vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 XXXX 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 2023-09-28 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: GA

Complaint narrative:
Transunion continues to report inaccurate information on my consumer report. There are several inaccuracies.

My address and name is listed wrong on my report. It is causing me to be denied for credit.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures 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 this subchapter.

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 2023-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
This auto dealership ( XXXX XXXX ) in XXXX XXXX, Florida, took {$1000.00} for a down payment for a used auto, but auto was delivered dirty and with tobacco smoke in it. That was 1 criteria of looking at the auto that it have NO Tobacco Smokes ( since I have allergies to tobacco smokes, mold, pet stinks as well as food allergies ). The auto was delivered 3 to 4 hours later than it should have been, it was dirty, had tobacco smokes in it. Then the dealership claimed they could not get another auto door lock for it since the one that they wanted to give me was broke, but said /I could still unlock it by the key. I waited for a while and then realized this company must have crooks working for them ( XXXX ) was the sales person, who claim to sell the auto. I took the auto back to the dealer and parked it on their lot for such Bad Business Practices and them not fixing the auto door lock as they said they would. I owe this dealership nothing, they tried to sell me an auto that was so heavy with tobacco smokes you could smell it very much upon opening the door, BAD BUSINESS PRACTICES. This was filed with the Missouri Attorney General as well as the XXXX. XXXX the personnel of XXXX was very RUDE in trying to converse with this issue in emails.

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 2023-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am in the process of selling my home. I am seeking a LIEN RELEASE. In XXXX GMAC MORTGAGE granted a home equity line of credit of {$74000.00}, in my former martial surname of XXXX. GMAC is now defunct ( XXXX ). GMAC sold out to OCWEN who sold to XXXX, who lastly sold loan to PHH MORTG. None of these companies has ever reached out to me with any correspondence/billing statements. I have contacted PHH MORTG several times via phone to no avail. PHH MORTG says they have to record of my loan originating from GMAC. I have also inquired into XXXX XXXX XXXX 's office to get information on who bought loan, also to no avail. All I want is to get a lien release to resolve this matter as quickly as possible. All these mortgage companies selling loans and NOT keeping records has made it next to impossible to find the company who now has the loan.. PLEASE HELP ME. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow up to my most recent case that was closed : XXXX. It has been over 2 months since I have opened this inquiry and I have yet to receive my funds returned from the bank nor any response after submitting the documents they have asked for. I have emailed and called several times my contact XXXX XXXX from Truist bank with no response. 
Office : XXXX ; XXXX. 

My complaint : My Suntrust Bank account # XXXX was closed XX/XX/2019 due to " fraud '' suspicions. They refuse to send me back my balance of {$11000.00} because they need me to prove this was not fraud. It is not possible for me to do this since there was no fraud activity to begin with. I am at a dead end with this bank and I need help to resolve this issue. These funds are vital to my survival and need this returned asap.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be deleted because it is affecting me and it does not belong to me.

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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a paymment to my insurance compamy, XXXX, whixh was returned and not paid and was alsonot discosed to me at any time and there is no record of it on my staement. Furthermore, shortly after that time period I requested that my account be frozen because of fraud attemps that were clearly present as confirmed by a branch manager in XXXX XXXX, CA. My account was frozen as requested but then I was not allowed to have any information for seven months, being charged for the account the entire time and not being able to use the account while being treated like a criminal with refusal to communicate with live representatives on the phone, hanging up and cutting me off when calling without explanation even though I reminded them that I had been the one to freeze my accont. I tried over well over ten times to get through to someone in charge through email letters, executive offices, etc. Finally after seven months I was allowed to get information when I tried to do so without explanation. Then again finally after asking several times what had been the problem someone said casually, '' it was our mistake '' with no explanation or appologies, nothing in the way of information of any kind. 
Meanwhile I'm being XXXX for a traffic accident with that payment still in question as to whether I was covewered by my insurance through that payment. Citi Bank has refused to give me info about my account saying I need a subpeona which I know is false. I am entitled to know what happened with that payment for which there is no record and to withhold such info is illegal.

