vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: LA

Complaint narrative:
These inquiries are unauthorized and they are not related to any transactions by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
After looking over my account on XXXX in between XXXX I called to have my checking account number change due to the fact that I called off the marriage to my partner. After leaving him I found out that some how he had access to my online banking information in which I did not give to me. The rep I spoke with never told me that my account would be compromise. I had filed disputes and fraud claims only to get a supervisor to tell him that I had something to do with this and talk down to me like I was nothing .They shut down my debit card, and online access to checking account. so if they did send me message on what was needed I could not get it because I did not have access to online banking. I informed them several times that I was a victim of identity theft and where did I need to send the documents the said do not worry. I have been fighting this claims for a long time the forgot to send me any updates on the claims so I had to file and appeal which the close due to my account getting compromise. I request a copy of the following documents that lead up to the denial. They asked me to faxed documents sent the documents thru e message then the denied my claims stating that it was not there it was there they just did not go thru it so I sent over the documents multiple times until I had to do it my self to put each claim the proper document to support it and they said they did not received it. 
I told them that I had identity theft my credit was frozen and lock I filed police reports and FTC report and identity theft report and they still talk down to me and treated me bad. Because I did not the answer to a question I ask and they got mad and raised their voice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX, TX XXXXXX/XX/XXXX, TX XXXXXX/XX/XXXXXXXX, TX XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX Balance Owed : {$3300.00}

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 2023-10-09 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: CORELOGIC INC
State: KY

Complaint narrative:
In accordance with fair reporting act CREDCO has violated my rights. 
- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MN

Complaint narrative:
I contacted XXXX because they continue to report incorrect information about XXXX old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXXXXXX XXXX online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX did was leave me a note saying that the EdFinancial information was correct. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial still had not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost XXXX XXXX ago - and since then EdFinancial has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why EdFinancial refuses to correct my information and why XXXX refuses to update the EdFinancial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2023, my husband and I met with XXXX XXXX from PNC Bank located at XXXX XXXX XXXX, XXXX, MD XXXX at XXXXXX/XX/XXXX. We inquired and submitted a loan application for a personal loan in the amount of {$8000.00} and wanted to increase my husband 's credit score, thereby, asking for the loan to be in my husband 's name as the primary borrower and myself as the secondary borrower since I had great credit. The loan was denied based on my husband 's credit score. We met with XXXX XXXX again on XX/XX/XXXX at XXXX and completed another application with myself as the primary and my husband as the secondary borrower and the loan was denied due to my husband 's credit score which baffled us. Prior to XX/XX/XXXX, I applied a third time for the loan by myself and it was denied due to too many inquiries from PNC, which baffled my husband and I again. XXXX XXXX contacted the underwriter department to ask for an explanation of the denial and he persuaded their decision, and it was reversed. On XX/XX/XXXX, I met with XXXX to pick up the check in the amount of {$8000.00}. I noticed the interest rate was 17.135 % and asked for an explanation. XXXX gave me the phone number to the consumer loans underwriter department, and I called them on XX/XX/XXXX regarding the explanation of the interest rate. I was given the complaint # XXXX and was told someone will call me back in a few days. PNC called me on XX/XX/XXXX and XX/XX/XXXX regarding my concern and I was told that loan rates are applied based on zip codes as well as the computer algorithm decides the rates for the customer. I questioned both procedures and didn't get an answer. I was finally informed that PNC don't have the personnel to review and approve all the loans, thereby, the computer assists in that area. I strongly believe the loan rate should be around 9 - 13 % based on my credit score of XXXX and not a predatory rate of 17.135 %. I asked for a follow-up call regarding this issue and haven't heard back from PNC. Also, I noticed on my Credit Monitoring report that the PNC {$8000.00} loan has increased to {$8000.00}, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am the Executrix of my father 's estate. He had a reverse mortgage. Loan was due at the time of his death. It went in foreclosure and XXXX sale was pending. I was able to reach out to a broker that handled these matters. XXXX reached out to bank with an interested party. House was a short sale and this occurred on XX/XX/XXXX. I have received the paperwork for the foreclosure dismissal, the HOA bill of sale from the closing PHH Mortgage, 1 Mortgage Way, XXXX XXXX, NJ XXXX ( XXXX XXXX ) represents the XXXX XXXX XXXX XXXX  XXXX XXXX. 
PHH Mortgage would call from time to time regarding the account during the past XXXX years. They would ask, " do I have any questions '', I would reply " no thank you I don't. '' The house sold and I continue to receive these phone calls, more often and post the short sale. Today makes number XXXX since the closing occurred. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Each phone call XXXX have advised them that check with Bank of New York XXXX XXXX XXXX The short sale occurred on XX/XX/XXXX and have the HOA document. Cease and Desist, Do Not call. 
XXXX agreed and still he called. XXXX is a new person that called me today. Called with attitude, I explained to him the same as to XXXX, cease and desist, do not call, the house was sold, and the bank was fully involved. PHH needs to reach out to the bank for details. XXXX stated there was a small balance. And refused to listen to what I previously stated... there is no balance bank settled, speak to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. He claimed he was going to check with the bank. I don't believed it since i have stated this now 5 times, but they continue to call. 
It is sad enough that my father passed at a time of Covid ( XX/XX/XXXX ) while recovering in a center that left him to be on his own during that time ( XXXX XXXX XXXX XXXX  XXXX, dba XXXX  at XXXX ) that I also had to deal with all the legal issues regarding the estate, working through a short sale to satisfy the loan, but this continues to occur not allowing me to heal from all the emotional trauma and stress. This continues to rip open a wound that is trying to heal. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, I received a text from USAA asking if I authorized a charge to a hotel in the XXXX. I replied yes and USAA thanked me for letting them know it was not fraud. Since I have had several problems with USAA in the last few months, I called them a couple of hours later and found out that they had canceled the payment to the hotel, a week before I was supposed to arrive, and that it was my responsibility to contact the merchant to have the charge reapplied. 

