vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
So much XXXX and stress is what I felt when I saw my credit report upon pulling it. I was hoping to purchase a home, but I can see a lot of suspicious accounts on it and inquiries that I didn't recognize and I never authorized. I filed a police report and listed all the fraudulent accounts and inquiries on it. Kindly see the attached documents.

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 2023-03-31 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: MI

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-03-31 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: LA

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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-31 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: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/2022, I tried to order a XXXX XXXX XXXX ( {$1100.00} ) on XXXX. My Citi Visa flagged the purchase as a fraudulent purchase, and declined the transaction. I called Citi Visa and had them remove the flag, and Citi Visa then ran the transaction. Meanwhile, the XXXX order had timed out and XXXX had automatically cancelled the order - but the Citi Visa transaction did NOT cancel, which I did not know until I received my statement in XXXX. 

On XX/XX/2022, I contacted XXXX XXXX XXXX and they confirmed they did not receive the payment and only had a cancelled order. So, I submitted a new purchase for the same product ( {$1000.00} ) on XX/XX/2022. 

In late XX/XX/2022, my bill reflected two transactions to XXXX XXXX XXXX. I contacted Citi Visa and requested a refund for the original order of {$1100.00}, which had been cancelled. They issued me a credit, and stated they would investigate the issue. They stated they would let us know if additional information was needed. 

On XX/XX/2022, Citi Visa provided a form for me to fill out, which we submitted with supporting documentation on XX/XX/2022. On XX/XX/2022, Citi Visa denied the dispute ( XXXX ), claiming that there was not enough information in my dispute, and they closed my dispute and rebilled my account with fees and interest charges. This notification only appeared in my on-line account, so I was unaware the dispute had been closed until I noticed the charges reappear in late XXXX when I received the XXXX statement. 

We immediately contacted Citi Visa, and we were told that the Citi Visa fraud department would have to reopen the dispute. We also explained that we do not have additional information, and that the issue was caused by Citi and must be resolved by Citi. We have now been through a series of dead ends trying to get someone in the Citi Visa fraud department to look at the case, Citi Visa now claims that 180 days has expired so they can't look at this case.

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 2023-03-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in XXXX I reached out to Equifax to update my credit report and remove incorrect Information on my report, Equifax failed to respond and remove the following incorrect addresses ; 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 XXXX XXXX XXXXXXXX I also request for my DOB to be corrected from my report as Equifax shows XX/XX/XXXX the year XXXX is incorrect. 

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 2023-03-31 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my free report and all information related in this matter. 

The fraudulent accounts are as follow : 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 non-monetary relief
Consumer complaint received 2023-03-31 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my free report and all information related in this matter. 

The fraudulent accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

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 account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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: GA

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 account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-03-31 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
i rescinded all contracts signed under my name with navy federals institution in the year 2022. Pursant to federal and state laws. i excercised my right to rescind these contracts due to the fact that proper notice of my right to rescind the contracts due to the fact that proper notice of my right to rescind was never sent to me, as required by the Truth in Lending Act ( TILA ), Regulation Z, and state laws governing consumer protection. My right to rescind was failed. the securities transactions are voidable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NC

Complaint narrative:
XXXX received an email from XXXX XXXX that I was 60 days late on payment. I paid this card off in XX/XX/2022, had not activated the new card so I was confused. I called the company and they stated it was annual monthly fees. I had no idea they charged this monthly so it was reported to the credit bureau past 30 days and it dropped my score XXXX points!! I have worked hard to build my score so I contacted them about removing this from my report as I have never been late before and was unaware of this monthly fee on XXXX and XXXX they stated they would contact the bureau but this is still on the report and my score has not been restored. Please help.

