vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am, XXXX XXXX submitting this complaint against TransUnion and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) TransUnion has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions.

WHICH I GAVE TRANSUNION NOT WRITTEN CONSENT!!!!!!!!!

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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After recently reviewing our credit reports from Transunion, XXXX and XXXX, we were shocked to see a firm called XXXX stating that we were delinquent. We never heard of XXXX. According to Transunion there is payment history from XXXX, but was never provided. Disputes have been submitted to remove XXXX from our credit reports, but Transunion is the only credit reporting agency that hasnt removed it. Please help us keep XXXX and Transunion from attempting to cause us financial/employment harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.

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 2022-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022 Navy federal transferred {$1800.00} from my savings account to another savings account within the same institution. Navy federal advised that they were able to make the transaction since I am a joint owner to the account in which they transfer my money to. I was made a joint owner by navy federal bc this is what they require when you open and account. They did not give me any prior notice to transferring money from my savings account to this other account. I'm in the middle of a housing transaction in the middle of purchasing a home!!!!! and this transaction can cause me to lose my financing. They transfer the money from my account because the other account was overdrafted due to fraud even though the transactions have already been disputed and reported. They should not have taken money from my account!! My account is not connected to this other account. Please put my money back!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These inquiry were removed from Transunion report then came back on report with no notice. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Recently learned of Transunion Error Please assist

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 2022-04-27 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/2022 on XX/XX/2022 provide the information about the identity theft to XXXX Credit Acceptance Corp {$17000.00}

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 2022-04-27 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, have watched Experian lie to this entity about their practices and how they break the law, 605B FCRA. As a CRA, Experian is supposed to obey the law not reinterpret rewrite, or break the law. As the CFPB knows, Experian is to block the information I identify that occurred from identity theft. 
As a consumer, I have to provide 4 items to start the 4 business day clock to block the fraud info on my file. 
After blocking, Experian is to notify the furnisher of the blocked info they blocked from identity theft. 
Then Experian awaits a reply within 30 days of notification. If no reply is timely, the info remains blocked forever. 
Then if a reply is made, they are to determine reasonably that 1 of 3 things happened. 3 separate and distinct things. Error. Material misstatement of fact. Goods or services or money were obtained from the blocked accounts. It has to be real and proven, not just guessed at. 
I have identified my info clearly That needs to be blocked in 4 business days or less. Experian lied and said I did not provide it. Laughable and stupid. They got the police report, its clear in their also. So do not let them lie any more.

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 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from thXXXX delivery company XXXX XXXX  XXXX the Scammer ) and lost XXXX USD of my hard-earned funds. I advised Citibank of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. 
Despite providing the bank with the required explanations of my case, Citibank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. Citibank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. Since XX/XX/XXXX, I have been attempting to resolve this matter with Citibank, but they have failed to settle this matter satisfactorily. I have been dealing with Citibank in good faith and am deeply disappointed in how they have handled this matter thus far.

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 2022-04-27 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: Central Portfolio Control Inc.
State: CO

Complaint narrative:
On XX/XX/25, I disputed a derogatory mark from Central Portfolio control on XXXX. I see that they have marked this account as open 8 months ago, this is not correct. The account they are referencing was opened years ago. I asked for them to remove the fraudulent information and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, US Dept of Education 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 2022-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Borrower submitted a complete loan modification application package to XXXX for loss mitigation on XX/XX/2022 while the foreclosure sale was postponed until XX/XX/2022. While the loan was being underwritten the loan was transferred to Rushmore Loan in XXXX without decision being made. We contacted Rushmore in XXXX but they had not received the full file with the loss mitigation docs we submitted however they allowed the foreclosure to move forward for XX/XX/2022. We contacted VA to request a postponement while we resubmit a new file to Rushmore. Although the VA rep. requested a postponement of the foreclosure he could not determine if Rushmore would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am, XXXX XXXX submitting this complaint against Equifax and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Equifax has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions. 