I contacted XXXX since I made the reservation through them. They eventually told me my reservation was canceled and there was no availability at the hotel I selected. I saw the direct number to the hotel on XXXX and called them directly in a panic because I thought I did not have a room. They were able to charge my card, but the damage was done in terms of the stress USAA caused by poor communication. I made several additional phone calls to USAA and also sent emails to their CEO. No one seemed to care about the issues USAA caused and they thought the issue was resolved when they replied by explaining their fraud procedures. 

Earlier tonight, I received myXX/XX/XXXX bill and it included an additional {$13.00} for my call to the XXXX. I called USAA and not only did they refuse to reimburse me for this call, but they also admitted that their fraud notification was flawed. There is no information in the text message they send other than asking if the member authorized the charge or not. They also admitted that they immediately canceled the transaction because they didn't want to be held responsible if it was a fraud. If it wasn't fraud, the member is screwed. They assume that members will know what to do, even if they are in a foreign country. USAA claims they are for XXXX but they treat people like trash and do nothing when they cause disruption to this level. I believe they need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize

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 2023-10-09 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: LA

Complaint narrative:
Subject : Demand for Deletion of Late Payments on Credit Report Dear Sir/Madam, I recently reviewed my credit report from XXXX and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the accounts in question, along with their respective account numbers : 1. [ XXXX XXXX XXXX ] - Account Number : XXXX 2. [ XXXX ] - Account Number : XXXX After a closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there has been a violation of my consumer rights. The law explicitly states : GENERAL : According to subsection ( c ), any consumer reporting agency may furnish a consumer report under certain circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I must inquire whether I provided written instructions for the inclusion of these late payments in my report. If not, it is essential to rectify this issue promptly. Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer report specifies : Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include, subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Because of this, I kindly request the removal of the aforementioned late payments from my consumer report as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely manner. Thank you for your assistance in ensuring the accuracy and compliance of my credit report with applicable consumer protection laws.

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 2023-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Capital One XXXX XXXX XXXX

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

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-10 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: Experian Information Solutions Inc.
State: TX

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
Consumer complaint received 2023-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, XXXX and XXXX. This complaint is being submitted on my behalf without any third parties. On Friday XX/XX/XXXX, was the last day I was able to use my cash card. Saturday XX/XX/XXXX, all of my transactions were declined due to unusual activity so I reached out to cash app support via phone and chat Monday XX/XX/XXXX. See attachments. NOBODY care to help nor provide me with any additional information. Ive never had any problems with cash app as Ive been with them since XXXX. Ive expressed this is my only account and I cant access any of my funds. This is causing great emotional & physical distress, as Cash app are continuing to injure me without my consent. I need whatever block cash app has on my account to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not authorized or participated in any transaction that would have led to this inquiries, and I request that they be removed and blocked from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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