vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 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: NJ

Complaint narrative:
15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account XXXX : 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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
In XXXX I was getting calls from them a little bit and I asked them to stop contacting me and then they proceeded to flood my phone with different numbers threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company will not allow me access to my credit report I've reported that someone hacked my email and password for the account and they refuse to investigate and allow me to freeze credit and report fraud XXXX and Experian both

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 2023-06-23 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-23 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: NJ

Complaint narrative:
15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: NJ

Complaint narrative:
15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account XXXX : 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 2023-06-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T BANK DID NOT CONDUCT A THOROUGH INVESTIGATION AFTER I NOTIFIED THE BANK OF UNAUTHORIZED DEBIT CARD TRANSACTIONS FROM CHECKING ACCOUNT. 

M & T Bank violated the Code of Federal Regulations 12 CFR 1005.11.

1. M & T Bank did not conduct a thorough investigation of M & T case # : XXXX is violating Federal Regulations 12 CFR 1005.11 ( c ) ( 1 ) a. M & T Bank staff never contacted me during the investigation. It is impossible to conduct a thorough investigation without the input of the claimant.

b. The bank staff never requested additional information during the investigation. The request for additional information took place after M & T Bank denied the claim.

c. A thorough investigation would have yielded answers to concerns such as the pattern of the debit cards use, such as timing, location, and dollar amounts of transactions ; location of the transactions relative to the residence ; location when the error occurred. 
2. No written explanation as mandated in 12 CFR 1005.11 ( d ) ( 1 ) a. The Code of Federal Regulations states, The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings. 
i. See documentation labeled : Evidence # 1 Letter from M & T Bank denying the claim.

ii. See documentation labeled : Evidence # 2 Report prepared by XXXX XXXX, M & T Bank Customer Advocacy. 
3. M & T Bank provided No documentary evidence as requested per 12 CFR 1005.11 ( d ) ( 1 ) a. M & T Bank denied my right to review the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents. 
i. XX/XX/2023, I Requested the documents that the institution relied on in making its determination from M & T Bank Specialist, XXXX XXXX per 12 CFR 1005.11 ( d ) ( 1 ). 
ii. XXXX XXXX indicated there were no documents in the file because there was no investigation. 
Attachments : Evidence # XXXX Letter from M & T Bank denying claim # XXXX Evidence # 2 Report : XXXX XXXX, M & T Bank Customer Advocacy

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 2023-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
I was working with the Flagstar to get a modification on my current mortgage loan and on XXXX the XXXX or so I received a packet from Flagstar with a modification packet. The packet was dated to be signed and returned and notarized by the XXXX of XX/XX/2023 if I wanted to accept the plan that was given to me. My wife and I signed the required documents in the places that Flagstar had stated they needed to be signed. The documents were then notarized and sent back to the within the requested time and in the envelope the provided. At the beginning of XX/XX/2023 maybe a week or so after returning the documents I then got another packet in the mail advising that my modification has been fully executed and attached was a copy of my modification for my records. However when I called to make my payment on the XXXX of the month of XXXX I was unable to do so. I was advised that my loss mitigation case was closed on the XXXX of XXXX and that I couldn't make a payment. I asked why and they stated that the date on documents on page 5 didn't have the same date. I advised that I hadn't received anything regarding that there was any errors and that I had gotten my letter stating that my modification was approved and that the document was signed and dated and stamped by their office. I advised them that I it was and error that I nor the notary saw at the time and neither did they and asked if I could get new documents or even send in the copy that they sent. I have been waiting for a call back from them and have not gotten XXXX. I need my home and I am ready able and willing to make my payment as I told them. I even asked I could just make the payment since they approved it and they wouldn't allow it. And now there is a sale date on my home and I did everything I was supposed and it was approved.

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 2023-06-23 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: NY

Complaint narrative:
A debt collection company by the name of radius global solutions has furnished a debt upon my credit report. When reporting the debt false for ownership because I had no idea of this debt and I do not owe this money being that there is no signed signature of my name on any biding contract with the original or collection agency with the furnish amount of XXXX. Upon investigation with the three credit bureaus they came back validated with no proof. Upon further inspection and requesting of validating proof, XXXX was the only credit bureau to remove the falsely reported information from my credit report. 

The same is for a XXXX account, it shows on my equifax and experian report but not on my transuion. Please, Id like these items deleted from my credit report, both bureaus immediately as they do not reflect my report honestly as a consumer and I was not provided with verified proof of this investigation of it being mine within 30 days from the credit bureaus, equifax and experian when requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Spoke with rep they settled for amount.Paid in full directly to them Capital One. Also received letter saying debt paid in full will be reported as completed.Its been XXXX months still no update .Still saying owe {$540.00}!!!!!! Called them spoke with department XXXX times confirmed settle told me it wasn't going to report anymore still showing negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-06-23 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: GA

Complaint narrative:
This has to do specifically with Transunion. A credit company called XXXX  was the merchant. I had an account opened fraufrntoy in my name. I disputed it and XXXX mailed me a letter stating the were going to investigate for XXXX days. They then sent another letter stating they confirmed it was identity theft and requested it be removed from my account. XXXX and XXXX have removed it but transunion refuses to do so

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 2023-06-23 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: Credit Karma, LLC
State: PA

Complaint narrative:
I'm reporting about credit karmas guaranteed {$50.00} if you don't get approved for a credit card they will give you {$50.00} it's a scam and a fraud I got that message in my email and on my credit karma report that they would give me {$50.00} if I didn't get approved for a credit card well I applied for the credit card with a {$39.00} annual fee they ran my credit and I did not get approved all the sudden I got redirected to a higher interest rate credit card with a bigger annual fee and how to make at the deposit into their checking account with this card they recommended so I did not get approved for the card that credit card recommended that I would I had a high approval rate they said so at the meantime I did not get the {$50.00} plus I got my credit score lowered credit cardment is a big scam in a fraud would saying that they will guarantee you {$50.00} if you don't get approved credit karma also gets paid by the credit card companies for having people apply for their credit cards which this is a big scam like XXXX I hope something gets done about this because credit karma is making a lot of money off of people doing this and they're not giving him not giving them their {$50.00} it's a big scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Apparently my identity was stolen and someone opened a account with XXXX XXXX XXXX Bank I been trying to explain to Midland Credit Management that I was a victim of identity theft and I have rights regarding this debt, nobody verified the debt with me or anything as of today the debt is not on my credit report but this against the fair credit act and I will be taking legal process if it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/23 I reserved a rental car from the website XXXX. When I showed up to pick it up, I was advised by the XXXX XXXX that I would be unable to rent the vehicle after all and I would get a full refund. He stated this was due to the fact that I only had my Bank of America debit card and not a credit card. Even though the website specifically states a debit card is acceptable. I was charged in full for the vehicle rental in the amount of {$130.00}. I disputed this with XXXX and with Bank of America. XXXX has stated they submitted " documentation '' ( attached ) that I did in fact rent the vehicle, however that provided documentation proves nothing. Their website even shows the rental was " cancelled ''. I still have not received my money 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 monetary relief