vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXXXXXX XXXX XXXX XXXX  at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX, XXXX XXXX  XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
The calls go right to voicemail and give no name or what the debt is for. They call more than 7 times in 7days in fact at one point it was 12 times in 7 days. But I never get the call and I can not attempt to contact them back. I will copy the transcribed voicemail here for you to see why this has become rather stressful and disruptive to myself and my family. 
This message is for business name, XXXX This is Sequim asset solutions calling regarding your spectrum account. Please call us back at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you. but the actual message is a recording and says this message it for name XXXX XXXX XXXX. Its to the point it's disrupting the flow of my day and caused me to avoid answering my phone at all causing additional issues in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
disputed two fraud claims with them. XX/XX/XXXX and XX/XX/XXXX. one for XXXX first one was from XXXX and the other for {$320.00} from an atm withdrawal totaling XXXX they claimed there was no fraud on either but never even investigated it or given me a provisional credit. meanwhile i appealed the first one they closed it same day then sent me a letter claiming since i said i didnt authorize the charges. they sent me a letter claiming to close my debit card. due to me reporting that my account had fraudulent activity and they did nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, 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 explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
Made contact with XXXX XXXX XXXX XXXX XXXX  and the credit bureaus in XXXX, XXXX, XXXX and XX/XX/2023 about the inaccuracies on my credit report and the creditor and bureaus have failed to abide by the Fair Lending Laws and Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: NY

Complaint narrative:
FCRA, 15 USC 1602 ( J ) 15 USC 1602 ( k ) 15 USC 1666 ( b ) 15 1602 ( p ) these law were broke and created hardship snd stress and then equafax was being unreasonable to comply and feuds to verify me and inaccurate spelling of my reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
My husband bank with firts citizens bank and he wan na add me to his account I provided my ssn and my state license and my credit card from another bank took all my information them someone called me and ask me to bring my ssn and license again them called me to asked me to bring my visa  and passport them they said that there were a problem with my documents and they want another visa, I told her that I was calling an attorney because all my documents are correct and I wanted a email or letter printed telling that my documents were not accepted by this bank because I was on the phone with an attorney because they being XXXX and I have all mydocuments a few minutes later I when to pick up the letter and she apologized and said that everything was her mistake but is alright I don't need to bring any more visas to be added to my husband 's account they know him by name is a small town they never requested any information when he goes by they took copies of all my immigration documents plus my ssn and license and passport this is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have disputed the reporting of my Santander loan 3 different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having covid. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Block, Inc.
State: WI

Complaint narrative:
My Cash App account was closed on XX/XX/XXXX. I contacted Cash app and they stated that it was closed because of activity that goes against their Terms of Service. I asked them what activity are they talking about and the advocate stated that they didn't have that information but they would file and appeal to another department for me. They asked me what did I use cash app for and I stated that my family and friend send me money to pay bills, buy medicine, make purchases for my household, or anything that I need done. I stated that I'm on XXXX and my family has to help me make ends meet. They stated that I would receive an email in a couple of days from the department. To date I have not received any correspondence from Cash App regarding my account. I have called several times and get the same response that they are working on it but no one can tell me what I did to have my account closed. I have not received an email or phone call from anyone. I am XXXX woman who has health issues and I need the app for my family and friends to help me throughout the month. I need to speak to someone who can help me open back up my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: MA

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to address a concerning issue related to my CITIBANK business checking account, which was opened on XX/XX/2023, and subsequently closed on XX/XX/2023. Despite my disappointment with the perceived unfair decision by the bank, I am reaching out to you in hope to get this resolved. 

To provide context, on XX/XX/XXXX, I have deposited an Official Bank Check ( XXXXXXXX XXXX check ) amounting to {$30000.00}, which was provided by family member ( aunt ), an account holder with XXXX XXXX. Initially, there was no issues accessing these funds. However, complications arose when the bank denied our withdrawal request and initiated an inquiry into the matter. Despite diligently furnishing all necessary documentation and engaging in extensive email correspondence, further requests were made to review my aunt 's statements. Subsequently, my aunt visited your XXXX branch ( XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ) in person, providing the required information. 

Regrettably, the bank 's back-office personnel concluded that the transaction constituted fraudulent activity. This led to the abrupt closure of our business account, along with the withholding of {$19000.00}. Despite our efforts, which included providing information from XXXX XXXX  's representatives and offering to involve the corporate side of XXXX  to confirm the legitimacy of the funds, we find ourselves accused of depositing a fraudulent check. 

