vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I was trying to open a Free Checking with PenFed Credit Union and they refuse to open it with no explanation. I tried online and it will not let me and no one will give me a reason as to why I can not open the Checking 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made numerous complaints regarding this account, I have made the complaint to XXXX XXXX it's self and all three of the credit bureaus. 
I currently have a complaint that is in progress, regarding this account regarding all the inaccuracy I have found since I have been working on this account. 
This account has been removed and placed back on my credit file over XXXX times and not one time did either of the credit bureaus notify me within five days that they were reinserting that account on my file. 
On XX/XX/2023 I received a letter in the mail from Experian stating that my account has been verified and updated but as I look at the reported, they are still reporting that I had a charge off XX/XX/2023. This inaccurate information that caused me to have a loan denied earlier this month from XXXX XXXX, after disputing this information XXXX times and they have not got it correct, this account should be REMOVED IMMEDIATELY. 
This account is currently under dispute but, they sent keep reporting inaccurate information. 
XXXX sent out a letter that I received today XX/XX/2023 from XX/XX/2023 stating that they have updated my account from XX/XX/2023 but the account is reporting inaccurate 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report, They were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-16 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: PA

Complaint narrative:
I informed Equifax that the following items were unauthorized inquiries and asked them to investigate. Equifax did not investigate, nor did they respond to my follow-up dispute. Equifax did not provide me with any documentation to support these erroneous inquiries : XXXXXXXX XXXX XXXX XXXX  XXXX, Inquiry Dates : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: AZ

Complaint narrative:
Are transactions & experiences allowed to be reported on my consumer/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 2023-10-16 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: AZ

Complaint narrative:
Are transactions & experiences allowed to be reported on my consumer/credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  XXXX - reported to collections agency aldous and associates. Date opened XX/XX/2019, balance {$130.00} I have contacted both the collections agency and the XXXX XXXX  to request the information as to why this account is open eventhough it's not mine. And I was not provided any information nor account number. 

I have contacted all credit bureaus to create a fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: IL

Complaint narrative:
I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-10-16 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: GA

Complaint narrative:
I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 
See below : -- TRANSUNION -- XXXXXXXX XXXX XXXXXXXX XX/XX/2023 -- XXXX -- XXXX XXXX - XX/XX/2023

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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There have been several transactions made on my account this is the 2nd time that this has happened I reach out in regards to the transaction that occurred in XXXX via XXXX I I dont not send money to people on XXXX I strictly use XXXX due to it being with my bank and there was a stretch of days where some sent hounded of dollars out of my account, the dates are XX/XX/XXXX {$100.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$210.00} And just last week my card declined for my art auto pay due to insufficient funds when I went to looking at my account there had been five fraudulent transactions darting back to XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XX/XX/XXXX {$640.00} XXXX XXXX XX/XX/XXXX {$210.00} & {$110.00} XXXX This is ridiculous due to my direct deposit is sent to this account and my billing as well, Im quite frustrated with a lot of these transactions occurring in spurts and the lack of attention by Wells Fargo.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Attention : Lending Team for Apple/Goldman Sachs credit card XXXX XXXX XXXX I applied for a credit card on XX/XX/2023 and got denied. 
Regardless of the reason for being denied, I have the right to credit. 
Withholding my access to my securities is securities fraud. 
You are violating the equal credit opportunity act and consumer protection act. 
Since you are denying me my credit, please retract my application. 

This is a direct violation of my rights as a consumer. 

15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 

15 USC 1691 ( 3 ) I exercised my right to credit. 

15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me? 

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me. 

15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card. 

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit. 

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 

15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. 


XXXX, XXXX XXXX attorney in fact for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters via certified mail and also sent a dispute on the Experian website to delete someone else address from my credit report. I sent a letter advising that according to : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting me my rights violates 15 USC 1681 and all its subsections. 

Experian is reporting inaccurate information on my credit report, and I have requested multiple times to remove someone else 's address from my credit report. They continue to say that the address is correct, which I tell them is not. I know that Experian is only going off systems codes to verify information and not looking at their XXXX XXXX database to confirm if any information is accurate on my consumer report. I request that Experian remove XXXX XXXX XXXX, XXXX, TX XXXX, 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 2023-10-16 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: RockLoans Holdings LLC
State: CA

Complaint narrative:
In XXXX of 2023, Rocketloans.com started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my SSI ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, Rocketloans.com grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple letters via certified mail and also sent a dispute on the XXXX website to delete someone else address from my credit report. I sent a letter advising that according to : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting me my rights violates 15 USC 1681 and all its subsections. 

