vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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.

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 2024-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I was employed by Best Buy. At that time, I had never applied for any form of credit or loan ( I opened my first credit card in XX/XX/XXXX ). Months after my departure ( around XXXX XXXX ), I checked my credit report out of curiosity as my credit union just added the feature on their site. 

I noticed a credit inquiry from a bank on XX/XX/XXXX that read " XXXX '' or " CITIBANK NA XXXX BEST BUY '' with the address info " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' and phone " ( XXXX ) XXXX '' ( that expires XX/XX/XXXX ). I was confused, then I remembered Best Buy sold store credit cards. I knew for a fact I never applied myself, as I knew nothing about credit and the process itself was too specific for me to have done it by accident. 

It required you to navigate multiple screens between the Cashier 's POS system and the customer pin pad. You also have to input the customer 's social security number into the pin pad, an entire process I definitely would've remembered. But I was scheduled to work that day and don't recall seeing anyone do anything particularly suspicious. 

On at least XXXX separate occasions between Mid-Late XXXX and XXXX XXXX, I contacted CitiBank, Best Buy, XXXX, and XXXX for XXXX. I requested to know when/where, and how this credit application was created and if it can be removed. Between the XXXX entities listed, no one was able to provide this information and/or stated that they were unaware of what credit application I was referring to. Then I was instructed to call a different person, department, or a separate entity ( like a game of hot potato ). 

To this day, XX/XX/XXXX, the only information I have is what I can see on my credit report. I'm less concerned with wiping the inquiry clean from my credit report, which I still would like, I'm more concerned with how this happened. 

Part of me believes this was done by Best Buy, possibly an employee, in order to satisfy a credit application quota. During my employment ( holiday season hire ), I was a XXXX XXXX XXXX XXXX. I had been being consistently assigned outside of my duty to work as a Cashier/Front End Specialist and made to convince customers to apply for a Best Buy credit card. We were meant to ask/mention in 3 times ( beginning, middle, and end ) of every customer transaction and offer brochures/use them for demos. 

The purpose of this was to work harder to reach/surpass a set daily quota of " apps. '' Everyday working there, you'd hear managers and front end workers talking about getting apps or scrambling to make sure theyre getting on them promptly. I dont outright claim that an intentional fraud was committed, but I strongly suspect 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
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I signed up for Experian credit monitoring for {$27.00} on XX/XX/XXXX. I then called and canceled my subscription prior to the next month. I do not have the reps information, I didnt think I would have an issue. I then was charged another {$27.00} XX/XX/XXXX. Called, was told they do not issue refunds so I decided to change my card on the account just in case there was another issue. even with a new card on file my current debit card has been charged {$27.00} for XXXX XXXX XXXX and today XX/XX/year>. ALSO on Experian its stating I can not access my account due to non payment, so not only do they not honor cancellations, steal payments, they dont allow access to the services they are FORCING ME to have. 

I would like a complete refund of {$160.00} and my account closed along with all my payment information deleted. 

Experian is supposed to be trustworthy and its robbing the very same people trying to actually care for their credit.

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 2024-08-22 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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 # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I contacted Coinbase because I noticed my funds had been transferred out of my account on XX/XX/year>. 
Coinbase support told me that the funds from my XXXX account had been transferred to an external account and my XXXX had been sold. 
I informed them that I did not authorize any transactions and no funds had been transferred to any of my accounts. 
Coinbase has a record of the transactions but told me they are not responsible for any accounts that have been compromised and they will not be refunding my money or sale of XXXXXXXX XXXX 
I have filed a report with the FTC, the XXXX and the FBI. 
I can not see why a company like Coinbase can allow transfer of funds in and out of their financial institution but accept no responsibility for lost or stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nav Technologies, Inc.
State: GA

Complaint narrative:
NAV is a credit monitoring service that has told me they have been reporting my payments to my XXXX and XXXX report but nothing is showing and have been making payments since XX/XX/year>. They offered to refund XXXX month but are refusing to rectify the reporting payments for XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
In XXXX of 2021 I reported an appraisal error and omission in my FHA loan. Per HUD/FHA a lender is required to self report the following in the Loan Review System, Lender Self-Reporting of Fraud and Other Material Findings. The Federal Housing Administration Loan Review System ( LRS ) Lender User Manual and FHA Loan Review System Basics are attached for reference. 
Cardinal Financial chose the category of Property Eligibility rather than the correct category of Property Appraisal.

They have refused to provide a reason for this inaccurate reporting, much less submit the loan defect under the correct category, instead deflecting to things that are not the borrowers responsibility. They did not address the reasoning for choosing the incorrect category in the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist bank is refusing to close my escrow account. 

I have a home mortgage with Truist bank. My loan number is XXXX. I made a down payment of 60 % on my new home which is lot more than the 20 % needed to remove escrow account. My loan balance currently is XXXX Further I have a credit score of XXXX and never missed any payments ever in my life. 

But still when I called truist, they are refusing to close my escrow and refund the XXXX in it. 
I told them I will make the propert taxes / home insurance on my own and have sufficient funds, but still they are refusing to close my escrow as they want to make money out of it. 

Truist is paying 0 % interest on the escrow account

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 2024-08-22 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I had received XXXX $ USD on the Venmo platform that was owed to me/ belonged to me from another individual and upon withdrawal of said funds, the company froze my account and declined to transfer the cash. 

They contacted me via email from the email address " XXXX '', stating that they wanted to see a government issue ID, which was provided within the same day. After waiting 5 days, the company reached out once more, from the email address " XXXX '' coupled with the name XXXX XXXX, stating that the bank account I tried to add and withdraw to was already on file with the company and that they needed to make sure I have direct access to this account. So they asked for bank statements of the bank I tried to add on XX/XX/XXXX, being XXXX XXXX XXXX XXXX, an account ending in XXXX, which was also immediately provided, the date of which being XX/XX/XXXX. 

On XX/XX/XXXX, they stated that the statements were missing the required information, though this is improbable because I had pulled the statements directly from the financial institution. I had let the Venmo team know that since XXXX is a local credit union, they have their own internal system of account management, and thusly don't show checking/routing numbers on their bank statements, but rather membership IDs. 

At this point, Venmo is holding my money XXXX and not acting in good faith in regard to myself or this matter. 

My request number on file with Venmo is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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.

Company response to consumer: Closed with non-monetary relief