vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: MI

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 XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXXXXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I closed my checking account with US Bank in XX/XX/XXXX. I had exactly {$1500.00} in my account when I closed it. I called US Bank to close the account and they said a cashier 's check in that amount would be sent to my mailing address in a couple weeks. 

A month goes by and I don't receive the check. I called US Bank and they told me to go to a US Bank branch. A representative at the branch was able to make an inquiry and on XX/XX/XXXX, I received a letter in the mail that contained a copy of the cashier 's check that was sent to me. According to US Bank, it was cleared on XX/XX/XXXX. The cashier 's check is correctly made out to my name, has my mailing address and was for the amount of {$1500.00}. On the back, it showed XXXXwo signatures : 1 was forged in my name and the other I don't recognize. 

However, I never received this check and the signature on the back is not mine. Subsequent trips to the branch were not helpful and they said I had to call US Bank. Calls to US Bank 's Fraud Department were also not helpful. They took down my details, but never called me back. I do have a claim number with them if that is helpful.

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 2022-10-19 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: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : TD Retail Card Service  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Synovus Bank
State: WA

Complaint narrative:
I have reached out to First progress multiple times requesting a XXXX balance letter to be mailed, faxed, and emailed. I have paid the account off in full before it has reached collections and have applied for a home loan and this would greatly impact my score if I could get what I requested. All agents I have spoken with have given me a run around and delayed precious valuable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 a 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 non-monetary relief
Consumer complaint received 2022-10-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I purchased airline tickets via XXXX. I even purchased travel insurance in case the flight had to be cancelled. I later received an email stating that XXXX cancelled my flight and that I would be reimbursed. The travel insurance I purchased through XXXX reimbursed me, but XXXX did not. I have spent countless hours on the phone with XXXX as well as Citi Card regarding this matter. I have given them all the information that shows that my flight was cancelled by XXXX, not me. I was reimbursed for the travel insurance. 
Citi Card, even after having all the information clearly showing I am not at fault, refuse to help me in the matter to get this resolved. 
These tickets were purchased to for my kids and I to see family after my husband passed away from XXXX. I had to repurchase the tickets through XXXX XXXX. Having to pay for XXXX 's error will be a severe financial burden on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN CREDIT REPORT # XXXX WAS MAILED TO ME ON XX/XX/2022. ACCOUNTS NUMBERS # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. ALL 5 ACCOUNTS SHOULD SHOW PAID AS AGREED WITH {$0.00} BALANCE, ATTACHED WITH THIS IS A COPY OF EXPERIAN CREDIT REPORT # XXXX AND RELEASE OF DEED P.S EXPERIAN HAS HURT MY CREDIT SCORE

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 2022-10-19 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 a 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 2022-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
The appraisal was paid for and the lender failed to render a final clear to close. Delays to the loan with no explanation after I delivered all requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00}

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
A check was deposited by my girlfriend and it came back as altered/fraudulent so the bank said they were closing the account. That is fine, however they are holding my funds for 60 days. This is unexceptionable. The funds deposited in the account are from SSDI and are federally protected. This is my only form of income and holding them will cause undo and unnecessary suffering on my part, no food, no gas, no bills being paid, and phone already suspended. If I read the law correctly they must make available at least 2 months of SSDI payments which are direct deposited into account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: 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 a 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 non-monetary relief
Consumer complaint received 2022-10-19 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: MD

Complaint narrative:
Experian is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the 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 explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Back in XXXX I noticed a credit inquiry on my credit report from Upgrade. I have never applied or even had any business with them before, I had to look it up online to see what it was and I noticed it was a credit company that does lines of credit and credit cards. I called them and was transferred to the fraud department. They stated that there was a line of credit in my name and they cant close the account that was opened because they needed to investigate this. I have called multiple times and sent an email with no response back. They have told me they are sending me emails requesting information which I still have not received. I then noticed there was charges on this line of credit that are odd and nothing I have ever spent. I was able to log in to the account with my email and changing the password and I seen charges for a newspaper and then a large purchase for XXXX and The XXXX XXXX. I have never bought or used any of these companies nor do I even know what they are. There was a high balance and then payments were made and then this month I noticed this company took a XXXX $ payment out of my bank account and they had set me up for direct draft monthly to take out payments with my bank account information. I have spoke to XXXX and reported this as fraud on all my credit bureaus. I still need to file a police report but I didnt know that until this week when I spoke with a lady from XXXX. I have tried to speak with the company Upgrade and they are refusing to do anything about this. I really hope this site can help me get this off my credit and settle this fraudulent account. I feel like I am a victim of Identity Theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} JXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00}

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 2022-10-19 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: GA

Complaint narrative:
My information was leaked and therefore my social security is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2022-10-19 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: MOHELA
State: TN

Complaint narrative:
I am submitting this complaint because Dept of Education transferred my loan ( s ) to MOHELA and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have begun my dispute with all of the credit agencies since XX/XX/XXXX. I have sent to Experian my dispute letter along with my Identity Theft report. XXXX and XXXX have removed it from my file however, Experian refuses to remove it. I have spoken to XXXX, XXXX, XXXX and XXXX. They are telling me that it can't be removed. I told them that this account isn't mine and that I have filed a dispute since XX/XX/XXXX. I also told them that by law they weren't supposed to report anything on my credit without my consent and I haven't given them my consent to do so. XXXX told me she didn't need my consent and that XXXX XXXX has given it to them. She told me to go to them and dispute it. I told her that her agency was reporting it. She said that it was verified. I asked her to tell me how it was verified? What number did they call? Who did they talk to? and when was it verified? XXXX says she didn't know. I demanded that it be removed. She said she can't and if I needed to start a dispute, she can assist me. I asked to speak to a supervisor. XXXX was the supervisor who told me that the documentation that was sent was incomplete. I asked how can it be incomplete I followed the instructions on their site? I told also told them that the other agencies had it removed with the same documentation that I provided to them. I told him his agency had a obligation to furnish accurate information in which they are not. He said what XXXX and XXXX does has nothing to do with him. Isn't my consumer report is supposed to be 100 % accurate according to the law? Well, it's not. At this point I am demanding that XXXX XXXX be removed. I was denied a loan for $ XXXX because of inaccurate reporting. In spite of my many letters sent to this agency, I am still having a hard time removing this item from my consumer 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 explanation