vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ALLY XXXX I XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: FL

Complaint narrative:
I contacted Discover Bank on XX/XX/2022 to close my existing XXXX and transfer funds to a new, higher-yield XXXX. The agent said I had to transfer funds to a savings account, and then open a new CD and transfer into that. He helped me set up the savings account and closed the existing CD, with a balance of {$93000.00}. 

A few days later, the funds were still not showing in the savings account, so I called the bank again. The new agent said that I had been misinformed ; IRA funds could not be transferred into a savings account. She helped me set up a new XXXX account that could receive the funds. That account was active as of XX/XX/2022. No funds have been transferred to that account two weeks later, despite multiple phone calls and assurances that the transfer was imminent ( " within one to two business days '' ). Each time I spoke with a different account XXXX : XXXX in Utah, XXXX in Ohio, XXXX a few days ago, then XXXX yesterday and XXXX in Washington XXXX today. All are very kind and apologetic, promising to connect me with a supervisor who can address the matter, only to find that no supervisor is available after somewhat lengthy times spent on hold ( had to hang up after a 45-minute wait one time ). 

It has now been two weeks of empty promises. Yesterday and today I was promised a return call from a supervisor within 24 hours, but yesterday 's 24 hours has elapsed without a call, and I'm not confident that I'll hear from anyone by this time tomorrow. 

I don't know what else I can do to get the funds moved into my account. How can a bank just close an IRA account without having a plan for transferring the funds to another appropriate account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have ordered hundreds and hundreds of gift cards online via XXXX on behalf of my son 's school for teacher gifts ( for our school 's parents ' association- we get donations and we purchase cards to give out as holiday gifts, end of the year gifts and raffle gifts ). Recently- we had 3 {$100.00} gift cards come back to us with fraudelent charges. They were never lost or stolen. The charges were mostly paypal charges. It's clear that XXXX was hacked and these specific cards were compromised. I purchase all of my gift cards online. When I called to get replacement cards, I was told by XXXX on XX/XX/2023 that I have to contact the vendors ( i.e. XXXX ). However, we know that will go no where and I believe that XXXX is at faulty for not having proper security. I have been on the phone now for XXXX XXXX hours on hold as no one will address my concerns. Amex needs to stand behind their product. If our cards were compromised because of Amex 's poor cyber security, I should not have to pay for it. 

Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called on Wednesday, XX/XX/XXXX, XXXX 's customer service line and bounced from agent to agent I was told that they will not replace the card and instead I need to get reimbursed by the vendor. The vendor in this case were several vendors, mostly payday in small increments probably to hide the fraud and make it difficult to track. That to me is an unacceptable resolution. I will not make 30 phone calls to try to get {$10.00} back at a time. I then escalated it to a XXXX, but she also would not replace the cards. When I asked her to transfer me to her XXXX, I waited on the phone for HOURS. When the XXXX was " ready '' and my phone call was transferred, it only sent me back to the main switchboard. I was on the phone for XXXX hours in total waiting to speak to another XXXX. 

This should not be my problem, I should not have to hunt down these charges. Amex should stand behind their product and send me XXXX new {$100.00} gift cards as it was their poor cyber security which compromised my cards. 


Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
FORD XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/2023 They ran credit for an auto loan, I didnt request a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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.

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 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 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: PA

Complaint narrative:
On XX/XX/XXXX I sent Experian a letter disputing XXXX fraudulent items on my credit report. Records show that they received this letter through certified mail on XX/XX/XXXX. Experian then started an investigation for these items, but as we stand today, XX/XX/XXXX of the year 2023, all of these fraudulent items are STILL on my consumer report. 

They claim to have verified the information and have kept this fraud on my report, causing me considerable harm. Because my credit report shows these items, I have been denied necessary funding for my brother 's education, which I pay for. I was not able to get any student loans for his school year. I have not been able to do much of anything financially because of all of this fraud on my report. This has been seriously detrimental to my life, including causing me health complications. Experian refuses to remove these items and literally claim that I have no authority over my consumer report, which is incorrect per 15 USC 1681b ( a ) ( 2 ).

Per federal law, written by U.S. Congress, the word Verification is defined as : A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called an affidavit of verification. 

I have asked Experian for this and they refuse to provide it. They claim that they have their own verification methods, which is against the FCRA. I need all of the items in my aforementioned letter REMOVED and NEVER put back onto my report. 

I am in contact with the debt collectors who claim I owe them money. Claims that I owe money are between me and the debt collector who is making the claim. Experian should not be separately reporting random information when I am telling them that it is incorrect and they are not legally verifying the information. Experian is fraudulently claiming that I owe money to companies that I do not owe money to, and parading to my prospective business partners the fact that my accounts are in bad standing, which is a lie. I have never had an account in bad standing for as long as I have lived. 

