vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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:
In accordance with the fair Credit reporting act XXXX XXXX XXXX has violated my Rights 15 usc 1681 Section 602 States I have the right to privacy.

16 USC 1681 section 604 A section 2 : it also states a consumer Reporting agency can not Furnish an account With out 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 any 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 2022-11-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is to once again inform the CFPB of Wells Fargo not properly disputing my claims, refusing to give a legitimate answer with proof that backs their claims over mine.

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 2022-11-21 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Bank 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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 — Was not notified of investigation status or results
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Im filing this complaint due to PenFed Credit Union failure to refrain from reporting information pertaining to my consumer report accounts. I demand they immediately delete the late payment derogatory verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial XXXX  and can not obtain access to XXXX  because of this unauthorized reporting. I have been denied credit on every application I submitted because of reporting tactics like these.

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 2022-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a checking and savings accounts with Citizens Bank on XX/XX/22 with a promo code that included a {$520.00} bonus for opening those accounts and fulfilling some basic requirements. 
I fulfilled those requirements ( direct deposit to checking account for {$320.00} bonus, monthly deposit to savings account for {$200.00} bonus ) and was supposed to get that bonus by XX/XX/22. 
However, no bonus was deposited to my account and my attempts to contact the bank and get this resolved were unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank company filed a lien against me in the court of common pleas of XXXX XXXX This debt does not appear on my credit report TD Bank has not provided proof of debt, time of debt, or proof of payment of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
In early XXXX I received a notification from XXXX XXXX XXXX that Bank of America had changed my address to the business address of their XXXX  XXXX XXXX. 

I was unable to dispute this matter directly with XXXX because they stated it came from a verified and trusted partner and financial institution and they named Bank of America as the source of this illegal activity.. 

On XX/XX/2022 the Bank of America Corporate office was mailed via Certified Mail and XXXX, XXXX and XXXX were mailed via XXXX XXXX XXXX Mail a letter on my behalf from XXXX XXXX 's XXXX XXXX XXXX, Attorney for the firm requesting Bank of America and all Credit Bureaus correct this illegal, improper and incorrect activity to no avail. See Exhibit 1 ).

To date there has been no response and no correction from any of the credit bureaus nor Bank of America. 

Previous to this latest illegal activity on XX/XX/2022 Bank of America was sent via XXXX XXXX XXXX XXXX XXXX Mail a Notice to Cease and Desist Demand due to an illegal debt collection activity where they retained XXXX XXXX XXXX. ( See Exhibit 2 ). 

Today is XX/XX/2022 and there has been no effort made by Bank of America to delete this illegal, improper and incorrect address with XXXX or any other credit bureau. ( See Exhibit 3 ). 

I demand Bank of America immediately cease and desist all illegal debt collection practices against me and delete this address change with XXXX, XXXX and 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 2022-11-21 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: OK

Complaint narrative:
I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXX XXXX  with account number XXXX. It says the original creditor was XXXX XXXX XXXX. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!

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 2022-11-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account name : XXXX XXXX Account # XXXX. 
Account name : XXXX XXXX XXXX XXXX. Account # XXXX. 
Account Name : XXXX XXXX. Account # XXXX According to : 15 U.S.C 1861 section 602 A. States : i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it is also consumer reporting agency can not insrtuctions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any cons item of information. Any other adverse item of information, other than recordsof conviction more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer person knows or has reasonsable cause to believe that the 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 explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions. I have sent multiple of disputes concerning this matter, and each dispute was a copy of my passport, driver 's licenses, social security card, and updated utility bill. Each response was please send proof of id letter just to keep stalling this process. It will be a copy of the last letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I told Navy Federal I was a victim of fraud on XXXX XXXX XXXX I have the request in writing. 
The fraud was a XXXX  listing for a property in XXXX, Ohio. It was a for sale by owner, and they asked for {$2000.00} as an earnest money deposit and they will remove the listing as for sale, and move it to pending. 

I sent the money to the scammer, AFTER I had got a contract they more than likely created fraudulently, I have their email, I have their XXXX address, I have the text thread, and I have the XXXX  listing, I felt confident this may be legit. It wasn't. 

I went through there process of filing the complaint on the app. And the very next day they messaged me back saying they are " sympathetic '' to me being a victim of fraud there was nothing they could do. 

And what made it worse was on XX/XX/ I received a deposit from NFCU in the amount of XXXX as a credit. I thought my prayer was answered and they solved the issue. Then on the XX/XX/ the money was taken back OUT of my account from NFCU. 

