vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX vs XXXX XXXX corporation us court of appeals for the third circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX  vs XXXX XXXX corporation us court of appeals for the XXXX circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved

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 2022-08-19 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: LA

Complaint narrative:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.

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 2022-08-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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:
I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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:
I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX  acct # XXXX XXXXXXXX  acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an alert from XXXX that someone attempted to open a Capital One checking account by using my name. I spoke to XXXX and filed a claim. They put me in contact with Capital One Fraud Protection, who put a stop on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
To Whom It May Concern : On XX/XX/2022, we applied for a mortgage to buy a house for XXXX from US Bank ( Loan # : XXXX ). On XX/XX/2022, we locked the rate of 3.25 % with the manager of U.S Bank ( see attachment 1 ). Following, we paid the Earnest money of XXXX. We paid all the expenses for an appraisal and inspection. The closing date on the house was on XX/XX/2022. 
On XX/XX/XXXX XXXX XXXX we received the denial letter ( see attached XXXX and XXXX ). Due to this, we asked the seller to release the Earnest money. The seller refused and stated that the US Bank employee XXXX XXXX contacted them directly to tell them that we were approved for loan but with different terms. The seller contacted us though our broker XXXX and we provided a US Bank Loan Decline letter. The seller then stated that the letter was not real. The seller insisted that XXXX from US Bank told them that we did receive the loan. The seller, again, refused to release the Earnest money ( see attachment 4, please note seller referred to US Bank employee as XXXX XXXX ). We contacted US Bank and told them that they have breached our privacy by contacting the seller directly without our permission. This breach of privacy has caused a huge problem and incurred a large amount of stress. We are still trying to receive our Earnest money from the broker and seller.

This was poor handling and a breach of confidentiality of private financial information by US Bank. We have had a long history of loans with US Bank ( over XXXX XXXX ) that were paid without any delay. 
best regards

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 2022-08-19 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: NC

Complaint narrative:
XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # 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 2022-08-19 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: NC

Complaint narrative:
XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: NC

Complaint narrative:
XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXXXXXX XXXX, delivered by USPS confirmation # XXXX, regarding account # 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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have tried to use the Chase bank ATM located at XXXX XXXX in XXXX, MI. There were two ATM 's, on apparently has been stolen and not replaced for more than a month and the other ATM, the one that I tried to use did not have cash for two XXXX XXXX in a row. My wife also had a similar issue with trying to use her chase ATM card at a ATM location in XXXX, MI. 
I spoke to the XXXX XXXX XXXX asked that any fee I incur for using a non chase ATM be refunded since the Chase ATM at this branch has been out of commission for some time. 
The associate at the branch stated that they are unable to waive any fee for use of a non chase ATM. 
Please investigate this issue with regards to Chase ATM not working at multiple locations and hold Chase bank accountable to pay any fee for use of non Chase ATM when Chase ATM 's are chronically not working ( dispensing cash ). 
Please do not hesitate to contact me if you need any further information in this regard. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The companys involved did not properly verify this account under the fair credit reporting act section 609 and fair credit reporting act 15 USC 1681 ( a ) the companys are In violation of my rights. Equifax knowingly keeps reporting inaccuracies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
while I was checking the balance and transactions, I noticed that there was withdrawals that I did not make. I talked to them about it. The withdrawal was for {$500.00}, The system divided the {$500.00} into two parts, When I listened, I hear the two parts of the one sum of the {$500.00} that I withdrew at one time Lumb sum. this is abuse and illegal to the transactions, I noticed the two parts of the total {$500.00} one-time withdrawal. when I requested a statement, it showed only one total withdrawal of {$500.00}.

I noticed they charge fees and I question it, they stated I did the withdrawal from non their bank XXXX. which is not true because I used the same machine at their same bank for years.

Their system breaks down the withdraws to two parts so that they charge fees. This is fraud and must be stoped and they must credit back all the fees that they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Starting XX/XX/2022, 3 fraudulent charges occurred on my Ally Bank debit card. The first was charged, the second and third were declined by Ally bank. My debit card was in my possession the entire time, and no other person than me had access to it. I did not authorize any of these transactions. My password, PIN, and associated email address and phone number are all secure to my knowledge. 

Fraudulent Charges XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The second and third charge were declined, and I was sent a text message from what claimed to be an Ally bank source alerting me of potentially fraudulent activity and to decline or allow it. I declined and Ally initiated a phone call with their 'fraud services. ' They never answered the phone, and hung up after a period of holding. Calling the line back several times, I had the same result each time. After researching online, this fraud is widespread to anyone with a debit card at Ally bank, and wait times for the phone lines are extremely long with no resolutions in sight anyways. I have locked my card, disputed the first transaction which was charged, and will wait for a proper response from the company. The bank so far has not responded to my dispute with the first charge, and has not made any official statement about this widespread fraud.

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 2022-08-19 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: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in 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 2022-08-19 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 explanation
Consumer complaint received 2022-08-19 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXXl 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I signed up for a promotion for M & T Bank under which if you leave {$10000.00} in the account for XXXX and XXXX, they would pay a {$350.00} promotional bonus by XX/XX/XXXX. The bonus code I signed up under was " XXXX '' but I later called to have this changed to " XXXX '' which also included an extra {$100.00} for having a {$500.00} direct deposit made tot he account. This bonus was already received. 

I transferred {$10000.00} to the account by XX/XX/XXXX and did not remove any funds until XX/XX/XXXX, so I met the terms of the promotion for earning the {$350.00}. 

I received a letter in the mail dated XX/XX/XXXX that my account would be closed as of XX/XX/XXXX. The letter did not contain any information about why M & T was closing the account. I suspect it's because they do not want to pay out pursuant to the terms of their promotion. 

I spoke to 3 separate customer service agents today, and each one had a different take on whether the bonus would be affected, so I am writing to the CFPB for clarity on this issue. It would also be helpful to know why M & T is closing my account and to confirm that it will not adversely impact my credit score or any other reports or my ability to open bank accounts in the future. I do have a recording of the last call in which the agent indicated that the payout of the bonus would not be affected by the subsequent closure of 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 explanation
Consumer complaint received 2022-08-19 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: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in 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 2022-08-19 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I may presume that no hard proof of the allied debt, nor therefore any such debt, in fact exists for accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$4700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence engehard v. Gravens ( Vito ) 281 SW 715,719, I may presume that no hard proof of the XXXX debt, nor therefore any such debt, in fact exists for accounts : XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation