vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. 

Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my XXXX XXXX with XXXX children to provide for and I'm still being punished for mistakes I made in my early XXXX XXXX. I have paid for many accounts to be deleted. 

I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of date 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. Thank you kindly for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023 an international wire transfer amount of {$3300.00} plus a {$25.00} was taken by Navy Federal Credit Union. They said there was a problem with the recipients address. Keep in mind this is the third time I am sending a wire to the same recipient. I was told the wire could not be sent because of the address. I askes to cancel the transaction and have the money refunded to my account. I was told three business days. I allowed 7 business days. The funds were still not returned. I call Navy Federal they told me they can't do anything, Its up to XXXX XXXX to return the money if the feel like returning it. So they tell me I might not get my money back with no explanation of why the money is being hijacked or just taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 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: FL

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 2023-06-02 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: VA

Complaint narrative:
I Have disputed XXXX XXXX XXXX XXXX XXXX  with not favorable out come. 
I am wanting to buy a home and I am unable to do so because of the the damages on my credit report according to 15 U.S.C 1681 section 602 A. Clearly states that 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. 



This is a defamation to my name.

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 2023-06-02 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: VA

Complaint narrative:
I Have disputed XXXX XXXX XXXX XXXX XXXX  with not favorable out come. 
I am wanting to buy a home and I am unable to do so because of the the damages on my credit report according to 15 U.S.C 1681 section 602 A. Clearly states that 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.

This is a defamation to my name.

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 2023-06-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The unverified items listed remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2023-06-02 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EQUIFAX , INC . I'm looking for an fair and equitable solution to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: OH

Complaint narrative:
There was a direct deposit for my payroll sent to Spruce Money on XXXX. I have the transaction number, however, its now been three days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been attempting to close my account with US bank for over three weeks. They keep telling me they have placed a hard hold on my account, but then continue to post transactions. I then make covering deposits, and again ask to finally close my account. The complete failure of the bank to simply close my account is hugely problematic. I continue to monitor the account and act in good faith, but they continue to fail to close it.

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 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Received loan from One Main Financial on XX/XX/XXXX for air/heating system replacement. Paid off loan before end of 60 month contract on/about XX/XX/XXXX. Read of deceptive practices finding of company. Reviewed paperwork to discover that life insurance was charged with loan ... no company listed. Made approximately 10 payments before paying off early. Was not refunded for interest or insurance that was not advised of or explained. Was just given a payoff amount to submit. Did not want negatively affecting my credit so submitted as required. Requesting what is due to me ; insurance, interest, credit for payments made and all other charges that should have not been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: WV

Complaint narrative:
On XX/XX/XXXX th we were wanting a estimate for a furnace since we were having problems with ours nickle and diming us to death.. Plus the fact it was almost 30 years old..Had a company come out to our home diagnose the problem. Said it would cost between XXXX XXXX dollars to fix when my wife found the same piece for XXXX at XXXX. Said they couldnt do it that way that we had to go thru them. Anyways my husband asked for a estimate on a new furnace and the guy said he had a guy he works with that could help me A hour later this guy shows up asks my husband if he could measure furnace, and comes sits at our table with laptop. Asks my husband 4 questions. NamebirthdateSocial and when he got to social my husband says listen buddie. Im old school. I need paper work In Front of me.. and asked for address.. The salesman says that he sent the link for paperwork while telling my husband he needed his signature on a black computer screen and again my husband said youre going to fast for me. SLOW DOWN. asked why the signatures and he said just chicken scratch right here one for credit check and again my husband said I dont need a credit check I have good credit and the salesman said he needed to check it to get us the best possible price he could and the other signature was us allowing him in the home to do it He never sent the link and we told him that. My wife asked him to resend it and we told him we had a printer and we would print it and make a decision at a later date. He immediatley got up. Said he had another meeting and would send us link when he got back to his office.. Never happened. What he did do was open a LOAN IN MY HUSBANDS NAME WITH THE INFORMATION HE GOT FROM HIM WITH A COMPANY CALLED XXXX NEVER AUTHORIZED THIS LOAN AT ALL AND HE OPENED IT FOR 10 years and 127 payments which means XXXX XXXX $ in interest. My husband started getting emails from a company named green sky, which we have never heard of in our life didnt answer them or open them because he thought it was spam after the fourth day he decided to open it because it was kind of a nasty email and thats when he found out that he had a loan open in his name without his authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a new XXXX  XXXX  XXXX nineteen years ago. Recently I was involved in an accident and I need the title and a lien release for a loan that was paid in it's total almost two decades ago for insurance purposes. However, when I tried to navigate the Toyota Motor Credit Corp web site and telephone call in number it did not recognized my Social Security number and zip code. There is no other option to contact them that I can find. I need to have Toyota Motor Credit Corporation to provide a lien release and title as soon as possible. 

Vin # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have had, for 30 years, a Citi Business MasterCard. In my XXXX statement here was a charge of {$59.00} for XXXX. I checked and two previous charges were sent through, one for {$1.00} and another {$59.00} No phone number was attached to the charge. It was a scam, I have my card, and never have done business with XXXX and have not had my identity stolen. 

I am XXXX  and the stress Citi caused was dreadful. They closed my card, and 10 days later I received a new card. But everything was lost on-line. Now, I cant reconcile my old card nor the miles I lost in the process. But an addition was added to my account agreement that allows Citi to act however they choose in the event of a dispute. They are now denying the dispute,. 

Are card holders at the mercy of this bank? Thank goodness, XXXX came to my rescue with a new XXXX XXXX Go Paperless is wrong because it fails.

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 2023-06-02 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. EQUIFAX, XXXX, and XXXX have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( Equifax, XXXX, XXXX ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian credit score email notifying that XXXX XXXX XXXX card  XXXX XXXX ending in XXXX has reported credit card over limit when the repeated false/fraudulent charges from XXXX for {$15.00} are in dispute. Cardholder never made any such transactions for {$15.00} that would exceed card limit. Neither XXXX  XXXX card nor Experian credit reporting agency provide any manner of correctiong the problem, no pioint of contact, no customer service will respond to or remedy the matter. Only option provided is a chat bot with repetitive standardized answers that do not help. False disputed charges were reversed. Card is not over limit.

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 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: MA

Complaint narrative:
Hello During XXXX, I obtained a money order in the amount of {$500.00}, there was not a fee to obtain the money order. I subsequently lost the receipt that comes with the money order and inadvertently made the order out to the wrong person. I tried to correct that error by drawing a line through the payee portion and write in the correct payee. I was told that because of this, the order was not any good. I then tried to return the order for a new one or get my money back. I was told that because I did not have the receipt I could not get my money back. I still have the money order in my possession and would just like to get my money back minus the stop payment fee or get a new order in the same amount. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.

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