I have tons of evidence supporting my claim of fraud. I have screenshots, emails, XXXX accounts, even the XXXX listing, and I'm willing to provide all details needed to have this resolved. I looked up her XXXX account, because its a business account and I know she has two addresses one in XXXX and one in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
This online only bank violated my rights- in XX/XX/XXXX I submitted a dispute showing proof that the vendor in question wouldnt reply to me, and the purchase was sent back to the original company - I have sent and requested multiple times over the last two months to be notified of an update, and was never provided an update. They also state they have a working phone number but they do not - you can never get a hold of anyone and they still say its due to Covid 19. 

Last week on XX/XX/XXXX I was notified via email my dispute was updated and they refused or denied my dispute. I chatted in and asked for a copy of their investigation - the woman who chatted with me, XXXX, advised they would email me. 

I requested to have a copy sent to me, and instead today, XX/XX/XXXX received an email from someone named XXXX advising the vendor showed proof the delivery was completed and it was compelling proof, however did not provide me with any copy of investigation. 

Additionally - I do not believe this to be true, because the tracking information I provided showed it was delivered BACK to the ORIGINAL VENDORS ADDRESS. 

This is {$54.00} but thats a weeks worth of food. They also pulled {$100.00} out of my account and refuse to fix it even though on the statement itself it shows they incorrectly didnt add in one deposit.

I want the {$150.00} put back into my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
Someone used my information with Mercedes Benz Financial Services to receive a car in my name/ co-signer. I immediately disputed the inquiries from Mercedes Benz Financial and filed a police report and FTC report and these reports were sent to XXXX I never received a call back from them but I did contacted the investigator side of XXXX and they said oh we talked to XXXX XXXX XXXX and we stated I said it wasn't fraud! Not True! They contacted the person who stole my identity and he verified him as XXXX XXXX but it wasn't really me ( XXXX XXXX ). They removed the fraud account from my credit file and then put it back due to verifying the account with the man who stole my identity. Why would they call the mans cell number who used my information. Then they used a address in South Carolina and I live in XXXX NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: CA

Complaint narrative:
Blockfi.com has locked my crypto currency amounting to {$4900.00} on their platform that they had guaranteed was safe. They are withholding my life savings because they had illegally used my funds for failed investments. I have emailed called and complained and have not heard any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: OK

Complaint narrative:
I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXX XXXX  with account number XXXX. It says the original creditor was XXXX XXXX XXXX. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!

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 2022-11-21 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: OK

Complaint narrative:
I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXXXXXX XXXX with account number XXXX. It says the original creditor was XXXX XXXX Bank. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: PA

Complaint narrative:
I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX Account XXXX has violated my rights.

15U.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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I wrote synchrony bank/ Chevron XXXX XX/XX/2022, to request a goodwill adjustment on an account showing XXXX late payments. They wrote me back stating they can not honor my request. However, after doing some research in consumer law, I have come to realize that it is and was synchrony bank/ chevron obligation to remove the late payments. According to title 15 USC 1666b ( a ) A creditor may NOT treat a payment on a credit card account on a open end consumer report as late for any purpose. And according to title 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report DOES NOT include transactions, including late payments or experiences between the consumer and creditor or person making the report. Therefore, synchrony bank/ Chevron has violated my consumer rights when this account was opened by reporting late payments to the credit reporting agencies. They are still reporting these late payments today. If the removal of the late payments is impossible due to the account being closed, I request that synchrony bank XXXX Chevron CEASE REPORTING THIS ACCOUNT TO THE CREDIT REPORTING AGENCIES. I also know that any creditor needs my written consent to report my information to credit reporting agencies. The violations they have incurred is {$1000.00} each. I have enclosed my invoice for the violations. I will settle for payment of {$1000.00} of the invoice charges ONLY if synchrony agree to REMOVE ALL LATE PAYMENTS. IF THEY CAN ONLY DELETE THE ACCOUNT, I WILL SETTLE FOR {$2000.00} in monetary relief for violating my consumer rights. IF THEY CAN NOT COMPLY WITH ANY OF MY REQUEST CONCERNING THE REPORTING OF THIS ACCOUNT, I WILL NEED {$4000.00} for the violations. Please Make check payable to 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 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
On XX/XX/2022 Rushmore Loan servicing told me that my home was not up for sheriff sale despite phone calls I was getting from 3rd parties. This was not accurate and I was told this on a recorded line. 

They are of no assistance at this point and I am forced into a corner with my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like the system is taking advantage of me. 611 ( a ), it is plainly stated that a failure to investigate these items when 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should deleted 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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation