vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: Kriya Capital, LLC
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: T.S. Holdings
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
XXXX XXXXXXXX and XXXX XXXX stated that it was their policy to ask for a in footprint State ID to open an account or proof of address including a lease, signed federal income tax or utility bill. A utility bill from XXXX XXXX cell phone bill, which the federal government considers a utility, was not accepted stating that " it was not a utility bill ''. This happened at both the Old National Bank location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX both locations at which both managers refused to open a bank account stating the above. Even when presented with a utility bill, multiple bills received via mail, Unexpired XXXX passport, valid XXXXXXXX XXXX  Drivers license, Social Security card, paystubs and XXXX ( with current Illinois address within their footprint ). Both XXXX XXXX and XXXX XXXX refused to open accounts which I fear was based on race and social economic status as they question how much I would be bringing to the bank, discriminated agaist me. This event occurred on 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 explanation
Consumer complaint received 2023-06-30 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: PA

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

Account Name : 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 has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.

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 2023-06-30 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: PA

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

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.

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 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
ON XX/XX/XXXX MONEY WAS PAID TO ME THRU SQUARE ACCT. 
MONEY WAS SENT TO MY XXXX  ACCT. I FORGOT I HAD CLOSED THAT ACCT AND SO XXXX RETURNED TO SQUARE ON XXXX XXXX TRACING NUMBER XXXX ... THEY TOLD ME MONEY SHOULD BE ATSQUARE ON TUES THE XXXX -- -- IT WAS NOT ... AFTER MANY CALLS AND EMAILS TO THEM THEY SAID IT WAS STILL WITH XXXX  ... REPEATLEY I TOLD THEM I HAD TRACING NUMBER THEY NEEDED -- -THEIR RESPOND WAS THEY NEEDED PERSON I HAD TALKED TO WHICH IS A CUSTOMER SERVICE PERSON WHOM PROVIDED ACH  NUMBER... SQUARE SAID I WOLD HAVE MY MONEY BACK IN 1-3 DAYS -- ITS BEEN FOUR DAYS NOW AND STILL MONEY AND NO RESPOND I DONTUNDERSTAND HOW MONEY CAN BE TRANSFERED IMMEDIATELY AND THEN IT TAKES DAYS TO GET IT BACK.. I FEEL THEY HAVE MILLIONS OF DOLLARS THAT THEY FLOAT DO USE IT FOR THEIR PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
On XX/XX/2023 I submitted for a Loan with Navy Federal Credit union my Loan Processer was XXXX XXXX received my approval letter. I received my pre-approval letter XX/XX/2023. On XX/XX/2023 I ask for an extension because the first approval letter was getting ready to expire and I had found home that my wife and I like and wanted to purchase. It was approve also XX/XX/2023 the problem I am having with the denied loan is that I we set to get a closing day but instead was told it was denied because of a LLC that we have and last year had a lost of {$3000.00}, this information was disclose to them in the beginning before I order my home inspection and appraisal the appraisal and home inspection was accepted by the bank. I have a email from XXXX XXXX another processor ask me to submit a letter proving that LLC is close. Because that what the issue was. We gave authorization for them to pull taxes XX/XX/2023 and also sent by XXXX XXXX there down load app we sent them again XX/XX/2023 again assuring us that everything was good to go. I feel that they plenty of time to work with me about the LLC. I feel that I was

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: PA

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

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was charged an unnecessary fee to cash a regions check at a regions bank. The check was a business check against a regions account and was presented for payment at a regions branch in person. I was told the fee served no other purpose than to incentivize customers to open a new 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 2023-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my dissatisfaction and disappointment with regards to the fraudulent charges made on my account. I have put Citi Bank on notice about the fraud on my account XX/XX/18 which I had held with them. I spoke with them and they confirmed that the account has claims of fraud. 

It has come to my attention that Citi Bank did not properly vet this account before selling it to your XXXX XXXX. As a result, I have been left with fraudulent charges that I did not authorize or make. This is unacceptable and has caused me a great deal of financial stress and XXXX. 

In summary, the FTC rules and guidelines prohibit the sale of fraudulent or deceptive goods and services, including debt. Sellers must provide truthful and accurate information about the products they sell and must not make false or misleading claims about their benefits or effectiveness. 

