vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/23 I received a strange call claiming to be FNBO Fraud department, letting me know that my entire account for MGM Rewards credit card was frozen. No prior notification in any form ( mail or email ) was provided. Out of the blue, everything was frozen for me, I can't see any of the transactions prior to the freeze, I can't see my balance, I can't pay the card. Thinking that it was scam, I called the number on the back of the card. I was transferred to the " research '' department, where they told me that I need to provide a copy of my Driver 's License, copy of my actual social security card and a copy of my recent W2 in order for them to review my account. And the only way to get that info to them was either by mail, fax or email. A couple of days ago I finally received a letter from them providing me with the fax number and email address that doesn't seem to be affiliated with FNBO. I am refusing to provide my utmost personal info to them in the manner that they're requesting. Additionally, on their website, it specifically states to not provide any personal information in that format and that FNBO will never request any of this information. I requested for a secure portal to be provided to me so I can upload the documents. They said they don't have one. I asked to go to a physical branch to physically prove my identify, they said they don't have a branch around me. I also asked about the status of my pending rewards which are directly linked to my credit card, and I have been accumulating for a couple of years now, they had no answer. I asked if I'm still accruing interest fees while my account is on hold, they said yes. If I don't provide this info to them in the formate they are asing they will close my account. I will have no way to tell if there was any fraudulent activity before the card was closed, and I will be forced to pay the balance without being able to review my statements. This is in a situation where I HAVE NO ACCESS TO ANY TRANSACTIONS ON MY CARD. I asked to speak with a manager, they refused my request. Both individuals that I spoke to were extremely rude to me. They said they mailed me a letter, I never received anything from them. The letter arrived more than a week after the first conversation, and after numerous calls I made back to them. I'm coming up to my payment due date, they want me to pay the card without being able to review my account and charges on the card. In other words, I have NO CONTROL of the situation. Per my research, this is unlawful practice by the Bank. They can't just refuse me my access to my card activity. P.S. this same credit card company increased my credit limit recently, without my request or knowledge, after which they placed a block on 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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On yesterday I spoke with Experian employee over the phone over an open dispute as well as disputes I have filed in the past about an account Im asking to be removed from my report. I have continued to demand the account from Attorney General Child Support be removed on MANY violations Experian has violated with the FCRA. The representative told me he saw the disputes, but they will continue to stay on there and not to worry about it because I dont have a past due balance at the time. THEY ARE KNOWINGLY AND WILLINGLY keeping this on my credit report. However, the account is hindering me from buying a home. I am now asking that Experian be notified they are in violation of the FCRA violation privacy right 15 US Code Q1681 ( a ) ( 4 ) and remove this from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am corresponding regarding the INQUIRIES section of my consumer report. After reviewing my consumer reports today, I do not recognize any of the following inquiries listed. Furthermore, I can not find any record that gave them permission to pull my credit report, or to report my information to any 3rd party, thus making them unauthorized.

UCC 1-201, 18 USC 1028a ( a ) ( 1 ) ( c ), 15 USC 1681d , 15 USC 1681c-2 , 15 USC 6802 ( a ), 15 USC 1681b ( 2 ), 15 USC 1681q, As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. I do not wish to have a fraud report to be placed on my reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. 

I do not wish to have a fraud report to be placed on my reports. Should I, in the future, wish to have a fraud report on my account, I will do this myself. 

Should this deletion not occur, please respond to me within 30 days citing detailed and specific reasons for not deleting each line.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am corresponding regarding the INQUIRIES section of my consumer report. After reviewing my consumer reports today, I do not recognize any of the following inquiries listed. Furthermore, I can not find any record that gave them permission to pull my credit report, or to report my information to any 3rd party, thus making them unauthorized.

UCC 1-201, 18 USC 1028a ( a ) ( 1 ) ( c ), 15 USC 1681d , 15 USC 1681c-2 , 15 USC 6802 ( a ), 15 USC 1681b ( 2 ), 15 USC 1681q, As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. I do not wish to have a fraud report to be placed on my reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. 

I do not wish to have a fraud report to be placed on my reports. Should I, in the future, wish to have a fraud report on my account, I will do this myself. 

