vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 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: 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 und

er 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 2023-10-14 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: OH

Complaint narrative:
To Whom it May Concern : Recently, I went in to inquire about a transfer of credit at 0 % offer XXXX XXXX published recently in my area. I thought I might get two small credit card balances transferred and paid off by transfer and saving a little on the cost of the cards use.. Also, my larger loans at 8 % may have qualified for pay off using this transfer rate, according to internet information I found. However, after being denied, and accepting the denial, my credit score took a dive of XXXXXXXX XXXX Why does asking for credit make the scores dive? I wonder why all the accounts from the past that have been closed and paid in full, as well as the current accounts being paid on time and lacking collection are used for so long a period of years? As I left XXXX XXXX I talked to a lady who was making a withdrawal and told her my story. She said the bank asked her WHY she was making a large withdrawal? Does the bank have the right to do that? 
Thank you for your help in the past, I am confident your agency will provide guidance to me in the future. 
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 explanation
Consumer complaint received 2023-10-14 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: CA

Complaint narrative:
I wrote a complaint to Equifax credit bureau on XX/XX/XXXX stating that there are unauthorized hard inquiries reporting on my credit file, they claim to be verified by the company reporting it. They have not provided me with any documents bearing my signature verifying that I authorized them to pull my credit and place a hard inquiry on my credit file. 

XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communication with you for the purpose of filing a complaint with the Attorney Generals office as well, should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: FL

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 explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have no knowledge of these hard inquiries, and these are results of identity theft and I would like them to be removed from all credit reports within 4 business days as per 15 USC 1681C2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: MA

Complaint narrative:
In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXXXX/XX/2023. This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate. 
15 usc 1681b2, I must give written consent to furnish which I never did.

This is not tied to any open account and being reported incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: TX

Complaint narrative:
TRANSUNION HAVE VIOLATED MY FAIR CREDIT REPORTING ACT. I BEEN CONTACTING AND SEND DOCUMENTS IN TO THEM FOR 6 MONTHS AND NOTHING HAVE GOT SOLVED

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 2023-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I received a payment of {$1000.00} through PayPal from the Clinton Presidential Library. I specifically declined to receive an immediate transfer of the money so that I could avoid the service fee. Nonetheless, PayPal only transferred {$1000.00}? I followed PayPal 's appeal process through two rounds but was never provided with any information about why the reduced the amount or denied my appeals. I specifically rejected the immediate transfer option. I thought that the process was pretty deceptive since I could see that they kept trying to get me to accept the fee but I never did. I imagine this is a recurring problem with PayPal 's service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NV

Complaint narrative:
I filed a dispute with cfpb for XXXX  XXXX. They sent me documents proving the hard inquiry was unauthorized and fraudulent. I provided those documents to all 3 credit bureaus and 2 of them removed the inquiries. I have submitted these documents over and over to Equifax and they are yet to remove this hard inquiry from XXXX XXXX  on XX/XX/2021. I have sent physical documents also and still they do not remove it. Their credit reporting is inaccurate, unfair and untimely. Removing this inquiry is very time sensitive for me and they are refusing to remove it for what reasons I do not know. All this back and forth has set me back on personal financial goals and gains. I demand this inquiry be removed as soon as possible. They are in violation of the Fair Credit Reporting Act Reporting false information Failure to correct false information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I applied for and was approved for a CapitalOne Venture card on XX/XX/XXXX. I received notification that it had shipped on XX/XX/XXXX. When the card had still not arrived, I called CapitalOne customer service on XXXX and XXXX. The first rep told me USPS had sent the card back and then I would have to wait until it returned. 

The second rep I spoke to on XXXX issued me a new card and said I would have to verify my identity by sending me a code by text message. I verified my identity this way when I first applied on XX/XX/XXXX, because I had trouble setting up my online account. This time the rep sent the text message and it did not go through to my phone. This was attempted twice and it didn't work either time. The rep then told me I would have to submit a photo of the front and back of my driver license for verification, and that it would take an additional 10 days on top of the two weeks I had already been waiting. The photos of the driver license are not blurry and I have used them for insurance purposes in the past. 

I submitted photos of my driver license, and then followed up on XX/XX/XXXX. Customer service told me the photos were blurry and that I should have been contacted to submit a better image. I was not contacted about this, and furthermore I already have a bank account with CaptialOne, including a debit card that was successfully mailed to me and activated. They know who I am. There is no reason for this verification. There is likely a technical issue with their system, because I was verified before over the phone by text message. I should not be penalized for their issue. 

