vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: Experian Information Solutions Inc.
State: TX

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

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been reaching out via certified mail to the credit bureau about XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX family account # XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX They have not responded by law or removed these from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been refusing to remove a credit card and a collection from my credit report. I have filed numerous identity theft disputes with a valid police report for XXXX XXXX Police Department. My identity was used by a family member that temporarily stayed at my residence. She used my info to obtain credit and other goods. Ive been fighting with Experian since approximately XX/XX/2022. They have not been so friendly.

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 2023-01-23 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase with my Apple Card from a company called XXXX in the amount of {$39.00}. A few days later I noticed three separate charges in the amount of {$5100.00} each had posted to my account with a name of XXXX XXXX. I immediately started a chat with Apple to dispute these charges as I did not recognize the name XXXX and also most certainly did not make any transactions in the amount of {$5100.00}. After the chat they took the charges off, stating that it would take up to 90 days for the dispute to resolve. Then, On XX/XX/XXXX the three seperate charges for {$5100.00} were then charged back to my card. So again, I immediately started a chat with Apple to dispute these charges again. But this time, they said that the merchant sent them 'proof ' that I made these transactions. They also provided me with an address and phone number, and suggested I call the merchant myself. That sounded absurd to me to call someone who fraudulently charged my card... isn't this the investigation team 's job at Goldman Sachs?! Apple said they would email me the 'proof ' ( which they still have not done ), and would put this under investigation for another 90 days. But now, I am unable to use {$15000.00} on my credit limit because it's frozen due to this dispute. I am unable to speak with the dispute department, nor able to speak to any sort of supervisor or manager. I was told that XXXX XXXX does not speak to consumers directly, nor does the people that do the actual investigation. 

After I got off the phone with Apple on XX/XX/XXXX, I did some XXXX on with the information they provided to me on the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I found out that it was XXXX. I immediately called in, and was instructed to start a chat and provide my proof of purchase with XXXX in the amount of {$39.00} back on XX/XX/XXXX to Apple. Which I did by providing a screenshot of my purchase. To this date ( XX/XX/XXXX ) I still have not heard back from Apple, nor received the alleged proof that they received from the merchant. 

Since then, I have made 5 calls to XXXX, and sent 3 email messages to multiple people in their company, and nobody has returned a call or any message. I have no idea what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Bay Area Receivables is reporting false information to credit bureaus regarding a bill. XXXX seperate accounts XXXX balance is {$2500.00} and the other balance is XXXX. I have tried to resolve the issue but Bay Area Receivables area refuses to acknowledge those bills are not in my name. XXXX XXXX XXXX XXXX requires that the information is accurate.

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 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PulteGroup, Inc.
State: NV

Complaint narrative:
Good afternoon To whom it may concern, As a proud XXXX veteran that served the country and a man of integrity that now serves the community working for XXXX. Im reaching out in need of some assistance with a matter involving Pulte XXXX in XXXX XXXX, NV, and my earnest money in the amount of {$19000.00} given as a deposit for the purchase of a new home for my growing family consisting of my spouse, three boys and baby on the way. On XX/XX/XXXX a contract was signed with Pulte Homes to buy a new house using the VA loan but also contingent on me selling my current VA residence to utilize the proceeds as down payment. With the unforeseen events occurring in the entire country and the rise of interest rates I have seen myself forced to reduce the sale price of my home three times for a total amounting to - {$50000.00} and had lots of showings of the property but no solid offers. The mentioned contract that was contingent on the sale of my house to use the profit as a down payment also had a VA addendum that states if I can not obtain the VA financing, I have the option of a refund of all deposits and Pulte Homes will not honor the addendum. Instead, they have decided to keep my earnest money and create a certificate of credit for another three months after the expiration of the contract on XX/XX/2022. On several occasions I told them I wanted out of the contract because my home was not selling and to give them a chance to put the house on the market for other potential buyers, but because of their high inventory of houses not selling they continued to make new efforts to keep me and my money. I didnt want to break the contract forfeiting my hard earned {$19000.00} that was originally saved to help purchase a vehicle for my oldest son now XXXX. I sacrificed the savings that was destined to help purchase a vehicle for my son for a bigger purpose that will benefit the entire family and now kindly asking for some assistance in the recovery of those funds. Thank You.