XXXX is reporting inaccurate information on my credit report, and I have requested multiple times to remove someone else 's address from my credit report. They continue to say that the address is correct, which I tell them is not. I know that XXXX is only going off systems codes to verify information and not looking at their XXXX XXXX database to confirm if any information is accurate on my consumer report. I request that Experian remove XXXX XXXX XXXX, XXXX, TX XXXX, 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 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Serious Complaint of Fraudulent Activities, Harassment and Violation of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to register a complaint against Bank of America, concerning an ongoing issue related to a fraudulent auto loan that was discovered under my name in XX/XX/2023. Despite providing a police report and identity theft affidavit, Bank of America continues to hold me liable for this fraudulent account. 

Bank of America 's fraud investigator, XXXX XXXX ( Phone Number XXXX ), has notably surpassed professional boundaries. Her conduct has been abrasive, confrontational, and ultimately, harassing. Despite my repeated insistence that she communicate with my attorney ( as outlined in the letter sent to Bank of America on XX/XX/XXXX ), XXXX XXXX disregarded this directive and continued inflicting distress upon me with inappropriate and intrusive phone calls. 

What's more, she exceeded her jurisdiction by contacting my local police department and falsely accusing me of forging my police report. This resulted in a detective contacting me to question me based on her allegations. Following the investigation, the detective confirmed that there was no evidence pointing towards me being the one who took the loan. 

I wish to underline that such conduct and disregard from Bank of America and its representatives severely infringe on my rights under the Fair Credit Reporting Act ( FCRA ). As per Section 615 of the FCRA, any user of a credit report is required to provide a notice of an adverse action ( like applying higher interest rates ) if the action is based upon information contained in a consumer report. However, the bank in question is alleging a fraudulent loan on my account and categorically denying my involvement in it. 

I believe the activities and conduct of Bank of America and its representative have been grossly inappropriate, potentially illegal, and a clear violation of my rights. As such, I request a full-scale investigation involving federal intervention to bring justice to this matter promptly. 

Attached herein is the letter from my lawyer, outlining that all further communication related to this matter should be directed to him. 

Should you require any further information to pursue this case, please feel free to contact my legal counsel. I look forward to a swift resolution to this matter and thank you for your intervention. 

Yours sincerely, 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
company is reporting an account that does not recognize its authorship and contains dates and values that I never used or recognized in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, XXXX, there is no third party involved. On XX/XX/23 I sent out a dispute letter and have not received a response from Experian regarding my inaccurate accounts causing financial hindrance in my household. I haven't gotten a response yet.

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 2023-10-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
These are American Express Business Gift Cards. I purchased XXXX XXXX {$100.00} cards in XXXX or XX/XX/XXXX. Have used all but the last 2 and since XX/XX/XXXX have tried to use them online and in store for the and no one will take them. Online on XX/XX/XXXX I tried to use it on XXXX, it took the card and did an authorization but then declined it. The amount was for around {$75.00} which was under the {$100.00} balance. Had to wait several days before the Pending charge was removed. The cards still do not work anywhere. 

In Store it just says " Not Authorized ''. Tried XXXX XXXX twice. Contacted Amex support today XX/XX/XXXX and was told nothing was wrong with the cards to try another in store transaction at a different store and that only some store will take it now because of New Security features on the cards that require the Security Code. However at the store no where to input the code. Was told that some of the attempted transactions did not show up. I tried several online stores and they declined the cards. 

I checked the balance on both cards and they both have the full balance on them, which was confirmed by Amex support on the phone today. 

XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Letter to Discover Card Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX Il XXXX Subject : Account Reinstatement Inquiry for Discover Card Dear Discover Card Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my Discover Card account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. 
I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. 
I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. 
Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. 
Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. 
I went through a lengthy process of verifying my income providing bank statements etc. which was ultimately denied because I wrote the starting balance incorrectly, instead of clarifying this information my account was closed without notice and refusal to reopen. 
I have called in an attempt to resolve this matter and was denied by a XXXX or XXXX who submitted a complaint on my behalf as Manager was not taking phones calls. 
Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. 
Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation