vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: CT

Complaint narrative:
On XX/XX/XXXX, I attempted to open an account with Vio Bank at www.viobank.com. I received a notice that my account was opened successfully and that two trial deposit amounts would be put into my existing bank account and I needed to confirm the amounts of the small deposits. Nothing was ever deposited into my existing bank account. I contacted Vio Bank customer service on XX/XX/XXXX and was told that my existing bank refused the deposits and that I needed to open a new account at viobank to try again. Customer service said they could not open an account over the phone. I then submitted a second account request and received a notice of adverse action. My husband and I contacted customer service for VioBank again via phone and was told they can not tell me why my second application was denied. They said it was not credit based, but likely something in my application did not match their databases. I do not understand what did not match in XXXX that matched in XXXX. How can I possibly address this without any further information why I'm being denied? This isn't a credit application, this is for me to be able to deposit my money in their bank. This is nonsensical to be denied access to open a deposit account without any explanation or clarity. This process is denying access to the XXXX and anyone who is not clairvoyant.

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 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: NC

Complaint narrative:
We had the loan set up on bill pay through our credit union. Several years ago we got a notification of repossession and we were shocked because we had set it up so we didnt have to worry with it. At the time they did a poor job explaining what had to be done other than pay {$1100.00} to avoid it being repoed. We paid it and followed up with our bank who showed the payments going to them. For a period of time it was sent by check and the last few years have been sent electronically. We recently sold the camper and paid all but {$1000.00} of the loan and come to find out theres {$3000.00} due to pay it off which includes $ XXXX in late fees. Weve tried to work with the bank to remove these as thats so excessive. The bank has had other class action litigation due to fees and they refuse to work with us and now that we have mentioned exposing this they wont talk to us. We have the funds to pay the loan off but {$1900.00} in late fees is extremely excessive. The payment was due XXXX XXXX, 2024 in the amount of {$220.00}. We paid {$5000.00} the posted XXXX/2024 and on XXXX/2024 they applied another {$25.00} late fee. Its all sketchy and we feel like weve been taken advantage of as weve made every effort to pay this loan and we feel like theyve applied these fees illegally.

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 2024-01-23 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation.

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 2024-01-23 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXXXXXX XXXX  to be sold and the funds to be transferred to my personal fidelity account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error.

18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXX investment to be sold and the funds to be transferred to my personal fidelity account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error.

18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau . They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXX XXXX  to be sold and the funds to be transferred to my personal XXXX  account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 
18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc. 
18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I used Citi to do a balance transfer to XXXX XXXX for {$5000.00} back in XXXX of 2023. Citi said they send them a check for {$5000.00} but XXXX XXXX said they never received it. Citi has sent me a copy of a check which I have sent to XXXX XXXX. I have given both companies permission to to speak to each other and both say the other is at fault. This has been 10 months now with no resolve. Now both companies say I own them {$5000.00}. Citi still charges me a minimum payment. I don't see how in this day and age one of these companies can't figure what happened. Now a {$5000.00} debt turns in to a {$10000.00} debt because both are saying I owe them {$5000.00}. It is a nightmare. 
Any help would be greatly appreciated

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 2024-01-23 00:00:00
Product: Credit reporting 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:
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.

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 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 2024-01-23 00:00:00
Product: Credit reporting 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: 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 : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have written XXXX several times to remove this late payment off my account Account # XXXX XXXX  XXXX  Account # XXXX Late Payment XXXX Hard Inquiry ( TransUnion  ) XXXX XXXX XXXX XXXX Account # XXXX {$5200.00} Old Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Hard Inquiry 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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distress. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. I have attached supporting documentation proving the fraudulent nature of these accounts.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX 2024 the XXXX XXXX was called to find out when the paid in full account would reflect on my credit and they said it would but didnt give a time frame. 

It still shows that i owe money and it is a negitive effect on my credit. 

XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX 2024 the XXXX XXXX was called to find out when the paid in full account would reflect on my credit and they said it would but didnt give a time frame. 

It still shows that i owe money and it is a negitive effect on my credit. 

XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate address that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NJ 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 2024-01-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint about an unauthorized transaction My name is XXXX XXXX and I hold a business account named XXXX XXXX XXXX XXXX in CHASE bank ; it is a restaurant business account. 
I am writing this to bring to your concern that transactions by Logoconcave.com were unauthorized. Logoconcave.com have scammed me, I only authorized them to charge {$2000.00} to build my restaurants website, unfortunately they hacked and connected my website to adult sites that caused a lot of trouble and ruined my restaurants reputation! They also hacked my personal email, they disappeared after that. I had to shut down the restaurants website and pay a lot to build a new one. I reported the case to the police department located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. The case number is XXXX and XXXX XXXX XXXX is taking care of this issue. I previously disputed the charges but logoconcave.com provided fake documents to CHASE that I authorized them to take {$26000.00} from the restaurants account, which I didnt. I had to change my credit card and get a new one. 
By a written request I asked CHASE bank to dispute all payments from my bank account to Logoconcave.com, but since XX/XX/2023 over XXXX times I have gone to the bank or called their customer service but no one takes this problem seriously. 
The CHASE case number is XXXX XXXX the dispute department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX, XXXX and Experian fail for provide factual documents about these accounts 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 Experian -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. the credit bureaus XXXX, Experian and 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Over the span of several years, I have consistently contested inaccuracies on my credit report. Despite my requests for detailed information from Experian, I have yet to receive the specific information I seek. Each time I inquire about the individuals they communicated with, including names and badge numbers, I am met with a lack of transparency, receiving only a generic verification response. 

This recurring pattern of insufficient disclosure raises concerns about a potential violation of my rights. I firmly believe that the absence of detailed information hinders my ability to address and rectify inaccuracies in my credit report. Given the continuous infringement on my rights by this company, I contend that all disputed entries should be expunged from my credit 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