vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: AZ

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
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy

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 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of the West was sold to BMO Harris. My wife won custody of our RV when I didnt have the money to pay the loan. The bank refuses to take my name off the loan even though the debt is legally no longer mine. We ( me and my ex ) both provided them the divorce decree and theyve refused to take me off the loan, demanding that my ex refinance the loan so they can earn more money. I should not have to carry {$110000.00} loan on my credit report when I am legally no longer responsible for this loan. Please advise. Many thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
RE : 15 U.S. Code 1681b - Permissible purposes of consumer reports To Whom it may concern.. 

Company : Acima Digital FKA Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( XXXX, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you ( Acima ) authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company Acima can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report XXXX, XXXX and XXXX. 

I have been damaged as a result of your failure to follow the law I am requesting the DELETION IMMEDIATE of ( the creditor mentioned above ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Recently I found out a credit card was opened XX/XX/2024 in my name through my social security number with my date of birth. They have built up charges just from using it overtime the address or phone number linked to the credit card arent mine unfortunately & Ive never owned a credit card or bank through capital one or owned a credit card at all I just tried to sign up for one and got declined.

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

Complaint narrative:
XXXX and Equifax is not reporting the correct balance. The other consumer reporting agencies are and XXXX is preventing my accurate score from reporting if they are not reporting the correct balance. I am seeing the same pattern with other accounts thats reporting to XXXX.

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

Complaint narrative:
To whom it may concern at credit card disputes department, My name is XXXX XXXX My social security number is XXXX On XX/XX/XXXX I applied for a Citizens Bank credit card ONCE. 
On my XXXX Credit report it shows TWO hard inquiries on the same date of XX/XX/XXXX please have ONE removed because is a duplicate mistake! 
My number is XXXX if you have any further questions. 
With gratitude, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I opened a checking account with First Horizon Bank at the XXXX XXXX NC branch I believe on XX/XX/year> I was promised a promotional bonus after having a direct deposit of {$1000.00} or more deposited into the account within the first 90 days A social security direct deposit was made within XXXX weeks of {$2400.00} I now have {$5400.00} in this account It is a checking account At the time of opening the checking account I asked for provisional checks and was told the bank does not provide them. How can a client have a checking account and write checks when they are not given any checks??? I have never heard of that in XXXX years of banking. Next I asked to establish an online account and asked if they had ACH transfer options to external bank accounts. I was told they did I immediately set this up with my XXXX XXXX Account I recently tried to transfer {$2500.00} to my XXXX XXXX account via an ACH transfer and found out there was a {$250.00} maximum limit on ACH transfers. I was shocked. I never heard of such a ridiculous limit especially given the fact that I have no checks and a {$5400.00} balance. I called customer service and requested an increased limit It was denied I called the local branch and was told they would increase the limit That has not happened It is inconceivable to me that this bank has effectively confiscated my money and put a limit of {$250.00} on what I can obtain I am XXXX. I requested that they send me a check from my account. They refused. They said I would have to come to the bank in person to make the withdrawl even though it is almost a XXXX mile round trip. I said I would fax a signed request and they refused to accept that In essence they have restricted my ability to obtain my own money I believe this is blatantly illegal and that they should be sanctioned and penalized This is egregious conduct for anyone yet alone for a XXXX and XXXX individual

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

Complaint narrative:
All I wanted was the documentation that was provided to the credit bureaus from the bankruptcy court giving them permission to place any public record in my credit report. The law states only the original creditor can report an account to a consumers credit report and not a 3rd party. These companies are also violating my consumer rights to privacy pursuant to 15 USC 1681b 2. These companies have no permission to report anything using my info pursuant to 15 USC 1681 4.The credit bureaus are admitting to using 3rd party information and that is considered fraudulent and against the law

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 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I opened a Bank of America checking account at the XXXX branch ( XXXX XXXX ). 

I have made numerous low dollar amounts ever since ( for example, depositing cash at the ATM, making online purchases through XXXX, and making one or two XXXX transactions, as well as making day-to-day normal purchases such as coffee, food, and groceries. 

On XX/XX/year> I reported an ATM malfunction owned by the bank. I attempted to deposit {$2000.00} in which the ATM accepted only {$200.00} of the bills and never returned the rest to me. By advise of a branch employee, I called to file a claim and reported the ATM malfunctioning. I was told that everything should be resolved by XX/XX/year> so I have waited. 

