vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand 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
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I paid off my XXXX card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX this bank pulled my credit bureau report without my authorization and as a result now have a hard inquiry. I dont have an account with this company, nor have I ever applied for one. I need all inquiries by this company immediately removed.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
unathorized use of my credit report by the companies listed below:

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XXXX XXXX I was a victim of identity theft, an account was opened with Acima Digital XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( Akima ) is noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MD

Complaint narrative:
XX/XX/22 I reached out to Equifax to investigate the inaccuracies reporting on my consumer report. 
Equifax verified the account information although I have proof that they are wrongly reporting. 

I know you have many cases so they may have overlooked things but please remove XXXX XXXX # XXXX for the following inaccuracies Date of last activity Date reported Date opened and everything else highlighted in my attached picture

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
Between XXXX and early part of XX/XX/2022, i noticed that my debit card had multiple unauthorized charges that summed up to {$2400.00}. I immediately called my bank XXXXBNY Mellon and reported the issue. My old debit was closed and a new one issued. I was told an investigation will take place and i should get the unauthorized funds returned to my account. However, i was shocked when i checked my mail around XX/XX/2022 and received a letter from Card Services at my bank notifying me they closed the investigation because they had called me once and were unable to get hold of me ( yes one time ). I was told to call the number on the letter ( XXXX x XXXX ) if i had any issues regarding the letter. I have called that number atleast 40 times in the last month and left messages and no one ever returns my calls. I then called card services at my bank to notify them of the situation and i was told to write an appeal and fax it to XXXX. I wrote an appeals letter and faxed it 9 times on different occasions and never heard back from my bank. I then called card services to notify them that it's been 2 months since i filed a dispute and they have been ignoring me. I have spoken to several managers at the call center and they keep ignoring my plea and appeal. The only response they give me is for me to wait and some one will call me one day. It has BEEN OVER 2 months and i feel robbed by my bank. I need my money refunded with interest immediately. By the way i have a fidelity investments trading account and XXXX/BNY Mellon is the bank managing the checking account. WORST BANK EXPERIENCE EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: 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 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiries have violated my rights.

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

15 U.S.C. 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. 1681 ( 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 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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I have 2 current credit cards with Genesis FS card services. I received a pre-qualification notice for a new card with them ( Indigo Mastercard ). I followed the necessary application process. Once I was finished I received an email stating that I needed to submit additional documentation, i.e. a photo ID and SS card. I did so and also included my current bank statement so that they could see my current address. I did acknowledge that my ID had my old address so that bank statement could serve as proof of current address. I faxed this documentation twice. I then reached out to see where my app was and was told that my fax was not readable. I then mailed the docs ( 2 day priority with tracking ), and upon following up was told that the ID address not matching my application address would not work, and my bank statement showing current address was not sufficient. I then emailed XXXX FS and a lady name XXXX reached out. I explained that I had updated my ID to show the correct address to match the application. She researched and confirmed that if I mailed a copy of my new temp ID with the correct address then my application could be completed. I overnighted the copy of the ID, and gave XXXX the tracking number showing they had received it. That was received in early XXXX, nearly a month into this process. Since then they can not locate my copy of ID that I overnighted and delivery was confirmed on. Therefore they have not completed my application. XXXX has no answers and she has acknowledged they have no idea why they can not locate the mailed copy of my ID, and where my personal info is being stored after they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account does not belong to me. It was open fraudulently and is damaging to my account. I have previously contacted Transunion regarding the inaccurate, offending collection account on my credit report. This debt was not properly validated because if that was so, it would not be reporting on my credit profile. As such, I am asking that Transunion adhere to the law and remove this information from my credit report immediately. Failure to do so is a direct violation of the FCRA & FDCPA laws.