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 2023-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I have a complaint to file against Capital One Bank.Back in XX/XX/XXXX I was approved for XXXX XXXX XXXX XXXX XXXX ( XXXX  ) in the amount of {$140000.00} to help support my small business.The money was disbursed through my Capital Business Account, for reasons known just to Capital One my bank account was closed.I was told the funds would be sent back to XXXX, I called XXXX to inform them of this and tried providing them with my XXXXXXXX XXXX  account hoping they would send the funds over to Chase immediately they get the refund from capital.I gave up after calling XXXX severally and learning they had not received the funds yet. 
Fast forward to XX/XX/XXXX, I surprisingly received a mail from XXXX stating my payments are due.The terms of this loan were as follows : -It was interest free for 30 months after it was approved -Payments ( interest included ) were to be made 30 months after the loan was approved This explains why I got contacted through mail by XXXX.This was when I understood that Capital One never returned the loan to XXXX.At this point my payments are due, if I dont make these payments it will go against my credit, its sad because I have to make payments for a loan I did NOT RECEIVE. 
I have called XXXX countlessly, they are still saying they did not get any refund whatsoever from Capital One I have been calling Capital One, I was told they are working on the case and they cant provide me a cut off time to when this case will be resolved ( sadly I have to keep making payments to XXXX at capital one takes it swee time ) I finally got hold of a Capital agent yesterday who sent me statements from XX/XX/XXXX which shows the funds were withdrawn, doesnt show the method how it was withdrawn and doesnt show who it went to but this agent claims it was withdrawn and sent to XXXXI will provide supporting documentations. 
At this point I am super stressed and confused because I honestly dont know what happened to these funds, I have to make monthly payments for a loan I never took.If this can be thoroughly looked into I will deeply appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NJ

Complaint narrative:
A fraudulent account was opened in my name on XX/XX/2023 with Bank of America. I called and promptly had the account closed and it happened again on XX/XX/2023. 

I already had freezes in place will all of the credit bureaus and after the first account was fraudulently opened I placed an additional alert. 

Bank of America 's does not have safeguards in place and does not require even an email verification to open a checking account and they stated that it may take " around 30 days '' to fix any safeguards in their system regarding my information. They have no solutions for me to prevent additional accounts from being opened in my name. 

They closed the accounts and gave me reference numbers for the incidents 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 2023-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
This is a portion of a letter written by order of the Vermont Superior Court during the telephone conference on XX/XX/XXXX. All evidence and documentation held by the Vermont Superior Court. 


In XXXX, one year after I was laid off and unable to find work, we applied for numerous programs through the Making Home Affordable program. We were required to work with the lender ( Wells Fargo ), providing applications and much paperwork and background information. Over the course of many months our paperwork was lost several times ( according to telephone conversations with representatives at Wells Fargo ), requiring new documentation be generated by us ( because according to them it was now out of date being some weeks later and we would have to start over ). It is important that it be known that we had never been late on, or missed a full payment at this time. This went on for some time until they began cashing our payment checks but not applying them to our account. We began receiving letters and phone calls from Wells Fargo demanding payment ( even though we had paid, on time ) and threatening credit reporting and eventual foreclosure ( again, we had never been late on, or missed, a full payment ). After much effort I was able to talk to someone who understood what was going on. She said our payments were placed in a special escrow account for people like us until the application process through the Making Home Affordable program was complete. 

I asked how I could avoid a negative credit rating and was told that they would apply our payments if we stopped applying for aid through Making Home Affordable. I had no choice but to agree to stop the application, and they applied our payments to our account. 

End of Letter We eventually did refinance independently of Wells Fargo but were forced to abandon the house because of work. Our complaint is that Wells Fargo has excluded us from the Court Order requiring them to make amends with consumers whom suffered from their business practices.

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 2023-03-31 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: SC

Complaint narrative:
On XX/XX/2023 I disputed the account number XXXXXXXX XXXX XXXX XXXX. This account is reporting inaccurate information and it has had a negative impact on my credit. I have not received any validation of this debt whatsoever. All other bureaus have deleted the inaccurate information and updated my report. However TransUnion has not.

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