Additionally, there is a sign-up bonus associated with this card, and it includes a spending requirement that must be met within 3 months of opening the card. CapitalOne has already wasted a month of my time dealing with this, which could lead to me not receiving the sign-up bonus and other benefits of using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
We got this vehicle back on XXXX XXXX it has been XXXX years and XXXX months and this account is still showing on my credit report as an open account. We voluntarily gave this vehicle because due to Covid we lost our jobs and was not able to continue payments on this vehicle. I have reached out to Santander and they have not removed that loan from open status when they have sold this vehicle a long time ago. I will need them to remove this from my credit report as it is showing that this loan still exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: AR

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 2023-10-14 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: AR

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 explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2023 the amount of {$830.00} was just automatically taken from my joint bank account without notice. When I called the bank they did not know why a few days later I called again and they stated it was taken to pay off a credit card debt that I owed them. This credit card I was the sole owner of. It was not a joint card. They gave no notice and just took the full amount. The credit was removed from my account months earlier and I had no ways to make payments on this card. This caused me and the joint owner of my account hardships on bills that were due. This is also where my veterans XXXX checks are deposited and they have no right to take joint or XXXX funds especially with no notice.In my bank statement the debit just says adjustment. It does not even say anything about paying the XXXX debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NC

Complaint narrative:
equifax is allowing an unauthorized account to report on my credit report. the account was removed and blocked but now it's showing back on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, just after my wife 's monthly paycheck of {$5700.00} was direct deposited my Bank of America account was unexpectedly frozen, as well my wife and XXXX sons ' accounts. Also, my check for {$2400.00} was deposited on XX/XX/XXXX and was also held by the bank. 
In an attempt to rectify what appeared to be a mistaken action, my wife and I visited our local Bank of America branch on XX/XX/2023. To our dismay, the branch manager informed us that they were equally puzzled by the situation. Moreover, they explained that their system was locked, and they were unable to release our funds. This was a particularly distressing situation for us because our autopay bills were set up, and our mortgage payment was due on the XXXX of the month. 
We were hoping the BofA staff can help us understand the reasons behind the account closure. Unfortunately, the bank asserted that they were under no obligation to disclose the cause, citing a disclosure we had signed when opening our checking accounts. This disclosure stipulated that, in the event that Bank of America chose to terminate their relationship with a client, they were not required to provide an explanation. 
We accept the decision to no longer be a Bank of America customer, our primary concern is the withholding of our familys funds. We are hardworking individuals ; the bank is well aware of my solid banking history, as I've consistently maintained a positive standing with them. Due to the bank 's failure to release our funds, my family and I are currently facing financial hardship. We are in dire need of our own hard-earned money that they refuse to release. It feels as if we have become victims of an arbitrary decision made by Bank of America. I was unaware of the extent of control the bank had over our earnings. 
Fourteen days have passed since our funds were frozen, and despite numerous attempts, the Risk Closure department at XXXX has yet to reach a decision regarding the release of our funds. Their only advice has been for me to keep calling.

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 2023-10-14 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: CT

Complaint narrative:
Today, XXXX XXXX XXXX I checked my Experian credit file and noticed that a new hard inquiry appears on my credit report from XXXX XXXX XXXX dated XXXX This inquiry was not on my credit report yesterday when I submitted yet another complaint to the CFPB about inaccurate information being reported on my Experian credit report. I do not have any credit cards from XXXX XXXX XXXXXXXX nor have I applied or authorized a credit card application with XXXX XXXX XXXX. I am in shock at the mishandling of my credit report from Experian. This can not continue any longer. This mishandling of my credit report is hindering me from purchasing a home.

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 2023-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing errors and inaccuracies on my credit report for many months. The agency, EQUIFAX, has not resolved the issue within the timeframe established by law. Instead of conducting a proper investigation, every time I dispute the inaccurate, erroneous, and false information on my credit report, they only move the items from one place to another, prolonging the response time. 
This damages my name, my character, and greatly harms me by causing financial losses due to these intentional or negligent errors. 
I have lost financial opportunities and experienced significant emotional stress, having to deal with an issue that should have been resolved long ago if only EQUIFAX would fulfill its obligation. 
I have the dispute process thoroughly documented, where I can demonstrate all the letters I have sent, as well as all the violations committed by EQUIFAX and/or furnisher, including stall letters, willful and negligent non-compliance.

Company response to consumer: Closed with explanation