Experian has claimed to me on the phone that they did receive this letter and that they have a copy of it. I need Experian to remove everything that I outlined in the letter immediately, or I will be taking legal action.

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 2023-01-11 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: MD

Complaint narrative:
I sent in disputes along with the police report and XXXX, XXXX, & EQUIFAX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OPORTUN FINANCIAL CORPORATION
State: OH

Complaint narrative:
Oportun/XXXX  is not helping me. A credit card was fraudulently opened in my name and I now discovered my step fathers phone number was used. Opportun has not called me like they keep saying they will. They havent emailed me. I havent received their Identity theft/fraud packet in the mail like they told me so I can mail my police report and my step dads since we both had our identity exposed ( my name, his phone number ). Oportun said no one called from my step dads number to say the account was fraud. Well thats because we didnt open the account and had no idea it existed. We never received any calls from opportun or mail from them. I found out about the account in XXXX by viewing my credit report and I reached out immediately about identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has failed to respond to my initial dispute in a timely manner. it has been more than XXXX days from my initial dispute and I have yet to receive any response. Transunion is in direct violation of the FCRA on multiple accounts including but not limited to sharing my non public personal information, furnishing a report without my consent or written authorization, Furnishing inquiries on my report that are not tied to any open extensions of credit or authorization from myself and assuring the XXXX possible accuracy of the information pertaining to me and my consumer report. Transunion is in direct violation of the FCRA section 604A ( 3 ) ( a ), 15 USC 1681 ( B ) ,15 USC 1681e ( B ), 15 USC 1681B ( a ) ( 1 ) ( 2 ) ( 3 ) -a, and 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ).

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 2023-01-11 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: IL

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 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 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 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 explanation
Consumer complaint received 2023-01-11 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: PA

Complaint narrative:
XXXX XXXX has re aged an account they are reporting on my credit... .i have tried to challenge the 100 % accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: PA

Complaint narrative:
XXXX place has re aged an account they are reporting on my credit... .i have tried to challenge the 100 % accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter

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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: VT

Complaint narrative:
I sent a letter to Smith Rouchon & Associates on XX/XX/22 to verify debt on my credit report. They have not responded but they did respond to the bureaus verifying a debt. I would like to know what debt they are verifying but they will not respond to me. I never received anything that I had a debt with this company. I was told by my lender when disputing that this process will take some time, so I'm prepared to keep fighting for corrections on my report and keeping a XXXX XXXX of all letters that have been sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not consent to these inquires.I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. All is being investigated by the FTC

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts are incorrect, and adversely affecting my livelihood. XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/2023 They ran credit for an auto loan, I didnt request a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
In XXXX of XXXX, I was approved for a loan mod with my servicer at the time, XXXX XXXX, and had to complete a 3 month XXXX, XXXX. I completed the trial plan on time. My loan had a mod start date of XX/XX/XXXX, however, my loan transferred servicers to Rushmore loan on XX/XX/XXXX. I did not receive my final loan documents from XXXX XXXX. I called my new servicer, Rushmore loan in XX/XX/XXXX to discuss that I have not received my final loan documents yet. They stated there is a delay due to the transfer of my loan and the documents will be sent out shortly. In XX/XX/XXXX, I called Rushmore and spoke with a rep that I have not received my loan documents still. The rep advised me that they are working on them. On XX/XX/XXXX, I received an email from Rushmore to view loan mod documents via a online site. I reviewed the documents, however the loan terms were not correct. I called Rushmore, escalated my call to supervisor, once I got in contact with a supervisor, I explained that the terms on the documents were incorrect. They advised me that they would review and get back to me. After a few weeks passed, I had not heard back regarding the matter. I called Rushmore in XXXX of XXXX, had my call escalated to a supervisor, and once I got in contact with a supervisor, I explained my situation with my loan mod. The supervisor stated that they would look into the matter and make any corrections if needed and requested I send rushmore my XXXX  letter. I did not hear back from Rushmore until XX/XX/XXXX, where I spoke to a rep. The rep stated that new documents had been created on XX/XX/XXXX, and the terms had been corrected. However, I stated that I was not aware of these new documents, I was not advised that new documents had been created, and that I did not receive any new documents. The rep advised they would mail me a set of the new documents. I received the corrected loan mod documents. I then called Rushmore to discuss the documents that I received, I spoke with a rep who advised me the loan had been denied and review closed. I never received a denial letter regarding this decision, and I was not given the proper time to review and return the documents before Rushmore improperly denied me. The documents were created on XX/XX/XXXX, never advised me of these documents, got sent to me more than 30 days later, and once received, I was denied my loan mod because I didn't return the documents back in time.The servicer was six months late with generating the correct documents to sign. I never received the documents in time and was denied because of this.

Company response to consumer: Closed with explanation