vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I OPENED UP AN ACCOUNT AT BETHPAGE FEDERAL CREDIT UNION, MANY YEARS AGO, JUST TO HAVE A LOCAL ACCOUNT, WHICH I WAS USING TO CASH CHECKS, ETC. MY MAIN ACCOUNT IS XXXX XXXX XXXX XXXX, WHICH I OPENED IN 1980. SINCE THEY DON'T HAVE BANKS IN NY, I USED BETHPAGE AS A SHARED BANK, WHICH LET 'S CASH CHECKS AND MAKE DEPOSITS AND WITHDRAWLS. I WAS ABLE TO DO THIS WITHOUT AN ACCOUNT AT BETHPAGE. BUT I OPENED ONE UP ANYWAY. NOW, ALWAYS USING MY XXXX XXXX ACCOUNT FOR MY BANKING NEEDS, MY BETHPAGE ACCOUNTS WENT DORMANT. SO TODAY I GET MY STATEMENT FROM BETHPAGE AND XXXX AND BEHOLD, IT WAS CLOSED OUT, WITHOUT MY KNOWLEDGE OR ANY TYPE OF NOTIFICATION FROM BETHPAGE, LIKE AN E-MAIL, USPS LETTER OR PHONE CALL. ZERO-ZILCH-NADA! THE TOTAL AMOUNT WAS SMALL, {$10.00} IN BOTH ACCOUNTS, SINCE XXXX NEEDED A MINIMUM BALANCE TO OPEN AN ACCOUNT THERE. SO I CALLED THE PHONE NUMBER XXXX AND GOT A CLUELESS CUSTOMER SERVICE REP, PUTTING ME ON HOLD 3 TIMES AND STILL REALLY COULDN'T HELP ME, SAYING I MUST HAVE GOT A LETTER 3 YEARS AGO, SINCE THAT IS HOW LONG THAT IT WAS DORMANT. I TOLD HER I DOUBT THAT HAPPENED AND I WOULD HAVE REMEMBERED A SEPARATE LETTER TELLING ME OF MY DILEMMA. SO I ASKED FOR A MANAGER. XXXX GOT ON THE PHONE. I TOLD HIM WHAT HAPPENED AND HE WAS ALL APOLOGIES, BUT HE COULD NOTHING TO HELP ME SINCE MY ACCOUNT WAS CLOSED? I ASKED IF HE COULD REVERSE THE {$5.00} SERVICE CHARGE AND HE SAID NO, GET READY. BETHPAGE SPENT {$5.00} OF MY MONEY TO SEND {$4.00} FROM A DORMANT ACCOUNT? I ASKED XXXX DOES THAT MAKE ANY SENSE? RATHER THAN JUST SEND ME A CHECK FOR {$10.00}. HE SAID THAT IS THE PROCEDURE THEY USE. I AM IN THE BANK MAYBE ONCE A MONTH AND ALWAYS HAVE TO SHOW MY LICENSE, WHEN I CONDUCT ANY BUSINESS THERE WITH MY XXXX XXXX  ACCOUNT. NOW, NO ONE COULD HAVE TOLD ME WHAT WAS GOING ON WHEN I WAS AT THE BANK? HOW PATHETIC. HE TOLD ME TO GO TO XXXX TO CLAIM MY FUNDS. THERE WAS NO LISTING OF MY MONEY AFTER I FILLED OUT THE FORM? I AM A SENIOR ON A FIXED INCOME

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
Consumer Portfolio Services you have violated section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) section 807 ( 7 ) of the Federal Debt Collection Practices Act ( FDCPA ) and Federal Trade Commission ( FTC ) because you have responded to my multiple disputes with the credit reporting agencies in regards to this account. According to the FCRA, FDCPA and the FTC Notice to Furnisher Obligation of Furnishers you are REQUIRED and Obligated to provide NOTICE of DISPUTE within 30 days after a consumer file a dispute with the consumer reporting agency. According to the consumer reporting agencies and my consumer report in multiple times in 2023 but did not furnish to the credit agencies that the information is disputed by consumer as REQUIRED according to the FCRA, FDCPA and the FTC. This a serious violation of section 623 ( a ) ( 3 ) of the FCRA, violation of section 807 ( 7 ) of the FDCPA and the FTC and grounds for deletion of this account. The required Notice of Dispute still doesnt report or appear on my consumer report as of today XX/XX/2023, 120 plus days after Consumer Portfolio Services responded to the credit reporting agencies re-investigation multiple times in 2023. I have provided as proof documentation multiple XXXX consumer report and Identity XXXX XXXX XXXX  neither reports showing the required Notice of Dispute. I have also provided as proof documentation a copy of the section of the FCRA, FDCPA and the FTC pertaining to my dispute highlighted for your review. 

Because of this FCRA, FDCPA and FTC violation committed by Consumers Portfolio Services I request that Consumers Portfolio Services update this account to show No Data for the month of XXXX and XX/XX/2023 or update this account to show paid as agreed for XXXX and XX/XX/2023 or delete this account from my consumer report for violating section 623 ( a ) ( 3 ) of the FCRA and violating section 807 ( 7 ) of the FDCPA and FTC pertaining to Notice of Dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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:
Today, I am writing this complaint to Transunion regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2023 {$10000.00} was withdrawn without our authorization from my husband and I joint account. The claim was made through Citizens Bank ( Claim # XXXX ) and a police report was filed through XXXX Massachusetts PD. The police officer then contacted both parties involved, Citizens Bank and the bank that the money went to, XXXX XXXX XXXX XXXX, in which XXXX XXXX XXXX XXXX reported on XX/XX/2023 that the check was fraudulent and the funds were allotted back to Citizens Bank. The police officer then spoke to a citizens bank and was told via email on XX/XX/2023 that the funds were going to be allotted back into the account within 5-7 business days. I have personally called the Citizens Bank claims department weekly since XXXX to check in on the claim and have yet to be given the money back. The representatives with Citizens Bank have no information to share that is consistent with what was stated to the Police officer on the case. The representatives at the claims department proceeded to tell me that it could take a year to get the money back and that is just how this works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I sent credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX/TransUnion/XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 : XXXX OF XXXX Account XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 OF XXXX Account XXXX has violated my rights. Or a 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately.

Inaccurate and Incomplete Information 1. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. There is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete from my report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please Update to all payments to paid as agreed and no late payment ever.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete form my report 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BRCLYSBANKDE Date of inquiry : XX/XX/2022

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 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I am entitles to at least XXXX from wells Fargo for a repossession and I have not gotten it

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 2023-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My servicer is Navient. I have been put on forbearance for 20 years. I believe I am a victim of Forbearance Steering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIOLAW U.C.C131912 Taking Assignment of Debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, under LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
The Apple Card, issued by Goldman Sachs, refuses to completely close my account ending in XXXX, making it null and void, with a {$0.00} balance. I have called them multiple times and shared with them my XXXX  XXXX Bankruptcy that was successfully discharged in XX/XX/2022, and they still refuse to remove the account in question even though it was included in my Bankruptcy filing. 

What they are doing is illegal, still trying to collect on a debt that has been discharged. My lawyer sent them multiple letters in the mail as well. 

This account is still showing as active on my Apple ID Profile, and as such, will not allow me to apply for another Apple Card, because they say this account is still active, and not discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
the balance of XXXX XXXXXXXX account number : XXXX its zero and it shows as {$310.00}

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 2023-11-08 00:00:00
Product: Credit reporting 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:
XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus Equifax responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX  XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute

Company response to consumer: Closed with explanation