WHICH I GAVE EQUIFAX NOT WRITTEN CONSENT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I logged onto my online banking app on XX/XX/22 to find that {$270.00} had been transferred out of my savings account at roughly XXXX via XXXX without my authorization. I notified the Wells Fargo Fraud Claims department of this and, they issued a temporary credit while they looked into this matter. On XX/XX/22 my claim was reversed, so I called Wells Fargo to find out why my claim was denied. The claims worker informed me that the claim had been reversed as they claimed that the transfer originated from my fiance 's phone, even though I have never once logged into Wells Fargo using her phone, and there would be no way for her to know my login information, as for security reasons, I am the only one that knows the login information for my account.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XX/XX/XXXX Have a unknown card in my hard Inquires JPMCB never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown XXXX XXXX XXXX never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX never had or received one nor signed up for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
XX/XX/2022 on XX/XX/2022 provide the information about the identity theft to Experian XXXX XXXX XXXX {$17000.00}

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 2022-04-27 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:
The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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:
The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid 19 pandemic is still active and in place. Capitol One Bank for the months of****XXXX  and XX/XX/XXXX are reporting 2 late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX I received a notification that a check had cleared on my account for {$9400.00}. After researching this transaction, it was determined that a check I had written and mailed via the post office for {$79.00}, was washed and re-written for {$9400.00}. 
The individual took the check to another Truist Location, opened up and account and mobile deposited the fraudulent check. I contacted my back immediately, filed a police report and signed the affidavits provided by my the bank. I was was told initially that the bank would apply a provisional credit on my account within 10-14 days. 
I contacted the bank of XXXX and they are now telling me that it would be 90 before the money will be returned to me due to the back log. This is unacceptable. This is an obvious case of fraud, the bank has agreed, and they told me the funds were placed on hold and not given to the customer. If the funds were not dispersed to the fraudster, then why have they not been returned to me. I contacted several other banks today, and they all said best practices is 10-14 days standard on fraud claims. I can not wait 90 for the funds to be returned, I have bills to pay. I have been a BBT/Truist customer for years. I have multiple business loans and accounts with your bank. Please assist me in getting this situation resolved. 
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 2022-04-27 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. Please see attached documents and ID as it contains my full complaint and requests

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
The mortgagee, Mr. Cooper, filed fraudulent 3rd party claims to my property insurer, which resulted in my insurance company cancelling my policy. They also reported to my insurance company that my property is vacant- which is veritably untrue. 


Mr. Cooper XXXX XXXX  XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I used Venmo and my account was frozen without notice. I have no access to my money in the account and there is no one who can give me any explanation as to why it is frozen. I uploaded my state issued ID like they asked for and that did not work. My friend sent me money to build a wheelchair ramp for her son. I can't complete the ramp until my money is returned. This is a safety and health issue for him. It's not right that they can hold money XXXX like they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
My daughter has a student loan through XXXX XXXX for two years now and XX/XX/22 is the third time the borrower has been late in making payments that are due on the XXXX of every month. This is also the third time that they called the co-signer at work in regard to the late payment without making a single call to the borrower first. 

Each time they have called me multiple times claiming " there is a problem with my account '' in which I am the co-signer, not the borrower. On XX/XX/22 XXXX ( representative number XXXX ) stated that the account is now delinquent and that's why the calls are being made. When I asked how late the payment was she said " one day '' which isn't delinquent, it's late. 

These are obviously harassment tactics used to embarrass the borrower into making their payments on time as they haven't called the borrower once, but on three separate occasions called the co-signer multiple times at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
This company sent me a collection notice on XX/XX/2022 regrading an allegedly debt account. In my response, I sent back on XX/XX/2022 within the 30 day dispute period to ask for a debt validation, which is my legal right as a consumer. I received no response back from them. I then sent a follow up letter on XX/XX/2022 regrading this debt validation. Again no response back. I am no lawyer, but I do understand if I ask for a validation of debt, the collection legally have to response with proof of debt with a contract. Just this week, this collection agency has ignore my request to validate this debt and report it to the credit bureau.

Company response to consumer: Closed with explanation