vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX opened a fraudulent joint account with my name at the Navy Federal Credit Union and had completed an ACH from XXXX XXXX to that account and withdrew the money and now that fraudulent account has a negative balance that will reflect on me. 

I never authorized or was apart of this account. I don't know this person, they stole my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX 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
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

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

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you can help me! I sent a letter to the credit bureaus on XX/XX/2023 and haven't gotten a response i would like a reinvestigation! It's still incorrect information on my report! My understanding is 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. I will list the accounts below! 


1. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : XXXX Please investigate and delete from 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 non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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 would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
When I obtained my mortgage from Huntington Bank, I was first told by the mortgage officer, XXXX XXXX XXXX, that there would not be private mortgage insurance. Further into the loan process he said that the appraisal did not come back high enough so I would have to pay private mortgage insurance. I inquired with him as to when I would be able to have that private mortgage insurance payment removed. He told me once I got the loan under {$100000.00} I just needed to request it and they would remove the private mortgage insurance. I have paid for XXXX  years and got the mortgage under {$100000.00} and requested it. I was told they would not remove it. When I inquired with the company they told me I needed to contact XXXX XXXX XXXX to have it removed. 
When I inquire with XXXX XXXX, he has emailed me back and told me that the rules have changed since I signed my mortgage with them. 
How can they change the rules after the fact? I feel they are being very deceptive and continue to collect private mortgage insurance for me even though I followed exactly what they told me I needed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned

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 2023-05-31 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: TN

Complaint narrative:
I went on vacation I stayed at a few hotels first hotel was XXXX XXXX XXXX on XX/XX/XXXX XXXX then second was XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX I have the receipt were it was approved and completed and taking off my card. Now months later on XX/XX/XXXX I added XXXX to my cash app, which I did not have a negative balance, I never received a email or notification saying I owed money or there was a mix up, after my wife sent me that money i received a text from cash app saying both the hotels I listed the transaction from the hotels have been updated but the text message is dating in XXXX but they just took it out I called and they said there was a error in there system where they messed up in XXXX XXXX XXXX were money was sent to different accounts in the wrong amount but I didnt know that I was never informed. So basically they took money that on my end and on my account said it was completed and then now months later they said they had to pay the hotels because the money got Mix up and I owed that to cash app but they put it as the hotel yet they never mentioned anything too me before I added money and I was never negative and they XXXX dollars from me without explaining I feel like something isnt right and on the photos below it shows when. They completed so how did I owe that amount again and if they did have a error why wasnt I informed sooner instead of just taking all money I had tell my next period without communication, email or contact on cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX : 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 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

DEPTEDXXXX : XXXX, DEPTEDXXXX : 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 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 2023-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo processed a re-fiance on our original mortgage which was in XXXX- they ( WF ) contacted us directly. When the banks received their bail out money from the government ; instead of contacting customers who were behind on their mortgage and in foreclosure- they called us. We were never late with any of our payments starting in XXXX, in fact I even made additional principal only payments to the loan. To be very clear we had no problems paying our mortgage in XXXX - we didn't even qualify for a XXXX loan in XXXX because we were not " upside down with the loan to value '' The big trick of all here is that we didn't even find out what Wells Fargo did until we fell behind on our mortgage in XXXX were Never told, Nor was it was never disclosed to us that this was a XXXX loan. I called XXXX directly and that is when I found out what really happened in XX/XX/XXXX when Wells Fargo lied to XXXX XXXX & Us. They passed this loan on to XXXX XXXX and never looked back. I received a {$50.00} check in the mail from Wells Fargo ( Which I did NOT sign ) it stated that our account was identified as an account that was effected by an ongoing investigation. In XXXX - to today which is when we really need Help & Thanks to Wells Fargo & this XXXX  Trap - This is a 1 per lifetime & even though WF admits to non disclosure, they have refused to work with us so we can keep our house. To make things even worse I was involved with 2 horrific auto accidents that I still suffer with chronic pain today. The 2 motor vehicle accidents were on XX/XX/XXXX & XX/XX/XXXX I am at a total loss - I have no idea why they are allowed to get away with 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 explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore Transunion should also have that. Now I am filing this complaint so that I can get a faster solution to this problem

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Cesars Visa Rewards Comenity Bank : I have used the card and make immediate payments nightly or every 3-6 days to pay the card down so that I can use the card to obtain my " Points '' or rewards. The credit card company is telling me that if I make a payment of {$500.00} or more, it locks my account for 7-10 business days, yet the email I received from the credit card company says it " might take 2 additional days ''. I have spoken to numerous employees at the call center and the all say its customary for credit card companies to hold the payments for 7-10 business days, yet they can not show me where it says this in my terms and agreements. The issue on this card, is that I have tried to purchase an Airline ticket to fly out of town, rent a car and drive back home. The rental car company will not take a debit card, therefore I have to find some other means to rent a car, not counting the " double '' rewards I lose for the airline ticket, hotel and rental car. I am asking where it says it takes 7-10 business days. My bank has already released the money to the bank, its no longer in my bank account They have LOCKED my card while they wait 7-10 days to post my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXK XXXX, XXXX / XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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
Consumer complaint received 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had {$710.00} transferred to XXXX different people who I do not know on XX/XX/XXXX through XXXX. I reported it to my bank, USAA, who has done nothing to help the situation. I did not give any of my information out or have any scam/fraud calls to me. Also the same day I had a fraudulent attempt on my card to buy {$230.00} in gift cards that did not get authorized. USAA has said they looked into it but it is not fraud. I have never used XXXX in the past, this was the first time it had been used and not by me. The bank does not seem interested in resolving the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from 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 non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Issue commencing in 2021 with PSLF resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XX/XX/2021 {$2500.00} XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.

Company response to consumer: Closed with explanation