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 2023-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: OK

Complaint narrative:
Hi have a health savings account with XXXX XXXX XXXX. After I left my job, I received a letter that my account and funds had been transferred to another provider. I called XXXX to have a new debit card sent. They were unable to find my account. After multiple calls, my account was located and a debit card was mailed. I did not receive a new card. I called again in XX/XX/ to request another card be mailed. They said it was mailed and I didn't receive it. I've since called XXXX XXXX XXXX times and I've yet to receive a card. The company has had my money for over a year and I have had no way to access it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 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: HI

Complaint narrative:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX XXXX, and on the XXXX  or XXXX XXXX internets for a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

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 2023-01-23 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: Experian Information Solutions Inc.
State: TX

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

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 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had credit card fraud on XXXX XXXX XXXX bank statement. Bank of America was notified immediately. I submitted documents proofing it wasnt me. I have a letter of resolution in my favor dated XX/XX/XXXX in my favor. It was then reopened in XX/XX/XXXX by Bank of America. Amount is {$1100.00}. My bank Acct 3 yrs later has been fraudulent confiscated by XXXX XXXX XXXX XXXX, in Ny. For the amount of {$3700.00} from my personal acct. I had not been served papers by o court of law. The fraud happened in NJ. XXXX was filed in NY. Ive sent them numerous docs proving my innocence. They repeatedly have taken weeks to call back & are extremely aggressive. Ive contacted a lawyer, & was told its going to cost me the same amount that was taken. How can people get away with double fraud? Its truly happened 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 explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
XXXX Bank of America closed my accounts, and send check not honored, it ILLEGAL to refused to honor my cashier check I request the full value + the fees charge for XXXX honored check XXXX $ attached is the check Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo refused offers on the house more than once and we lost the house.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I dont know if I was taken advantage of or not. I had my house with them, my vehicle and my XXXX  and my checking and saving. They just charged me {$25.00} for each XXXX  I closed our. I thought that was odd. Also my checking and savings was with them for years

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 2023-01-23 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: HI

Complaint narrative:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: HI

Complaint narrative:
Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX  websites, and on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: I.C. System, Inc.
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an 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
Consumer complaint received 2023-01-23 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Unfortunately, I am a victim of identity theft as a result of a data breach. When I learned of this, I began reaching out to the institutions and banks reflected on my credit report, all of which I have no affiliation with outside of the fact that my information was fraudulently used to open up a plethora of accounts under my name. I have been successful in the process of disputing these accounts and outstanding balances with XXXX out of XXXX accounts, which have since been removed from my credit report as a result of my actions and efforts to prove that I was not the individual involved in opening the accounts. However, I have been in the process of disputing credit with XXXX XXXX XXXX XXXX, AFFIRM INC XXXXXXXX XX/XX/2022 and have yet to have my case resolved with these agencies. With XXXX XXXX  specifically, I have submitted copies of police reports, an FTC report, proof of identification and personal statements, and have expressed my frustration with their lack of attention and ability to identify my account activity as fraud, yet they continue to write back to me saying that " unless I have new or relevant information to support my claim, '' they can not move forward with my dispute. I feel this is unfair on their part, I have taken all actions and have provided all documents necessary yet they sustain that nothing more can be done. As for the XXXX other entities, they have approved my dispute and XXXX calendar days have passed since their approval yet the derogatory information still appears on my credit report. I feel that I have taken every step possible in moving forward and I no longer know what to do to restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit Acceptance Corp over charged me for a vehicle and I cant afford 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 explanation