vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: NV

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 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 ) states : 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 in 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 2023-03-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I am writing to file a complaint against USAA Federal Savings bank for their failure to respond to a dispute I sent to them over 30 days ago. I believe they are in clear violation of the law as per 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.which requires them to report my credit utilization accurately. 

On XX/XX/2022, I submitted a dispute to USAA Federal Savings bank regarding inaccurate reporting of my credit utilization. However, I have yet to receive any response from them regarding my dispute. This is in clear violation of the Fair Credit Reporting Act, which requires lenders to investigate disputes and respond to them within 30 days. 

I have attempted to contact USAA Federal Savings bank multiple times, but have not received any response. I am concerned about the impact this inaccurate reporting could have on my credit score, and I believe it is the responsibility of the bank to rectify the situation in a timely manner. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that USAA Federal Savings bank complies with the law. I also request that USAA Federal Savings bank provide me with a timely response to my dispute, and take corrective measures to accurately report my credit utilization. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part XXXX Docket CFPB XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX with Rushmore Loans opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans. 

The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards. 

The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property. 

The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I work for the XXXX XXXX XXXX XXXX and have my student loans in the PSLF and certify my employment yearly toward loan forgiveness. They received my certification in XX/XX/XXXX twice and still have not applied it and updated my payment count toward my loan forgiveness for the year ending XX/XX/XXXX. I have attached the certification and data showing they show it processed but have not updated my payment count, which should be 60 payments not 48 that I have made!! On top of this I have also been paying on the loans for 26 years on a income based repayment plan, since XXXX, so they should have all already been forgiven anyway as the law states they end after 25 years! As well I also worked for the federal and count government for a total of three years and these payments were never applied to the count either!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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, I the victim of the fraud, am requesting that XXXX XXXX XXXX, according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent 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 2023-03-23 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: TX

Complaint narrative:
I think you're company have violated the FCRA law for not handling my situations properly, I sent you a dispute letter regarding the inaccuracies and errors on my report but its been over a month, and those accounts are still on my report pulling down my scores. I'm filing a complaint not only on CFPB but only with XXXX XXXX this time

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have reached out to the company in regards to a fraudulent activity on my card and I have tried to resolve the matter with the company but the company refused to help me out with the claim. On XX/XX/XXXX I filed a claim with US Bank for unauthorized charges on my checking account. The previous claim number is # XXXX. After refusing to help me out, the company claimed the film from the ATM transactions matches the film in the previous authorized transactions. I have requested to see the film and the company denied. I have submitted a claim with CFPB in regards to this matter and the company still claims the films match. I want to state that first and foremost, the company does not even have the amount right and I have tried to report it properly multiple times but the company seems to be unable to process the claim properly. The amount is not {$1500.00} but it is actually {$1900.00}. There were three {$500.00} dollar transactions and one {$400.00} dollar transaction. Also, the company does not have any image of me therefore they can not claim the transactions were authorized. I would love to put the film side by side with my picture and my picture ID or passport and also with my transactions that I have conducted and compare them side by side. The company refuses to provide a copy of those films and also refuses to properly compare the films with my image.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OZK
State: NC

Complaint narrative:
On Friday, XX/XX/XXXX my personal checking account was restricted ( frozen ). I went to the bank on Monday, XX/XX/XXXX and spoke with the account specialist for an explanation. The specialist stated that my personal account was restricted because I deposited a check made out to my business into my personal account. 

I explained to the specialist that I am " dba '' ( doing business as ) of my business. On XX/XX/XXXX, I emailed the Account Specialist my EIN which was assigned to me by the IRS. 
( " I am the business and the business is me. '' ) I was forced to close my business account prior to this incident because there were unauthorized debits totaling {$11000.00} on XX/XX/XXXX, XXXX, and XXXX of XXXX that were debited resulting in my account to be overdrawn, and also causing checks to be returned. 

The bank is holding my funds unnecessarily which is causing me emotional distress. My son and I were both diagnosed with XXXX during this time and I was not able to pay our co-pay at the doctor 's office. I also have not been able to purchase food and gas, as well as other incidentals. 

