT TO CANCEL

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 2023-05-04 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: MS

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX - I contacted USAA because I was interested in obtaining a vehicle loan for a used ( XXXX XXXX XXXX with XXXX miles ). The advertised rate was " as low as 5.39 % '' published online and the representative on phone said the best rates for the day were " as low as 5.5 % ''. He also said they do not utilize soft-credit checks and my rate would be finalized after a hard-credit check. 

I submitted my information and was quickly approved at 6.79 %. I called the representative and was told that he has no information on how the rates are provided. I asked for more information on how to obtain the best interest rate of 5.5 %. He said the underwriters provide the rates and will not interact with the public so I would have no way to get this information. He did say that I had a credit score of XXXX ( excellent ). 

I called back ( multiple times ) to file an official complaint to obtain more information and after being disconnected ( multiple times ), I was able to submit a complaint and request a call back. USAA has not contacted me to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: IL

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, IL 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 XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXX XXXX  XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} 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 non-monetary relief
Consumer complaint received 2023-05-04 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: IL

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, IL 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 XXXXXXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$900.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My payment plans have been changed numerous of times on my behalf however by the payment management plan has been changed the monthly balance still applied each month in which it have been giving me late balances on my payment which I have being trying to catch up. I was told that Im not paying enough towards the balance which I dont understand. Im paying XXXX bi-weekly and the XXXX is still being added towards the account. Some part of the balance was payments where being made and the monthly payment is still being added. To the account I have been asking to speak to someone about the account in financial department and not being able to do so.

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 2023-05-04 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: ND

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
On XX/XX/ I had wrote my complaint against the company ( jd byrider /cnac ) for wrongful /illegal repossession when in fact I was not defaulted on my payment on the vehicle and as well to get the Tradeline removed from my credit since they did reply back on XX/XX/ that they did collect the vehicle and were going to keep the vehicle and relayed that Cnac would cancel my open account and as of XXXX the tradeline would be removed from my credit report expeditiously, .. well here I am once again making a second complaint because of the false information Cnac has one again lied and relayed to me, by which my next stance is to go forward with my full legal civil suit because I havent given them time to correct their horrible unprofessional mistakes and vindictive practices. Im making a record of this second complaint due to have on record I have obliged myself to try to get a right solution from this company but if the tradeline isnt going to be removed as it was stated to me in the reply from Cnac then Im left with no choice to pursue full legal action against them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this complaint to express my concern and frustration regarding TransUnion 's inaccurate reporting on my credit report. Specifically, TransUnion is reporting a fraudulent XXXX XXXX account that is also a duplicate account, which is causing significant harm to my life. I have never authorized or opened a XXXX XXXX account, and this fraudulent account is having a negative impact on my credit score and ability to obtain credit. Additionally, the fact that TransUnion is reporting a duplicate account is further compounding the problem and causing further harm to my credit and financial well-being. 
I have repeatedly disputed these inaccuracies with TransUnion, but they have failed to correct their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me undue stress and hardship. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion corrects its reporting on my credit report. I also request that TransUnion be held accountable for their failure to correct these inaccuracies in a timely and appropriate manner. 
Furthermore, I request that TransUnion provide me with a corrected credit report that accurately reflects my credit history, as well as any documentation or evidence they used to verify the fraudulent XXXX XXXX account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, 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 2023-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp.
State: IL

Complaint narrative:
I logged on to my XXXX XXXX account and notice my points went down a lot. I checked to see why and noticed a collection on my account that I did not recognize. It was for Aspen Finacial and the amount was around {$2600.00}. I called the collector and let them know this was not me and was fraudulently done. They said this was an account opened XX/XX/2019. They told me to get a police report and send them documentation as well as report to this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am writing this complaint against Target for Breach of Agreement. 

I called and spoke with a Target collection representative on XX/XX/XXXX and requested a settlement on a charged off account. We agreed to a one-time lump sum payment in the amount of {$520.00}. Target received payment by check per this agreement and drafted find out of my bank account which posted on XX/XX/XXXX. Target reported the balance on this account as removed and noted paid in full for less - charged off on my credit files at the three major credit bureaus. 

6 months later on XX/XX/XXXX, I received a refund check through the mail from Target in the amount of {$520.00}. I called and spoke to a Target collection representative. She informed me that the balance of {$520.00} was somehow reinserted but she did not elaborate on why. 

Target is now reporting a delinquent balance of {$520.00} while simultaneously reporting this account settled in full for less on my credit report even though Target drafted funds {$520.00} out of my bank account which posted on XX/XX/XXXX. This is inaccurate and a violation of the Fair Credit Reporting Act. 

I am requesting Target to expunge this account from my files at the three major credit reporting agencies for inaccuracy or explain what is your purpose of sending me a refund check?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Told me to " just pay it ''. Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MS

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX 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 2023-05-04 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: MS

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX 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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing regarding unauthorized ACH transactions with Bank of America on my business checking account. The charges were made to the company " XXXX XXXX, '' which I understand to be an online gambling site. The unauthorized charges were made between the dates of XX/XX/XXXX and XX/XX/XXXX. 

I contacted Bank of America and XXXX on XX/XX/XXXX after becoming aware of the problem. I became aware of the situation after multiple other accounts with Bank of America, XXXX XXXX, and XXXX XXXX 's ( XXXX XXXX ) were compromised similarly. I called XXXX on XX/XX/XXXX to report the problem and emailed their legal department. I called Bank of America on XX/XX/XXXX and again on XX/XX/XXXX to report fraud and asked them to put a hold on my account. 

Bank of America assured me they would investigate the claim and asked me to complete a form documenting the unauthorized ACH transfers. I emailed these documents on the evening of XX/XX/XXXX to the address listed on the form. 

I called Bank of America to follow up on my claim on Wednesday, XX/XX/XXXX, and was assured by the fraud representative that they were looking into it. 

After not hearing anything from Bank of America for over a week, I called again on Monday, XX/XX/XXXX. At this time, I found out that the claim had been denied or, as the phone representative told me, " not found in my favor. '' I asked if she could explain why it was denied, but she could not. She agreed to re-open my claim and asked me to fax a letter of appeal to the bank, which I did that evening. 

I still have not received any correspondence from the bank. My bank account remains frozen. My phone line has been disconnected, my website is at risk of being shut down, and I am losing money due to this problem. Not to mention I still have {$6000.00} missing from my bank account, and nobody seems to be able to do anything to help me. I never received a claim number ; I did not receive any letters or explanation regarding my claim, nor did I get any sort of temporary credits to my account while the claim was investigated. 

I plan on continuing to pursue this claim to the fullest extent. I have been a loyal customer of Bank of America since XXXX and trusted them to keep my money secure. I did not authorize these charges. This is an account used for business purposes and business purposes only. I am writing because I need help to understand my rights and what I need to do next to get my hard-earned money back.

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