vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: IN

Complaint narrative:
Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that Transunion as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.

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 2023-10-27 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: OH

Complaint narrative:
THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...

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 2023-10-27 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: OH

Complaint narrative:
THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX Acct Number XXXX XXXX Date Closed XXXX XXXX XXXX  
THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 I am a victim of identity theft please remove it from 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX is reporting an account incorrectly. 
XX/XX/XXXXXX/XX/XXXX with a paid balance of {$3000.00} is showing remarks as payment after charge off/collection. Payment deferred. It was never charged off, and certainly was NOT ever sent to collections, and the business has verified that. I will include my emails back and forth from the company and they indicate they have tried to fix it several times and that XXXX is refusing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.

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 2023-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NM

Complaint narrative:
I made a purchase online at a company and never recieved products I filled a dispute and recieved a cancelation email and a refund receipt, I never recieved the refund so I disputed with my card company ( cash app ) and they denied my dispute and sent the money to the company they're refusing to work with me and give me any answers so XXXX XXXX XXXX XXXX by cash app and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
Company is in violation of aforementioned codes by reporting derogatory information on my credit 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 explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
Company is in violation of aforementioned codes by reporting derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX, Collections Manager of Cardmember Service at USBank, ( XXXX XXXX XXXX for my defaulted business credit card ending in XXXX XXXX XXXX XXXX ) stating that the bank exercised their " right of offset '' by charging my USBank personal banking account ending in XXXX, for {$900.00} on XXXX  and that they would not be responsible for any overdrafts that might occur due to this offset. This action put me into overdraft and has caused me financial distress, I'm a stay at home mom and am not employed. I called the above number and spoke with XXXX XXXX XXXX, and then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX today ) to be refunded the money. I told them that it is in violation of the Federal Law 1026.12 ( c ) ( 3 ) ( ii ) ( B ) Federal Reserve Board Regulation Z, Section 226.12 ( d ), which prohibits financial institutions from applying " right of offset '' to credit card debit. They said it doesn't matter because it was part of the cardmember agreement to let them have the " right of offset. '' They said they would put in my request but that they normally only refund 25 % of the amount, and they send it in a check form which does nothing for my overdrafted account today. It is very frustrating to feel like there is no recourse for their actions.

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 2023-10-27 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 I am a victim of identity theft please remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NJ

Complaint narrative:
There was a hard inquiry on my credit report that I didnt recognize. Disputed with XXXX as well as Discover. Inquiry is being reviewed by XXXX and Discover is in the process of canceling the inquiry as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX is the problem, you stole 16 months of on time never late payments and refused to give them back and now your telling me you can negotiate a lower price for a bill you won't put back on my report SCAM

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 2023-10-27 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: IN

Complaint narrative:
Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that XXXX as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally bring to your attention a matter of great concern and urgency regarding a COVID forbearance issue that has arisen with my mortgage lender, UWM ( United Wholesale Mortgage ). I understand that the Consumer Financial Protection Bureau plays a vital role in safeguarding the rights and interests of consumers, and I hope to receive assistance in resolving this matter. 

I was granted a COVID forbearance, which was a lifeline for me during a challenging period, and it was in effect until XX/XX/2023. However, upon the conclusion of the forbearance, I received a statement from UWM that requested an unmanageable lump sum payment of {$40000.00}. This action appears to be in direct violation of the Consumer Financial Protection Bureau 's policy, which expressly prohibits requiring individuals who were on a COVID forbearance from making lump sum payments at the conclusion of the forbearance period. 

I have reason to believe that UWM, along with other lenders, may not be adhering to the CFPB 's regulations, particularly when dealing with minority borrowers like myself. As a military veteran who was willing to make sacrifices for the safety and values of our nation, it is deeply disheartening to have my rights violated by a United States company. I believe that no borrower, regardless of their background, should be subjected to such unfair and unjust treatment. 

I am seeking your assistance to rectify this issue promptly and ensure that UWM complies with the regulations set forth by the CFPB. I am willing to work with UWM to establish a repayment plan that aligns with my financial capacity, as per the guidelines and principles established by your organization. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter, hold UWM accountable for its actions, and ensure that my rights, along with those of other borrowers, are protected and upheld. Any guidance and intervention you can provide to address this situation would be greatly appreciated. 

I look forward to a swift resolution of this matter and the restoration of my financial security. Please do not hesitate to reach out to me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or if you would like to discuss this matter further. 

Thank you for your attention and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: GA

Complaint narrative:
A credit builder account was open through the platform " Moneylion " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am writing to file an informal complaint against U.S. Bank regarding their denial of my claim for XXXX charges. I am seeking your assistance in resolving this matter. 
I recently encountered an issue with U.S. 
Bank and XXXX. I made several purchases through XXXX, expecting to receive the merchandise in a timely manner. My order was shipped to the wrong address.. However, XXXX failed to refund the payment to my debit card within the specified timeframe. 
Upon realizing this, I promptly reached out to U.S. Bank to dispute these charges. They provided me with documentation to fill out, which I completed diligently. I had a phone call with a dispute account representative where I provided detailed information about the purchases made through XXXX. 
Despite submitting all the necessary information and documentation, U.S. 
Bank denied my claim. Not only did they reject my claim, but they are also recharging me for the transactions related to XXXX. To make matters worse, U.S. Bank has closed my banking account without any prior notice or explanation. This situation has left me deeply concerned and feeling unfairly treated. 
As a loyal customer, I have relied on U.S. Bank to protect my interests and handle disputes impartially. However, their actions in denying my claim, recharging me, and closing my banking account without any valid justification have left me feeling frustrated and helpless. 
I kindly request your intervention in resolving this matter. I believe that U.S. 
Bank should reconsider their decision to deny my claim, refund the charges relating to XXXX, and provide an explanation for the closure of my banking account. 
Thank you for your attention to this complaint. I look forward to your prompt response and a resolution to this issue.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We opened a business account with Chase on XX/XX/. 
We provided all the necessary information including a physical address for our office ( rental space ). 
A month later when we tried to use the debit cards- they were declined. When we called the Chase customer service line, they said that the account has been closed. 
We contacted Chase, who stated that after a few days of opening the account, Chase compliance team said they were not able to verify the physical address and tried to contact us. 
As they were unable to contact us to verify the account they closed the account on XXXX/XXXX/XXXX. 
The whole time we were able to log into the Chase portal and the mobile app and view our account but were not notified via the Secure Messages that there was an issue with our address. 
They said they emailed us and called us, but we did not receive either. We asked them for evidence of this - but Chase was unable to provide us with any documentation that this had occurred. Meanwhile we received many marketing emails from Chase trying to sell us more services/banking products, but they did not send us the most critical email needed. 
So the account was closed and could not be reopened. 
We had to open a new account. 
Chase neglected to inform us and, without providing any substantiating evidence, left us with doubts regarding the veracity of their claim that they had sent notifications. 
Meanwhile, they displayed a willingness to inundate our email inbox with unsolicited marketing messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to seek clarification and verification regarding the reported late payment associated with my TRUIST BANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

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 2023-10-27 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: NY

Complaint narrative:
See document attached

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 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Attorneys USA LLC
State: NE

Complaint narrative:
I received a letter stating I owed XXXX XXXX XXXX  of dollars. I have never financed through XXXX, I have great credit/financial history and they need to provide proof of when I took this loan out and how someone was able to obtain this information under my maiden name.

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 2023-10-27 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: KS

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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