Should this deletion not occur, please respond to me within 30 days citing detailed and specific reasons for not deleting each line.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There was improper use of credit reporting, Ive Notice several fraudulent inquiries on report one happening on XXXX XXXX XXXX bank, Another reported on XX/XX/2023 XXXX bank and on XX/XX/2023 Georgias own credit. Please have removed at earliest convenience, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XXXX XXXX I was charged by the company XXXX XXXX in the amount of {$320.00} through my bank Current. I did not authorize this transaction and my card was fraudulently used. I did not come back into XXXX until XX/XX/XXXX and that is when I noticed my statement. I tried to reach out to the company but it was not able to get in touch with anyone. I reached out to my bank and they said they would investigate, however there was no proper investigation and they denied me. I am out over {$300.00} and the bank is refusing to return my money. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
On Complaint XXXX - Equifax closed the complaint indicating that the issue has been resolved and that I need to be descriptive in my request. 

Here is the issue for the 5th time. I have requested documentation of validation from Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX for Equifax to provide me with the proof of documentation used to validate a bankruptcy that they are reporting on my credit file. To date, Equifax has not provided the documentation and continues to report this alleged bankruptcy costing me thousands of dollars in unnecessary interest as well as impacting my ability to obtain employment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: IL

Complaint narrative:
XXXX XXXX said I had outstanding odds on getting a auto refinance, at a rate of 3.51 % with XXXX. On XX/XX/2023, I applied. Application number : XXXX. They immediately want me to start uploading documents such as my drivers license, vehicle registration, etc. 

It took XXXX days of talking to XXXX from XXXX. I was then told they couldn't get me a lower rate. On XX/XX/2023 I get this response to my complaint about poor business practices. 

" We have been trying to understand why XXXX XXXX keeps offering numbers to everyone that are below the federal reserve rate and not realistic numbers that banks are currently financing at. For that I am sorry for the confusion. '' Looking on autopay.com they advertise rates as low as 2.99 %. 

Multiple hits on my credit report. Time consuming process to apply and answer all the follow-ups. All for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was never late on the paid-off account listed above please show me documentation proof of transaction, showing i was ever late to support your inaccurate reporting on my account if you can not support supply this please delete this alleged late payment from my credit report this is an invalid late payment please note that the FCRA allows 30 days for this to be rectified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, CHASE and XXXX Credit Bureau are violating my rights on account # XXXX. 

This is my second attempt for Chase and XXXX to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect Chase and the Credit bureaus to do the same as part of their investigation. 
In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called Chase XXXXredit services, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. 
Chase claims that all conversations are recorded when calling, so if a serious investigation was done by Chase and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But Chase and the credit bureaus are still claiming that I have a late payment. 
In accordance with FCRA, 15 USC 1681s-2 ( b ), Chase and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. 
After I was told by Chase credit services, as a consumer, that if I did such and such I would not be charged with a late payment, only for Chase to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that Chase and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. 
I would expect the XXXX credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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. 

The letters are stated with items and issues.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Was never informed about his collection account. I never received any information about this debt. I am supposed to receive legal disclosures regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
During XX/XX/2023 a Synchrony Bank Care Credit card account with a limit of {$4300.00} was created without my knowledge, approval or consent. The {$4300.00} was charged by XXXX XXXX XXXX in XXXX Arizona. It was brought to my attention by XXXX, XXXX and XXXX Credit bureaus due to delinquent payment notices from Synchrony Bank. When I contacted Synchrony Bank about the delinquent complaints, they notified me about the accounts existence. The account did not have the correct spelling of my name, it didn't have my address, phone number or email address. They transferred my call to the fraud department who asked me to file a police report and complete the fraudulent paperwork.

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 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Here is the loan officer information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX XXXX U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX On Sunday XX/XX/XXXX after meeting with the XXXX XXXX XXXX XXXX is the representative . We asked XXXX to provide us an updated offer letter and with the information from the application in XXXX he had approved saying yes he would gladly provide one. Then when we requested multiple times an estimated loan he stated and you can see the emails that we needed a contract with XXXXXXXX XXXX to provide an estimate. That he couldnt provide one. I clearly explained that this was against the law and per CFPB we did not have to have a signed contract to obtain a loan estimate. Then he argued that he didnt have an address and he had already been in contact with the buildeXXXX XXXX XXXX and had the lot number. I went ahead and provided this to him again and stated once he had all the XXXX points to provide a loan estimate. On XX/XX/XXXX I expected a loan estimate. Instead XXXX with guidance from his manager triggered a loan on a house that is not due to be completed until 7 months from now and a loan isnt required. We simply wanted a loan estimate and we provided all the information necessary. XXXX and his manager at US BANK continued to deny this request and illegally asked us to provide a contract which was not necessary and also he had all the information required to provide us a loan estimate.

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 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief