vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
I received a notice from A credit bureau company in my email today, XX/XX/XXXX that said I had a grossly derogatory report from my mortgage company. I viewed the report and they opened up a report to my credit bureaus reporting my ENTIRE mortgage amount of {$110000.00} Having been modified not under a federal government plan As of XX/XX/XXXX. 
Every last bit of that is grossly incorrect and completely 1000 % wrong!

I called my mortgage company and spoke to two supervisors and they know it is incorrect, but they can not change it until they do an investigation. In the process now, my credit is going to get horribly affected because theyve reported it to my credit bureaus, but they said they can not change it because it was done by someone in the back office in the Credit department!!!! 
My credit score of XXXX is now going to be completely destroyed because someone in their banking institution has made a disgusting and horrific error and this needs to be rectified and their financial institution, M & T Bank needs to be held accountable!!!!! 
I want this removed from my credit and any and all agencies that it has been reported to by their institution immediately and I want my credit to be reinstated as it was. 
They have made a complete and horrible error. Reporting this in the manner that they have. 
There is a Covid hardship forbearance loan that was originated in XXXX and there is paperwork and documentation that was generated which is a SEPARATE LOAN, and I have all of the documentation to proof that, and there is nowhere in that paperwork that states that this is to be reported to any credit bureaus whatsoever. 
They have made a horrendous and negligent error on my credit and they need to be held accountable.

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 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I need a 1099 c form if Toyota financial wrote of the debt with the IRS. Theyre required to do so. I want the company they hired without my permission break a law and giving them my identity and information without my consent. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I have just tried to call in to the experian fraud team for the past 4 hours. I have been disconnected over 6 times & tried calling over 6 separate times. This is very ridiculous that I am not able to reach someone over the phone without being hung up on. I have information on my report that was due to the identity theft that needs to be removed ASAP. 

The information due to identity theft that needs to be removed is stated below : XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Employer 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My account was overdrawn today by XXXX. {$140.00} of that was overdraft fees. {$35.00} fees given 4 times over the course of two days ( XX/XX/XXXX and XX/XX/XXXX ). I called Wells Fargo today to see about getting these fees reversed. I told them that I am working 30 hours a week and get paid {$530.00} a week and that these overdrafts were for bills that were scheduled as auto-pays. I asked for the full {$140.00} to be reversed to help with the major overdraft of my account. They notified me that they could only refund {$70.00}. I asked to speak to a manager. The XXXX again stated due to this new policy I was not aware or hadnt be notified of, that they could only refund {$70.00}. I told her that my issue was that this bank is AUTHORIZING there payments to go through even though my account is already withdrawn and then penalizing me large sums of fees and its predatory. I asked why they just didnt decline my transactions. She offered to sign my account up for a program that would decline transactions with an overdrawn account. I asked if this included preauthorizations and she couldnt guarantee they would decline. To clarify, I asked if that meant the only way to guarantee that my transactions dont go through when my account is overdrawn is to go and cancel EVERY auto-scheduled bill payment I have. And she said yes or sign up for a savings account with us that could be overdraft protection. I assured her if I had any savings and wasnt living paycheck to pay check that I wouldnt have an overdrawn account. I am doing my absolute best to use everything that I have to pay the basics without overdrawing my account. I would just transfer banks, but this account is my longest standing account that has been open over 10+ years. I think the people who get penalized the most here are the ones truly trying their best to make due with what they have and theyre being taken advantage of as a result.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I went to a party/get together with my friends on the first week of XX/XX/2024in XXXX MA . My wallet was stolen and my business debit card, personal credit card, social security number, a posted card with personal notes were in the wallet. I did drinks and was a little buzzed. I am not sure who took my wallet and who went through my phone. I do not have a passcode on my phone and on my notes app I have all the login information to all bank accounts, medical accounts, etc. I filled a claim with Citizens Bank ( business debit card ) because {$16000.00} were spent. I gave them as much information I could remember and they still are denying my claim. Looking at my bank account I was that {$15000.00} were moved from the savings account to checking ( I did not make that move ) I did stress it enough with the claims departments. Even a Citizens representative stated that the online banking was compromised!! Secondly, the person that was using my card took thousands of dollars out the ATM ( which there is cameras on every ATM ) I also told the claim department to review the cameras. They response was that even if they review the cameras the decision stand, and the claim will remain denied. I tried every revenue I could with them and I am still getting denied. The person using the cards went to stores I never shopped. Over {$16000.00} were taken from me and Citizens Bank DOES NOT care to review the cameras over even take it into consideration that their OWN employee stated that my online banking was compromised! 
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Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I am writing to formally express my dissatisfaction and frustration regarding the recent attempts made by Mercedes Benz Financial Services to collect a debt for an auto lease that has already concluded. Despite the clear terms outlined in the lease end agreement, which explicitly states that I owe nothing upon the termination of the lease, I have received multiple notices and communications demanding payment. 

