vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: PA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit One LLC
State: NY

Complaint narrative:
This loan was taken out in XXXX. I lost my job and could not pay it has been on my credit for over nine ( 9 ) year. I disputed the loan with the original creditor Marine Financial after XXXX years the company sold it to a collection agency XXXX XXXX XXXX who is now saying that this was open in XXXX, which is not true! this was open in XXXX. I do not owe this collection agency any money they have nothing with my signature stating that I borrowed any money from them. This was removed from my XXXX but remains on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Hyundai finance hired XXXX XXXX XXXX who hired XXXX. XXXX to reposess my car on XX/XX/2023. They realized after XXXX hours their was incorrect info on the paperwork and returned the car with damage from being transported. 

On XX/XX/XXXX XXXX. towing fixed the damage on the car. 

I called hyundai on XXXX XXXX to see if the issue with the paperwork was fixed and how this even happened. They could not tell me and offered to terminate my lease without fines or penalties and told me it would be done approximately by Monday or Tuesday XXXX XXXX. 

I called 5 times before being able to speak with the rep handling it only to be told it would take more time and none of this could be documented in writing to ensure they would follow the new timeline promised or the stipulations verbally agreed too.

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 2023-08-29 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 XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America open an account in my name and refused to tell me what location. I found out through 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 2023-08-29 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: NY

Complaint narrative:
Recently I saw a late payment on my Experian credit report from XXXXXXXX XXXX that I do not recognize. Transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected. Aso this is not reporting on XXXX on XXXX for this same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a checkings and savings account with Ally bank and transferred in {$180000.00} from my XXXX  XXXX XXXX Checkings to Ally Checkings and then Ally Savings. Then, I wanted my money back in that very same XXXX  XXXX XXXX account. I moved it all back from Ally Bank Savings into Checkings. Since they did not allow more than {$10000.00} in transfer at a time, I hade XXXX separate transactions back to my XXXX  XXXX XXXX. They locked me out of my account while the transfers are in limbo and I no longer have access to my life savings. I am utterly distraught, worried about whether I can keep up on payments. They refuse to unlock my account despite verifying my identity 6+ times over the last two weeks as they do no reveal details of the " investigation '' they are conducting. I have been provided no ETA of when this matter will resolve. Most bank accounts will just unlock your account same day weeks but I've been sitting in near poverty for almost XXXX weeks. 

Lastly, one instance I called someone, verified my identity with SSN, security questions, etc and the caller asked me if I am the owner of the account to which I responded " Yes ''. They then promptly said they will disconnect my line because I am not the owner of the account. This sounds so scummy and fishy!

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 2023-08-29 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: GA

Complaint narrative:
I am submitting this complaint to TRANSUNION due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated 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 non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Over thirty days ago I wrote Credit Corp Solutions asking to validate the alleged debt and as of todays date, Credit corp has not responded to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX check was stollen from the USPS post office on XXXX XXXX. 
The person who stole the check deposited it via mobile deposit into his account at Bank of America on XXXX XXXX. The check was written to XXXX XXXX XXXX for {$6300.00} as payment for my property tax. Bank of America deducted the funds from my XXXX account even though the payee did not match the depositors account. I filed a claim with XXXX on XXXX XXXX. I was unaware of the fraudulent deposit until XXXX XXXX of XXXX contacted me about late payment to my property tax bill on XXXX XXXX. 
I have been in contact via phone with XXXX Customer Claims Department every month since the complaint filing on XXXX XXXX. They have stated that they are in contact with Bank of America who has acknowledged the claim and is working on a resolution. 
It has been XXXX months and there has been no resolution or return of my funds. 
Today I received a letter from XXXX stating that if they do not hear anything from Bank of America within 90 days of the claim submission they will close the case and my funds will not be recovered. 
I have filled a police report with the XXXX XXXX, CA police department and with the United States Postal Inspection Service and have not received any information from them.

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 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
At first, our account was frozen with no information given as to why it was frozen. 
After hours of work with the bank, the freeze was removed, but no explanation given. 

Now, we have been waiting for a check to clear for over {$700.00}. It was a mobile deposit made on XX/XX/XXXX. It cleared the bank of the sender of the check on XX/XX/XXXX. I have received notice that the hold was extended at least through XX/XX/XXXX ( XXXX months after the mobile deposit ). 

I was on the phone today, XX/XX/XXXX, asking for more information and expressing a willingness to talk to any department that could clear the check. No information was given as to why the check is being held ; and there was no other department or person I could talk to that could give me more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint to BANK OF AMERICA due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies and violations of consumer protection laws that have significantly impacted my credit report. I am seeking your assistance in rectifying these issues and upholding my legal rights as a consumer. 



ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  DATE OF BIRTH : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX Creditor : XXXX XXXX Violation : Inaccurate Reporting under 15 USC 1666B Creditor : XXXX XXXX Violation : Inaccurate Reporting under 15 USC 1666B XXXX OF BIRTH : XXXX CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I assert my rights under applicable consumer protection laws and regulations. Specifically : Violations of 15 USC 1666B : I have identified instances where late payments were inaccurately reported despite my consistent adherence to payment terms. These actions are in violation of the aforementioned statute. 

Unauthorized Inquiries : Unauthorized inquiries were made into my credit report without my consent, violating my right to control who accesses my credit information. 

These violations have negatively impacted my financial standing and have caused undue emotional distress. I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and ensures that the relevant creditors take immediate corrective action. 

I kindly ask that the unverified and inaccurate accounts be removed from my credit report. This will allow me to restore my financial standing and pursue a brighter future. 

Enclosed, please find supporting documentation for my claims. I am fully committed to cooperating with any investigation or inquiry that may arise from this dispute. 

Thank you for your timely attention to this matter. I eagerly anticipate a resolution that will alleviate the burdens I have endured due to these inaccuracies. If further information or clarification is required, please contact me at [ your email address ] or [ your phone number ]. 

Sincerely, 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed information and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-08-29 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: UT

Complaint narrative:
I do not have all the dates, but it has come to my attention that frequently my recipients in XXXX do not receive the full amount due to a XXXX XXXX  imposed by XXXX on foreign money transfers. I requested that Western Union provide me with the information on how and when this tax is applied, but they could or would not. This may not be their obligation, but if I understand the following information found on your website correctly, it is the obligation of Western Union to alert me when these taxes have been withheld form the final amount. 

" Receive the following information about your transaction both before you pay and after the transfer is sent : '' " Amount to be received ( In some cases, a recipient may receive less due to fees charged by the recipient bank and foreign taxes ) '' This is found on the webpage " Sending money to another country '' on the Consumer Financial Protection Bureau Website. 

Western Union does provide the disclaimer " For all transfers, Final Receiver may receive less due to foreign taxes. '' But this does not satisfy the requirement to alert the consumer of the " Amount to be received '' both " before [ he or she ] pay [ s ] and after the transfer is sent '' As I was never alerted by Western Union that the amount was withheld from my final amount, I believe them to be in direct violation of this legal obligation.

Company response to consumer: Closed with explanation