vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, and 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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I contacted Jefferson Capital, I'm trying to pay off and on a debt. I was given an option to submit a " one time payment '', if I couldn't pay the above options and others. My account on the website allowed me to submit a lesser amount. I contacted Jefferson Capital to verify the option and they would not answer or confirm the accuracy of that option however it was offered to settle the debt with my own personal offer. The agent insisted I choose the other options ( higher amounts ). The agent was trying to justify and explain but he wasn't making any sense of the option. I felt he was trying to confuse me and con me into paying the other higher amounts. I told the agent I would call back, moments later, Jefferson Capitol locked me out of my account and the message said " my account in ineligible for web service '', only calling was an option. This is deceptive and unfair, now they are not allowing me to log in and view my account to make a payment. They do not want me choosing the lesser amount option and I feel they may alter my account. 

I took screen shots of my account and the options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has stone walled me and refuses to return an item I presented on XX/XX/XXXX for payment at a financial institution. Also I have a 17 year relationship and the bank refuses to disclose the location of debt securities and other notes due to my familys trust on my behalf. Bank of America also allowed XXXX XXXX XX/XX/XXXX and XXXX XXXX to commit fraudulent acts on my accounts from XXXX to XXXX and refuses to pursue the criminals and has penalized me. I have been caused great emotional stress and economic loss. Transactions were timely reported pursuant to federal regulations as unauthorized. Also my draft was not honored or returned in accordance with law and equity. Bank also kept unemployment funds due from state of Maryland and refuses to return or credit.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
I got completely locked out of my NetSpend account on XX/XX/2023. I contacted them to find out why, but they told me they couldn't tell me that information. They told me my account was now under review and I would have to verify my identity before they could help me with anything. I sent them a photo of my driver 's license, but now they want a photo of my social security card and a picture of a utility bill with my name on it matching the address they have on file for me. I don't feel comfortable sending them a picture of my ss card and I tried explaining to them that I no longer live at the address my card was sent to well over a year ago. They told me my account would remain locked until they get those pictures from me. I don't even know why they locked my account in the first place, I actively use my card and I have around {$1900.00} remaining in my account that they are now keeping from me for no reason at all. I have never had any issues using my card or logging on my account before. I don't know what to do, and I need to be able to access my money.

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 2023-04-14 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:
Please delete all of the accounts and inquires below as they are a result of Fraud and Identity theft. I have included the identity theft reports as well. 

Also, please remove all late payment from XXXX. If you look at my XXXX report it's showing no late payments. Please remove all late payments from XXXX and XXXX. This is against the law and my rights. 

Also, I have included a credit report from XXXX XXXX, Myfico, and XXXX. All of these reports show different information from my Equifax report. You are stopping me from getting mortgage loans by continuing to report inaccurate information. Please remove these accounts asap. Lastly, on your own site when I log into my Equifax report, that report is again different from the ones on XXXX and Myfico. This is against the law. 

Lastly I included a picture of a credit report you sent me in the mail that is completely different that what I see on the site. The confirmation number was # XXXX. This truly is against my rights as has prevent me from getting a mortgage and these items need to be fixed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX This company has my personal information an I did not give this company consent to keep my personal information in their system. This is a formal notification to this company that I do not give permission for this company to have my personal information. I am giving notice to this company that they must immediately delete my personal information from their files. Also please be aware that holding or freezing my account does not update my credit report/file. I have requested that all my personal information be deleted from this company database/file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX This company has my personal information an I did not give this company consent to keep my personal information in their system. This is a formal notification to this company that I do not give permission for this company to have my personal information. I am giving notice to this company that they must immediately delete my personal information from their files. Also please be aware that holding or freezing my account does not update my credit report/file. I have requested that all my personal information be deleted from this company database/file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent inquiries