Today, XX/XX/XXXX, I was on my way back from a trip to take my car out of the airport garage in XXXX XXXX XXXX. I live in New Jersey. When attempted to pay to get to the airport, my debit card got declined as well as my online access got locked. I found a local branch in XXXX so I stepped in to get it fixed. 

To my extreme shocked, the bank employee as well as the manager told me that the bank decided to close my account and couldnt give me a reason. I asked all questions related to this but to no avail. I cried when they told me I cant even get the rest of my balance in cash and left me stranded in a foreign city, away from home and with no ability to get my car out of the airport garage.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I mailed certified letters addressing credit reports had a wrong social security and laws and statues for reporting under TILA. 

Ceritifed mail letter number XXXX XXXX Sent to XXXX XXXX at 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 2024-08-08 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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

Complaint narrative:
After going through my credit profile I realized there were some inquiries that are not mine.

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 2024-08-08 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I know I always pay on time. I am sure of it. I don't get why this company says I'm late sometimes. Under USC 1666b, mistakes in billing should be fixed and shown as paid 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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I know I always pay on time. I am sure of it. I don't get why this company says I'm late sometimes. Under USC 1666b, mistakes in billing should be fixed and shown as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I received a letter dated XX/XX/XXXX that my student loans were discharged and that i would receive a refund. I did contact Nelnet on XX/XX/XXXX who stated that I needed to contact federal student loans. Also, My payment history was wiped clean but i do know that about {$6800.00} should be refunded. The rep also confirmed this should be by check but could not tell me the exact amount. Just to add up my payments and thats the amount due. I contacted Student aid who stated they do not have this information and that in fact Nelnet has the payment information. Since then both organizations have blamed each other but no one will tell me when my money should be mailed to me or how much. I have emailed several times and i receive an email stating that the turn around time has been increased. I have submitted a complaint on the student aid website and all attempts made have gone cold as no one will answer this back. I would like to know when I would received a refund since under Borrower Defense, my application has been approved for full discharge. But I am getting the run around and no answers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
Western Alliance Bank reported the late payment on XXXX, XXXX, XX/XX/2023 to all 3 credit bureaus for all three loans ( Loan # XXXX, XXXX and XXXX ), while those three months were the review period of mortgage assistance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is a XXXX XXXX Account that is currently on my credit history that is not my account. I have worked for numerous hours with TransUnion ( Credit Reporting Company ) and XXXX XXXX to get this matter resolved. Both companies have given me no help even though XXXX has confirmed I have no account that is in default or should be in collections as indicated on my credit report. This has resulted in my credit score being over XXXX now XXXX. HELP NEEDED

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 2024-08-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
My Wife passed away on XX/XX/XXXX XXXX. She had a lease with BMW which was due to expire on XX/XX/XXXX. On XX/XX/XXXX I contacted BMW to make arrangements to end the lease and have the car returned. I was aske to supply documentation which included, copy of her death certificate, Copy of my drivers license and copy of her will which I faxed to them. after XXXX weeks I did not receive a response so I resent the documents via certified mail on XX/XX/XXXX. Again. No response, again I waited after noting they had let the mail sit at the post office until XX/XX/XXXX. I called the office again and was told they never received the documents. This is a lie as I have documentation to the contrary. After a heated conversation I was asked to send the documents via email which I did on XX/XX/XXXX. 
Again no response. On XX/XX/XXXX I went to the local BMW office, caused a scene and demanded they pick up the car and refund the {$450.00} payment they took from our checking account on XX/XX/XXXX. They still didn't pick up the car until XX/XX/XXXX. A full XXXX Weeks after contact with them on XX/XX/XXXX. They are still claiming they did not receive the documents and are refusing to talk to me to settle this case. I am turning to you as well as the XXXX  for help in resolving this issue and to re-coop the {$450.00} they charged our account in XXXX. It's difficult enough to find your way through the grief of loosing a spouse of XXXX  years, but to be treated this way by BMW is beyond inhumane. 
Thank you in advance to any help you can offer, Sincerely, XXXX XXXX

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

Complaint narrative:
Credit inquieries that I did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account name : COLLECTION Account number : XXXX Account name : COLLECTION Account number : XXXX

Company response to consumer: Closed with non-monetary relief