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 2023-09-28 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: FL

Complaint narrative:
I have no idea where these accounts came from, but they have been recorded in my file. I started monitoring my credit because I want to buy a house, and I discovered these accounts that I have no idea what they are or where they originated from. I'd like to say the businesses have responded, but they haven't. They have failed to react to my request for clarification. I don't know where else to turn because this information is false, and I need assistance in contacting the appropriate authorities to complain about the violation of my rights and the identity theft that has occurred in my life. Please assist! - EQUIFAX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
i did not authorize these inquires on my credit. 

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i did not authorize these inquires on my credit. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been disputed the validity of the XXXX XXXX account that is being reporting on my Equifax credit report for reporting inaccurate information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each time the results have been that the account is verified and updated. 

On XX/XX/XXXX, I requested that the XXXX XXXX account be deleted from my Equifax credit report because I received a letter from XXXX XXXX dated XX/XX/XXXX, which they stated that they are unable to confirm my personal information or locate my account number, and I included it along with a copy of my ID and SSN. 

On XX/XX/XXXX, I received an email from Equifax stating my request was denied because the account was verified and updated. 

How can this account be verified as accurate and updated when the company is saying that they can't confirm my personal information or locate my account information? 

I would like this account to be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I SENT A FTC FRAUD AFFIDAVIT TO THE COMPANY AND REQUESTED THE ACCOUNT BE WITHDRAWN FROM BEING REPORTED ON MY XXXX ACCOUNT THE COLLECTION COMPANY IS STILL REFUSING TO REMOVE DEBT OFF CREDIT REPORT EVEN AFTER THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS REMOVED OFF OF CREDOT REPORTS DUE TO THE IDENTITY THEFT LVNV ALSO SENT ME COPIES OF XXXX XXXX  STATEMENTS FROM A ADDRESS THAT I MOVED FROM IN XXXX THOSE STATEMENTS ARE FROM XXXX. I AM NOT LIABLE FOR ANY DEBT OWED TO LVNV ESPECIALLY AFTER XXXX XXXXXXXX WHO THEY BROUGHT THIS FRAUDULENT DEBT FROM WAS REMOVED OFF OF ALL CREDIT REPORTS IN XXXX XXXX.LVNV WAS REMOVED AND BLOCKED OFF MY CREDIT REPORT XXXX XXXX AND SHOULD BE REMOVED OFF OF MY XXXX REPORT ALSO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have recently checked my credit report with XXXX, XXXX, and XXXX and discovered that FORD MOTOR CREDIT AUTO LOAN ACCOUNT that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by Ford Motor Credit account wrong reporting. I never had account with Ford Motor Credit on XX/XX/2017. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed XXXX XXXX XXXX is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This companies doesnt have any proof or no signature of mine to validate this debt saying I owe them.

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 2023-09-28 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: CITIBANK, N.A.
State: NC

Complaint narrative:
The Home Depot is reporting that I had a store credit card and that it was charged off.. I informed XXXX that I have NEVER had a Home Depot card.. I submitted a dispute and got a generic reply that Home Depot " had confirmed '' the account, so it was left on my report.. They have no proof of my identity however.. They don't have my ID on file.. I know this for a fact.. Companies like XXXX and XXXX should have a burden of proof and not just be able to arbitrarily say " oh yeah that's accurate '' .. Take some responsibility and give the consumer the benefit of the doubt instead of corporations..

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 2023-09-28 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I purchased a walking treadmill from a company called XXXX in XX/XX/2023. They said they were going to ship in XXXX. I emailed them in XXXX when I didnt receive the product. They said 2 more weeks so in two weeks I emailed them and they said 2 more weeks I did this every two weeks until like XXXX. 

At this point Im confident theyre never going to ship so I request a refund. They approve the refund said it would arrive 7 business days. I forgot about it and then a month or so later realized the refund never came through. 

Then I emailed them to ask and found out the company dissolved. 

I requested a charge dispute with Amex, the card I used to purchase. They didnt open an investigation because my purchase date was more than 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I had a venmo account and a ex boyfriend who did some shady transactions- he sent me money and asked me to send back to him. When I realized that he was doing something probably illegal, I contacted Venmo to report him and provided his name and contact information. Venmo responded by deactivating my account. I have tried to find out why but they will not respond and have told me to not contact them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have inquiries on my credit that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the university XXXX XXXX I know a thing or XXXX about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on my credit report

Company response to consumer: Closed with explanation