I am requesting that my funds are released immediately and an investigation is launched in regards to the unauthorized debits from my business checking in the amount of {$11000.00} that were deducted. I am also seeking compensation for emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I went through Affirm online to get the down payment for a rental coming up in XX/XX/2023. This was a planned trip for my fathers XXXX birthday to California and visit my sister. 
Unfortunately my son had to get an unplanned medical procedure did around XX/XX/2023 therefore the trip had to get canceled. 
I reached out to the vendor XXXX XXXX where I initiated the rental from. XXXX rentals would not refund nor cancel the rental since I was not able to go. XXXX told me via email that they will give me a store credit for future rental.I told them that was not acceptable and I wanted the loan that was through Affirm canceled and this entire situation to get resolved, but XXXX kept telling me that they would not refund my money which is not right or fair since I couldnt go on the trip. I filed several complaints with Affirm with regards to their vendor XXXX XXXX, but Affirm only wanted their money due on the loan and kept calling me during the disputes every single day about a past due payment. I know that this has not been resolved and the vendor and Affirm should have worked this out by canceling the loan contract because I never did take the rental. I received a phone call from XXXX a weeks prior wanting to confirm my reservation. I told them I am not going and this shouldve been canceled by the vendor. However it has not been canceled nor any money returned back to Affirm, so they can close out the loan. XXXX XXXX is refusing to give me my money back and Affirm thinks I still owe them a loan which is not right. I have gone on for several months trying to get both Affirm And XXXX XXXX to see that I do not deserve to have my credit ruined or owe money on the loan. Per Affirm they will cancel the loan if XXXX XXXX would send them the cancellation but XXXX will not do it. I canceled the reservation over the phone with XXXX. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
I have disputed this account with XXXX, XXXX, and XXXX respectively and each time the credit bureaus state that the information was verified by the credit grantor. However, there are a number of sections that are inaccurate/incomplete on my credit report. I sent a dispute letter to Mariner Finance along with copies of Mariner Finance tradeline from my XXXX, XXXX, and XXXX credit reports on XX/XX/XXXX. In the dispute letters I requested that Mariner Finance correct the errors as well as, provide the data that was missing. I received a blanket response from Mariner Finance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept EducationXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 6 um 602 right states that have the right of privacy.

15 U.S. C1681 section 604 section state a consumer reporting agency can not furnishe. The account without migrant instructions.

15 U.S.D 1681 C85 Section states consumer reports containing any of the following items of information other then records of probation, or crimes wich anti_ date the report by more than 7 years.

15 U.S.D 1681 S2 A1 a person may not furnish any information related to consumer reporting agency if the know or has reasonable cost to believe that the information isn't accurate right here.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My CaptialOne Savor one credit card has not yet been reported to any credit bureau 's the card was opened/activated in XX/XX/XXXX made a big purchase and paid it off in full on XX/XX/XXXX - WASNT REPORTED again in XXXX made a purchase - STILL NOT REPORTED not even when the account was activated it was not reported this is impacting my score and I would like this to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: DE

Complaint narrative:
XXXX XXXX placed a collection account on my credit report that does not belong to me and was not verified. I have never entered into a contract with XXXX XXXX or any affiliated parties. XXXX XXXX number is XXXX. I requested validation of this debt by requesting the original contract and XXXX XXXX sent me a document that was a proposed treatment plan from a 3rd party that clearly states " This is not a contract to buy ''. I have made XXXX XXXX aware that they did not provide the requested information and demand this collection account be removed at once. The proposed treatment plan is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. 
By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section its noted the account has been disputed but reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NC

Complaint narrative:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I use XXXX XXXX to monitor my credit and on XX/XX/23 i received an alert about a new account that is not mine, and that I did not open. The company is Comenity Capital/Ikea XXXX They opened in XX/XX/23 and have charged {$8100.00} on it. I filed a dispute with XXXX and after disputing with you will also file a dispute with XXXX and XXXX. I'm not sure what other information you need so please let me know. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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