vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: NY

Complaint narrative:
Victim of XXXX  XXXX security data breach. Currently undergoing XXXX XXXXXXXX data breach settlement case. The inquires listed below are inquiries not initiated by myself nor did I receive a phone call my phone number had been changed and I unintentionally failed to update it with the credit bureaus. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Business type : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2023-01-24 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: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I recently wrote to Hancock Whitney Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Hancock Whitney bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Hancock Whitney bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Hancock Whitney bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Hancock Whitney bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Hancock Whitney bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Hancock Whitney bank is seemingly willfully noncomplying. Furthermore, Hancock Whitney bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Hancock Whitney bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Hancock Whitney bank continues to falsely verify as accurate. This has to stop at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: OH

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crime 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 a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion did not fix credit report due to fraud. They just charged off accounts which dropped my credit XXXX points. I have sent numerous documents to the credit companies and Transunion and no one did a thing.

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 2023-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted an FTC Identity theft report ( FTC report Number : XXXX ) to Equifax on XX/XX/XXXX in regards to 5 fraudulent accounts and 2 fraudulent inquiries that are reporting on my Equifax credit report. Equifax is not complying by the rules of the FCRA to disputed fraudulent accounts by not blocking this accounts and inquiries. 

Accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

Inquiries are as follows : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX I have made numerous unsuccessful attempts contacting Equifax to have these fraudulent account and inquiries blocked after providing the requested documentation under the FCRA. These 5 fraudulent accounts and 2 fraudulent inquiries are still being reported by Equifax and continue to unfairly affect my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I was denied a home loan modification and given the run around with missing or incomplete paperwork then told to submit the missing or incomplete paperwork then told it was out of date and start over very shady and deceptive business practices which led to me losing my home of 10 years every time I applied for a modification the bank would deny it and then transfer my mortgage to a new servicer ( bank ) so many banks screwed me and last time I checked federal law states if Im injured in that way I am entitled to triple the loan amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Credit Karma, LLC
State: NV

Complaint narrative:
Ive been with Credit Karma for years now. Im so happy to know that Im not the only person that was tricked into applying for a credit card that they knew I wouldnt get approved for. This has happened on more than occasions. I havent applied for anything through them in a a while because I know that wont be approved. Im not sure how they are still in business because nothing on the website gives accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Credit Karma advertised that guaranteed approval applies on their site. However, no instant approval during such. This process affected credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: AR

Complaint narrative:
I found out that there was a XXXX account in collections under my social in which I have NEVER IN LIFE had XXXX. I contact XXXX and let them know several times and XXXX kept telling me the collection agency had the account and that I needed to let THEM know in order for XXXX to be removed. I have filed disputes against both this company and XXXX in which neither has followed protocol for theft/unauthorized use of information. THE ADDRESSES they have attached to this account I have NEVER LIVED AT and they are in a state in which I have not lived since I was XXXX XXXX XXXX! A minor so it is impossible for me to have had XXXX XXXX in a place that doesnt even OFFER XXXX XXXX have I ever give anyone permission to use my information at ANY TIME for ANY REASON. This is absolutely unethical and I demand this be removed immediately. THIS DOES NOT BELONG TO ME AND THEY KNOW IT DOEST AS I HAVENT LIVED IN THE STATE IN WHICH THIS ACCOUNT IS XXXX ACHED TO IN XXXX XXXX YEARS. And I also NEVER LIVED AT XXXX ADDRESSED ASSOCIATED WITH IT EITHER! I have never had XXXX XXXX HONE CABLE NOTHING! And ALSO when I contacted XXXX to find out more information I found out that the date this company was reporting wasnt even the opening date of the fraudulent account! So not only is the original account fraudulent to begin with, this COLLECTION AGENCY HAS ALSO FRAUDULENTLY SWITCHED THE DATES XXXX MAKE IT SEEM MORE. XXXX XXXX IS EVEN WORSE! TAKE THIS OFF NY XXXX XXXX NOW! THIS IS A VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded. 
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX XXXX, ID XXXX XXXX, sent a money transfer to my sister 's account XXXX XXXX in the amount of XXXX USD. The money was not accepted by the receiving bank and was sent back to the sender 's bank of XXXX XXXX. 
The money was not returned on time. At the moment they are stored in Citibank, the reason why the money was not returned to my account is not disclosed. please understand the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Was falsely informed by Credit Karma of excellent chances of being approved for various credit cards. This has caused numerous credit inquiries on my credit reports and a large decrease in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
XXXX  i bought a challenge paid XXXX down. While i was out the country my payments were not applied to my loan and one of your loan officers told me i couldnt afford to pay my debt even though i offered $ XXXX cash.since then it has ruined my life

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 2023-01-24 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: Home Loan Center, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I received a notification that XXXX hard inquiries were performed on my credit report : XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I did not authorize any of the aforementioned companies to perform any form of background check or credit check. More importantly, I have never even heard of those companies and I do not know how they obtained ANY sort of personal information about me enough to run any form of check. What I did find out is that they were contacted by LendingTree. I received an automated email from LendingTree on XX/XX/2023 regarding auto loan refinancing. I clicked on the email, answered BASIC questions about make/model of vehicle. Within 30 minutes I received the notification of the XXXX hard inquiries. I immediately called the XXXX credit bureaus and was told to also contact the XXXX XXXX XXXX to report LendingTree. I filed a complaint with the XXXX and received a response from the XXXX  of New Jersey stating that they will not be moving forward with my request because the company LendingTree is either unreachable or they appear to be out of business. Ironic because XXXX days later I received an email from LendingTree asking me if I was satisfied with the auto loan refinancing and I replied to all of the questions asked. I continue to receive automated emails from LendingTree on a daily basis, so the notion that this company is unreachable or out of business is an atrocious excuse to not do ones job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I would like to formally dispute fees of {$29.00} and {$4.00} appearing on my Bestbuy/Citicard statement closing on XX/XX/XXXX. These charges stemmed from an unauthorized charge of {$190.00} appearing on my statement that closed XX/XX/XXXX. 

I spoke to the customer service representative in XX/XX/XXXX and explained that I did not authorize the charge of {$190.00} and that charge was removed. I also closed my account at that time. 

I spoke to a customer service representative in XX/XX/XXXX and explained that I did not authorize the {$190.00} charge and was able to get fees for {$40.00} and {$3.00} ( interest ) appearing on my statement closing XX/XX/XXXX removed. 

The customer service representative informed me that I still had an outstanding balance of {$32.00}, but she could not explain the rationale for this charge. Although she could not identify the reason for the charge, she told me that I did not have the right to dispute this charge. I explained that I did indeed have this right, and I informed her that she, as a representative of Best Buy/Citicard was saying something at least incorrect and at most Illegal. When asked for an address to file a formal dispute in writing, she would not provide this address until I threatened to report her. After being on the phone for about 1 hour, the Best Buy/Citicard customer service representative hung up the telephone.

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 monetary relief
Consumer complaint received 2023-01-24 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo charged my account hundreds of dollars in overdraft fees due to not taking the funds out in a timely manner. I eventually closed the account and never received any of those overdraft payments back.

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 2023-01-24 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I found out that a bank account was open in my name with Bank of American I closed the account when I found out. My name was incorrectly spelled and used old address.

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