vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting actXX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX, 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 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank refuses to order money in increments larger than {$2000.00} so I can withdraw funds

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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received an alert that two inquiries were placed on my credit report by : XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I do not recognize these accounts. I did not apply for any new 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 2022-08-18 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:
The list of accounts has violated my federally protected consumer rights to privacy of confidentiality under 15 USC 1681. XXXX XXXX XXXX  account has violated my rights.

15 USC 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 2022-08-18 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: NC

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NC

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-18 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: One Source Technology
State: CO

Complaint narrative:
Reported information to a Perspective employer that was more then 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have been trying to get this company to give me an itemized billing statement about the debt they claim I owe and they continue to give me shady responses, prolonging the process. I have sent numrerous letters to the creditor and they respond by stalling or sending me in circles. The last letter I sent was in XXXX and they responded with a letter stating verified but there is no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-18 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: CA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-08-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite the fact that I have disputes them countless times at Equifax, and also have filed numerous complaints with XXXX University, they continue to report the status of my two loans as actively 120 days delinquent. These two loans have actually been closed for nearly four years by now. They are doing this maliciously, so that these accounts will suppress my credit scores more than they should. The Fair Credit Reporting Act promises that all individuals can have an accurate credit report. But XXXX University continues to violate my federal rights by reporting my accounts as 120 days late, as opposed to closed 4 years ago. And furthermore, Equifax is also complicit in allowing this falsehood to continue. The account numbers in question are XXXX and also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I find that my consumer file is being irresponsibly tampered with. Since XX/XX/2022 my credit score has not been updated ; and I have made several attempts to remind Experian of their duty pursuant 15 USC 1681.

It appears that Experian is intentionally and willfully being neglectful in remedying my affairs.15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have attempted to have these errors corrected on my consumer report twice via certified mail, and once by phone. The errors that I need corrected immediately, is my correct name, address, and a collections account deleted. 

On my phone call with Experian, I was provided with a case number which is XXXX to update my current address and my correct name. They have told me that the collections account was deleted, but it's still showing on my report. I have also sent them my drivers license and social security TWICE. I know they have received it because both times, because they notified me on their website 24-48 hours after I sent off the mail.

15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must promptly be removed. I can see in my Experian inbox a notification that says the collections account was removed, yet my credit report has still not been updated therefore the negative account is still on the actual account. I have a credit report with all 3 bureaus as well, and the Experian portion is completely blank and has been like that since XX/XX/2022. I have screen shots and tracking numbers to back up everything I have claimed in this letter, and I demand my credit report is updated IMMEDIATELY as it is effecting my livelihood severely. Please let me know if you need my current name and address, and the account numbers involved. 


Best Regards, 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 2022-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Dir FDIC : I am writing to report a bank transfer case. 
I initiated a transfer {$20000.00} from XXXX XXXX ( routing number : XXXX, account number :?, phone : XXXX ), a division of Texas XXXXXXXX XXXX to XXXX XXXX XXXX bank ( routing number : XXXX, account number :?, XXXX ), a New York Community bank division, in XXXX XXXX XXXX XXXX XXXX  website, on XX/XX/2022. XXXX business days passed, I can not see the money in the both banks websites. I have contacted the both banks many times since XX/XX/2022. XX/XX/2022, I contacted the both banks again. The XXXX XXXX  said they sent the money on XX/XX/2022, XXXXXXXX XXXX XXXXXXXX bank should have received the transferred money ; howeverXXXX XXXX XXXX XXXX XXXX said they never received the transferred money today. The both banks told me to contact the other bank. Please investigate this case immediately. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an alert that two inquiries were placed on my credit report by : Bank Of America - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 I do not recognize these accounts. I did not apply for any new 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 explanation
Consumer complaint received 2022-08-18 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: TX

Complaint narrative:
The list of accounts has violated my federally protected consumer rights to privacy of confidentiality under 15 USC 1681. XXXX XXXX XXXX  account has violated my rights.

15 USC 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 2022-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I'm filling a complaint against wells Fargo mediation program for violating my rights some one stole my wallet with my personal information wells Fargo had a mediation some one pretending to be me so they sent me a form to fill out XX/XX/XXXX and I did the reason is I opened a account at wells Fargo a white female told me u get XXXX own a promotion when u open account up so I did I never got no paper work explained about over draft fees the XXXX said don't go through drive thru because the bank teller hate XXXX so I went to the ATM machine no money came out I got over draft charges for XXXX dollars and some XXXX in they branch open another account in my name I spoke to a mediator XXXX XXXX she gon na tell me all u XXXX sounds a like I'm seeking mediation for XXXX dollars they not right I'm a human like they are

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 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS BPO LLC has violated my right protected by the FDCPA with multiple violations. 
i sent my dispute letter thru certified mail tracking # XXXX. Requesting debt validation. I have not received any return mail from MRS BPO LLC within 5 business days of receiving my dispute to acknowledge that they have my request and are investigating the issue and or any documents to verify the debt according to 15 U.S.C 1692g ( a ) " contents of debt '' they have failed to do so and is grounds for removal. Also they violated 15 U.S.C 1692g ( b ) '' disputed debts '' for they have furnished the account to XXXX and XXXX without the debt being verified and validated. they also violated my rights 15 U.S.C 1692 b ( 3 ) for they reported it to XXXX and XXXX 15 U.S.C1692 b ( 5 ) on the content of mail they sent me furthermore the account information being furnished on my credit report has inaccurate dates open, high credit this is also grounds for removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Cascade Capital, LLC
State: AR

Complaint narrative:
I've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place.

What I demanding right now is that the company delete this account/report immediately within 4 days.

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 2022-08-18 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: AR

Complaint narrative:
Experian has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! ( Please see form attached ) Due to your company 's negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to block and delete this inaccurate information

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 2022-08-18 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: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I had a Banana Republic credit card from Synchronicity bank with a {$500.00}. dollar credit limit. I had a balance of under {$200.00}. and attempted to pay my balance off by phone over 6 times. Then they closed my account after many late fees and interest and reported my account to the credit agencies.

Now I am unable to get a Care Card for medical expenses due to their unfair practices. I was happy to pay the balance but have since charged off the account during the sars-cov2 pandemic. 
Thank you, 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