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 2022-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a text from BofA asking if I sent XXXX XXXX {$3400.00}. I immediately replied " NO '' and I received a call from BofA. I was at work, so I really didn't think twice. They acted just like a rep, and they asked me for my social, username and password. I did as they asked bc I really did believe they were a rep. They assured me they were freezing my account and the funds will be returned and they will call me the next day. The next day came, and they called me again, they needed to get my information again in order to finish the process and that is when I noticed another {$3400.00} withdrawn after the call was over. I called back the number they called me on, and the number directed me to BofA and it was a legit rep. The rep did not see any calls or notes made with me and they said I was scammed. I have been following up with Bank of America as much as I possibly can. They take no less than 1 hour and half to answer everytime. On XX/XX/22 I received a letter saying they will not approve my claim. I called them waited almost 3 hours and they said they are still waiting on " XXXX XXXX  '' to see if they can reverse the unauthorized XXXX transaction. The rep said Bank of America will not be able to give me my money unless XXXX XXXX returns it and that may not happen. Before this incident I was not aware of this type of scam it was after I started receiving emails of " scam preventions. '' The scammer got access to my banking, went in and made two XXXX transactions totaling {$6900.00}. The recipient used my last contact 's phone number to make the account connect to XXXX, using XXXX XXXX  so it looks like I made the transaction to him, I DIDNT! The name on the account shows XXXX XXXX. I called XXXX XXXX to see how is this possible and they did assure me if someone has an ID, Social, ect they can create an account online. I do not understand how banks can't insure someone's hard earned money! I work overtime and save just so someone can come through and steal that from me. There is no way I can lose {$6900.00} just like that... 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I have made payments to Money Key and they debited my account for two, one I paid. They made a payment arrangement for this month to pay on XX/XX/22 through one of the employees in collections. They are now stating that I owe more money than the payment to be paid on XX/XX/22 This has occurred each time I make a payment. They called me 3 times today and emailed me 3 times. The last phone call I made to verify and the Person started yelling at me that the payment was not enough I owed for other payments. I have an agreement in writing for the payments that have been made. 
They have other complaints online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened up a XXXX XXXX account with the following promotion : Open a XXXX XXXX XXXX account and XXXX  account, get {$50.00} once you deposit {$25.00} or more within 7 days. I opened the accounts on XX/XX/2022, funded {$25.00} on the same day. 

Also in the terms and condition : " The cash award will be deposited directly to the XXXX XXXX XXXX account within 10 calendar days after the qualification period. Amounts deposited by XXXX in the form of the cash award will be initially held in the eligible accounts core position. You will be provided information regarding the available core positions for the account type you select during the account opening process. You have the option of selecting a money-market fund sponsored by a XXXX affiliate as your core position. No further investment or trading is required to qualify for the offer. '' As of XX/XX/2022, I still have not received the {$50.00}. I inquired about this by phone on XX/XX/2022, and was told it would post the next day. It did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX inquiries have violated my rights.

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

15 U.S.C. 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. 1681 ( 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 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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously contacted Transunion regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Transunion adhere to the law and remove this information from my credit report immediately.

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 2022-10-06 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: MD

Complaint narrative:
Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. XXXX, however, said they could not change the information, even after verifying my identity.

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 2022-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I contacted the company back in XXXX after losing my job and they offered to help via a Mortgage Assistance form. I was provided an email address, fax and mailing address to send to. The email bounced, so I reached back out to them and got a message that said We are experiencing higher than normal call volume, please call back during non-peak hours. These non-peak hours are never stated, the system simply hangs up. 
I finally managed to get through and was given yet another email, which did not appear to bounce, and didnt receive any calls asking for more info. This lasted a week or two, then got an automated call asking me to call them. I call and got the high call volume message, and it hangs up. This went on for several weeks before I got someone again, who gave me yet another email. I sent, waited and this started all over again. I got through on Monday, XX/XX/XXXX and was told my house is in foreclosure, no date assigned yet. They said they can still help, send the documents to stop the Foreclosure and I sent. Ive now called everyday this week and gotten right through, but depending on who I speak to, they either have or dont have the documents, OR they need documentation that the form I filled out says they dont need. I had to call 3 times to get to a supervisor just today, and 2 out of 3 times they saw documents, the last lady saw none. 
I do not wish to lose my house because of company errors. I did what was asked and then some.

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 2022-10-06 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: FL

Complaint narrative:
I have previously contacted Equifax regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Equifax adhere to the law and remove this information from my credit report immediately.

Company response to consumer: Closed with explanation