Having patiently waited for more than XXXX months in the hope of the bank returning our remaining funds, it has become evident that there is no intention to do so. This message serves as an attempt to resolve this matter externally, since internally they have not taken any actions to resolve this issue.

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 2023-12-05 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am not liable for this debt with the debt collector, I do not have a contract with that company. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: AR

Complaint narrative:
Hunter Warfield is showing up on all 3 of my credit reports showing they are collecting a debt for an apartment complex I moved out of in 2021. My lease was up and I was on a month to month agreement with the previous manager XXXX XXXX. I got her permission and okay that it was fine for me to move out since I was on month to month. In the middle of my move something happened at the apartment complex that forced them to change managers, the new manager didn't know me and didn't know what was going on I assume. I spoke to her briefly when I turned the keys in to let her know I was moving and the previous manager and I agreed to the move being that I was on month to month and under no lease agreement. She stated she would look into it but I never heard from her again. Then years later I see this collection agency on my reports that I have no knowledge of, they have never tried to communicate with me by any means to validate or verify this debt that I don't owe. I have an emergency in my family and we are needing to move from our home because of health reasons and now this unlawful reporting is causing hardship in my life to where I can't move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America fraudulently opened a credit card without my knowledge in XX/XX/2022 The amount was {$5000.00} Immediately called Bank of America to report it and made a police report This greatly impacted my 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 2023-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have been a Member of PenFed Credit Union since XXXX. I have paid for all XXXX of the previous products I borrowed on time and in full. However, when I applied for a debt consolidation loan, I was denied because I failed to pay back my previous loans on time. This claim is false ; at the time of my application, PenFed obtained my Credit Report from XXXX, and my XXXX score was XXXX points with XXXX derogatory marks. 

When I contacted PenFed, a customer service agent ( XXXX ) and his supervisor informed me that the underwriting department had notes on my account to revoke me for a credit card and I'm only eligible to get a personal loan with a co-signer even though my debt to credit ratio is less than 5 %. The agent also informed me that I was flagged as high risk because I have filed disputes with the credit bureaus for holding Penfed accountable for reporting accurate information, which is still present on my XXXX report. 

The internal notes left on my PenFed account are misleading and preventing me from obtaining access to capital from the Pentagon Federal Credit Union even though I am financially stable and qualified to receive loans and products.

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 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National Bank holds my mortgage and paid my real estate taxes XXXX weeks late. I found out when I received a delinquent notice from XXXX XXXX. 
I called XXXX tax assessor and was told the property taxes were due XX/XX/XXXX. Valley National Bank did not pay taxes until XX/XX/XXXX. Late fee of {$7.00} assessed & late payment noted. Valley National Bank paid late fee. 
I contacted Valley National Bank and was told they are in the process of getting a new system and that is why the taxes were paid late. 

I have been paying various mortgages since the XXXX 's. Never once has a bank paid property tax late. If all the mortgages held by Valley National Bank were paid XXXX weeks late, the bank had the use of that money during that time frame. Depending on how many mortgages are held in Valley National Bank & how many accounts had a XXXX delay in paying taxes out of escrow, Valley National Bank made a lot of extra cash. In essence the practice is " floating '' or " check kiting ''. 
A late fee of {$7.00} is minimal compared to the interest collected on the money held in escrow. 
In the past the monthly mortgage bill stated there is a late fee of {$32.00} if mortgage payment is not received prior to the XXXX of each month. That information is no longer included on current statements. 
Customer Service Representative named XXXX said there was no way of knowing what a the late fee charge is now unless it was calculated by someone in the Valley National Bank XXXX department. 
If the consumer must pay a late fee, the bank should have to pay a fee to the mortgagor for being delinquent and using the mortgagors money for XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2023, I submitted information about inaccurate information on my credit report. Nothing was corrected. The credit bureaus continue to say things are verified and accurate when this is not true. There are inaccurate late payments on my credit report that violate 15 U.S. Code 1666b - Timing of payments. This needs to be corrected. In addition to, my identity being compromised. There are accounts on my credit report that do not belong to me. I have also attached an FTC report that I filed to support this.

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 2023-12-05 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: 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.

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