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 2023-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was attempting to get a pre-approval quote from Chase because on the website it stated I can run a pre-approval without doing a hard inquiry credit pull. After doing the process they sent me a loan approval for {$28000.00} at a 7.09 % APR for 72 months. This occurred on XX/XX/23 I checked my credit score and they did in fact run a hard inquiry on me. I gave no authorization for a hard inquiry pull and I never even used the loan for a vehicle. I called Chase Customer service several times and talked to several people and no one was able to give me a solid answer. One said since i did it online there is nothing they can do. Even though i advised it was only a pre-approval process not for an actual loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XXXX XX/XX/2023, at XXXX, I received a call from a gentleman who stated hes from the office the XXXX and this call is being recorded and I responded that I am not worried about it. I let the gentleman talk and he goes on to say that USAA was not responsible for the pass hard charges from the other auto agencies but he was finished, I told him that USAA was the cause of the ripple effect that caused the embarrassment and humiliation that my family has suffered. As well I explained to him that it was the lack of complacency or training that the representative had which caused the problem. He responded by saying that neither him or USAA could make any promises of granting me the loan if I refinanced but said that they overturned the credit check after his representative made the mistake. I responded to him that USAA made the mistake and have not apologized for making the mistake or making any attempt to make the situation right. I also responded by saying that I do not think that USAA will intend on making this right by me but hoping it will just go away. I told him that to continue this conversation is useless unless they are will to do more for the veteran instead of XXXX them over. I also said that I did not make the mistake and I did everything that I was instructed to do by other representatives even up to the point of being at being at the table to make a purchase and being embarrassed by USAA! Again it was to no avail if not getting a resolution! I asked does he have a boss and if this could be presented to a them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter from BOA in regard to a denied credit application. This was done without my knowledge. I called and spoke with a person in the BOA Fraud Department. I was assured that BOA would notify the 3 credit bureaus of this fraudulent activity. In addition, I placed a security alert on my credit file on XX/XX/XXXX. As of the date of this complaint, this inquiry is still showing on XXXX. 

On XX/XX/XXXX, I called BOA to inquire and was told since it was over 6 months, I needed to take this up with XXXX. And because there was no credit extended to me, BOA could not provide me with any documentation. I called XXXX and they said they could not help me unless I filed a complaint with FTC.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XXXX XXXX Last 4 of XXXX Date of birthXXXX Application Date : XX/XX/XXXX Recently, I, XXXX XXXX, submitted an application for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and subsequently received notice of approval for a credit line in the amount of {$4000.00}. However, following the submission of my application on XX/XX/XXXX, I was notified that additional verification was required. On XX/XX/XXXX, I called in and spoke to a representative with a nasty attitude we verified some info and they informed me that I had been approved for the credit line. After that I get an emailed stating that they could not approve me due to them unable to verify my identity, to which I called back representative, spoke to the same representative. They said that the reason for the denial was because I had made multiple applications for the credit line and they stated that my first original application had been approved but the second had been denied and that was the reason for the denial, I responded by saying that I never made more than one application made only one application, and they must've been a mistake on your end, and they responded back rudely saying that there was nothing that they could do. So I was approved for the credit line, accepted the credit line, and then authorized a hard inquiry on my credit report, and now all of sudden I have been denied for the credit line. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). I feel as though Citizens Financial Group Inc. has violated my federally protected consumer rights. 

1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated is both proof and evidence that I have been discriminated against, you are also criminally liable. Citizens Financial Group Inc. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
While at basic training for the XXXX XXXX through XXXX, XXXX XXXX XXXX XXXX sent my title to navy federal credit union XXXX XXXX XXXX It was apparently lost in the mail and so XXXX refused to get another title for me. They would only send a application for duplicate title and lean release to navy federal which navy federal would then send to me and have me get another title and return to them. Since I was at basic training while this happened, Navy federal increased my interest rate from 5 % to 15 %. I have conducted hours of phone calls to get those documents sent over to navy federal where XXXX has lost two documents and continuously refused to help me further. Navy federal is refusing to assist me with the extra interest i have been paying, even though none of this is my fault. XXXX has stated they sent the document in XXXX, XXXX, XXXX, and XXXX. However, to my knowledge only XXXX documents have been received. I have been paying hundreds of dollars in interest over 4 months trying to get this sorted out. XXXX is refusing to get a new title themselves and is requiring me to pay the filing fee for the duplicate title application. The biggest issue being I live in washington now with my vehicle but the car is still registered in Hawaii. Therefore, I have to mail all documents to Hawaii DMV in hopes they process everything correctly with navy federal as the new lean holder and get the title back to me. I have been attempting to get this sorted out for 4 months and no one has helped me on either end to get this sorted out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: KS

Complaint narrative:
I am a victim of identity theft

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-04-14 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: IN

Complaint narrative:
Unauthorized inquiries on transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Thank you for taking the time to read this. XXXX, XXXX and XXXX of XXXX I had missed payments resulting in affects to my credit reports on all 3 bureaus. I missed these payments due to being XXXX to XXXX on XXXX XXXX military status. I requested a goodwill forgiveness for the missed payments and it was granted on XXXX only. I am pleading with you to remove the missed payments and the deragtory remarks on all 3 credit bureaus, as I am trying to fix my credit to buy a house now that I am medically XXXX  from the XXXX. Please consider changing the status of missed payments as a goodwill gesture as I have never missed a payment aside from these 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete fraud alerts and extended fraud alerts from all three bureaus TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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