It is evident that Mercedes is knowingly disregarding the terms of the agreement and engaging in unjustified collection efforts. This not only violates the terms of our prior agreement but also constitutes harassment and undue stress on my part. 

I request an immediate cessation of all collection attempts and demand that Mercedes rectify this situation by acknowledging the terms of the lease end agreement. 

Furthermore, I reserve the right to take legal action if these demands are not promptly addressed and the unwarranted collection attempts persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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 : Account XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXXXXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an 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 and 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 or may be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account is not mine, and I did not authorize its use. Please remove this erroneous account from my records.

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 2024-03-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inaccurate names and a dress have been posted on my credit report for different collection agency. Names do not match and addresses do not match to me. Please have them update my credit report and have the charge-offs, collections removed that do not match 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 explanation
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
Inaccurate names and a dress have been posted on my credit report for different collection agency. Names do not match and addresses do not match to me. Please have them update my credit report and have the charge-offs, collections removed that do not match 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America N.A. has denied my open ended credit application # XXXX under my Small Business XXXX XXXX XXXX. 

Please express your denial claim under sworn penalty of perjury letter or an affidavit of Truth on record lawfully. 

Once you are unable, please provide the maximum amount of credit extended upon my request, {$100000.00} USD. 

Bank of America is in violation of 12 CFR 1002.7 Rules concerning extensions of credit. ( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

15 US Code 1681 a adverse action ( k ) section 1 Adverse definition 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. 

15 U.S. Code 1602 - Definitions and rules of construction Defines creditor, credit card, etc, I am the Original creditor.

12 CFR Part 1002 - PART 1002EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) 15 U.S.Code Subchapter IV 1691 EQUAL CREDIT OPPORTUNITY 1691 ( a ) scope of prohibition and what Im entitled to per my rights via discrimination 1691e ( civil liability ) for taking adverse action with my as said application U.S. Code Chapter 41 Consumer Credit Protection Penalties 1691 ( a ) rules of construction 1691 ( d ) consumer Report Exclusions subject to 1681 s-3 Nondisclosures WITHOUT MY CONSENT Ive applied in good faith, which I have the full faith and credit backed by the United States XXXX 

Complete case of identity theft and discrimination in which Bank of America N.A. will securitize my application while still denying my request of open ended credit. 

Please adhere to my requests below.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I've checked my credit report and see a company named NATIONAL CREDIT ADJUST High Balance {$480.00} Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of Last Activity XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was unaware of this debt, IXXXX didn't have the opportunity to dispute this debt/information, I did not receive proper notification. If in fact this collection agency believes I was given proper notification, then please send me the certified receipt with my name on it-my signature. 
The Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection item on my consumer report. This omission of validation information is a direct violation of my rights and has negatively impacted my credit standing. 
Despite the regulations stipulated in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This lack of due process further compounds the unfairness of the situation and violates my rights as a consumer. 
It has come to my attention that the Collection Agency is engaging in false, misleading, and deceptive practices. Such actions are unacceptable and constitute a breach of consumer rights. I demand that these deceptive practices cease immediately.

Additionally, the Collection Agency is furnishing information to consumer reporting agencies without providing the necessary disclosures required by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This practice is a clear violation of my rights as a consumer and must be rectified.

Company response to consumer: Closed with explanation