XXXX card account ending in 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 2023-06-30 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:
I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX also there were XXXX hard inquiries that did not belong to me which includes XXXX XXXX XXXX XXXX XXXX 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 2023-06-30 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THEY CAME BACK SAYING THAT THEY VERIFIED THE ITEMS REPORTED WAS CORRECTLY. AND NO FURTHER INFORMATION WAS GIVEN.HOW ARE THEY VERIFYING THE INFOR IF THEY CAN'T PROVE ANYTHING.

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 2023-06-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THEY CAME BACK SAYING THAT THEY VERIFIED THE ITEMS REPORTED WAS CORRECTLY. AND NO FURTHER INFORMATION WAS GIVEN.HOW ARE THEY VERIFYING THE INFOR IF THEY CAN'T PROVE ANYTHING.

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 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I recently put in to settle a debt that has been on my credit report it said that it was sold to portfolio recovery llc i went on the website and was able to make payment arrangements to pay XXXX a month today was my first payment but i received no receipt from them so i went online to view the account and could not get on i contacted live chat and spoke to XXXX and was told that my account was not eligible to be viewed online but amazingly i was able to sign up to make payment arrangements and then i told him that i would need to receive receipts for these payments something showing that im.making these payments and what the balance is and im being told that i can not receive those either and that due to my states laws i can not receive receipts or statements i have never heard of such nonsense and so they can pretty much take whatever amount for however long cause i would not know what my balance is without a receipt and then being told he would have to speak to a supervisor to possibly receive any form of paperwork about this debt i am very concerned because they have my credit card now and dont want to provide me any information about my bill i really need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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:
2nd ATTEMPT- Accounts XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Are Showing a LATE PAYMENT/CLOSED ( can NOT be both ) on my credit report.. 
The Credit bureaus stated my account was properly investigated but how is that possible the date last active is inaccurate, and date last reported is not accurate. This ground for removal XXXX.SO MANY OF MY RIGHTS HAVE BEEN VIOLATED!!!! 
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 Also the Credit bureaus took more than 30 days to complete my investigation In accordance with the fair credit Reporting act XXXX  Account XXXX  XXXX XXXX has violated my rights. 
15 USC 1666B -states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
15 USC 1681 B - permissible purpose of consumer reports 15 USC 1666 - CORRECTION OF BILLING ERRORS

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 2023-06-30 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: OH

Complaint narrative:
XX/XX/XXXX Dear CFPB, On XX/XX/XXXX I bought my leased XXXX XXXX XXXX and financed it through the XXXX XXXX XXXX XXXX. 

VW XXXX was to send my credit union the title so that a change the lien holder to XXXX XXXX XXXX XXXX could be made. 

On XX/XX/XXXX my credit union received a title from VW XXXX that turned out to be " inactive. '' My Motor Vehicle agency informed me that my credit union needs to be given the current title which is Title No. : XXXX with Control No. : XXXX and VIN : XXXX. 

This title needs to be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have attempted numerous times to contact VW XXXX  by telephone and no one picks up the phone, all I get is eternal hold verbiage. 

My credit union needs the title to this car so that I can have my Motor Vehicle agency record XXXX XXXX as the new lien holder. 

Please help me acquire this title from VW XXXX. 

I will include the contact information that I have on file for VW XXXX. 

VW Credit XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX. 
Compliance Consultant - VW Credit ( XXXX ) XXXX NOTE : I visited the BBB website and discovered that there are hundreds of fellow VW XXXX holders who are experiencing the same lack of cooperation and communication from VW XXXX. 

https : XXXX Kind regards, Pastor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since XX/XX/2023, I have noticed an account on my credit report for the amount of XXXX that I have not requested, on a Synchbank credit card. Make a complaint and the company indicates that everything is correct. I see that they used my name irregularly for this transaction by the bank. I requested the cancellation of the debt in writing in my credit report since it does not belong to me nor have I requested it and as of today, XX/XX/2023, I have not received a response to the cancellation request.

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX sent the Bank of America for a credit of XXXX $ to my credi card. I THAN WANED THE BANK TO send the credit to my money savings account. In stead they sent my money to someone else. They have not fixed this as of today.We want our XXXX $ 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