vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: CO

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, 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 non-monetary relief
Consumer complaint received 2023-12-01 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: NY

Complaint narrative:
They are still furnishing the same accounts on my credit report to which I don't recognize. They have closed my complaints but have not given any resolution to remove those unwanted accounts on my files.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got pre-approved for multiple credit cards by Capital One and I chose one amongst those to fill out an application. I got denied that very minute. This whole pre-approval technique is one big scam by credit companies. If pre-approval never guarantees approval why is it called Pre-approval? This is so manipulating and I don't see how this is legal in our country. They try to put a soft pillow under your head by saying if you fill out this application you will get a hard inquiry because you getting pre-approved when they are not intertwined and only a mere reflection. I got a hard inquiry on my credit report when I was given multiple cards to choose from as I was so-called " pre-approved '' How is this legal? Someone, please explain to me how it's legal to trick customers into filling out a credit application knowing the pre-approval process doesn't guarantee anything. This is so wrong. The name itself is already misleading. I want my negative credit remark to be removed from my history. I would have never applied if I knew pre-approval doesn't guarantee anything. Why is this program even in the process? Makes no sense. Can someone stand up for us? Stop this scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: CA

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 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 XXXXS-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number  : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it 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 non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WY

Complaint narrative:
Mohela is not counting many of my qualifying payments in the Public Service program as qualifying. I've tried calling them, but nobody answers the phone. Ever. I've written them, and they keep telling me they will respond within 15 days, but they never do. I contacted them in mid-XXXX. It is not XXXX. It has been WAY more than 15 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On Monday XX/XX/, I discovered that someone robbed my debit card information and stole {$470.00} leaving my checking account in the negatives. It occurred in six separate charges from the XXXX XXXX XXXX ( XXXX XXXX ) app. Whenever I order from them, my order always remains under {$10.00} so there is no way that it could've been me. I immediately called my bank, Citizens, and notified them of the fraudulent charges. The bank opened up an investigation and confirmed that the money would be returned once the investigation was completed. I'm writing this on the afternoon of XX/XX/, approximately 9 business days later and I still don't have my money back or an official update from the bank. I called the bank today for an update, and the employee confirmed that the investigation was completed and that they denied my request -- essentially saying that they won't be returning the money that was stolen. I had to open another claim today and now it seems like we're doing this from the beginning all over again. I feel like I'm being penalized for having my money stolen and it feels even heavier now that we're officially in the holiday season when money is tight. 

In addition to NOT returning my money, the bank also denied to provide me with a notarized/official letter which I need to file an official police report ( I was turned away at the precinct ). I went to the Citizens bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where the manager made me wait about 30 minutes to tell me that they won't be able to help me with that. They made me feel bad for even asking for a letter when we all know very well that other banks would've provided the letter without a hassle. 

I feel particularly vulnerable and helpless right now. Every where I've gone I've been met with disappointing " no '' after " no. '' I would appreciate any assistance with this. It doesn't feel right that I have to suffer the consequences of all that money being stolen. 

Thank you and XXXX XXXX. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TN

Complaint narrative:
XX/XX/ my account was frozen because file XXXX XXXX due to job loss.

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 2023-12-02 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: TN

Complaint narrative:
On XX/XX/2023, I mailed to Experian a notice of dispute to reinvestigate multiple inaccurate accounts that Experian failed to previously investigate and correct on XX/XX/2023. Experian did not abide by 15 USC 1681d either. It has now been 2 weeks since Experian has held on to my dispute letter, and nothing has gone into investigation or have undergone the disputing process. I am aware that under the Fair Credit Reporting Act there is a certain period of time the CRAs have to do an investigative dispute when put on notice per 15 USC 1681i ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Experian have been negligent, and it is affecting my livelihood as a result.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XXXX of XX/XX/, i purchased XXXXwo cashiers checks at my local Bank of America branch. I asked the teller about the process if end up not needing one of them. ( one was for XXXX, the other XXXX ) They told me i could deposit them back to my account without a problem. 

I ended up not needing the XXXX one and deposited it in the BofA mobile app using the deposit checks feature. It accepted the images and the endorsement on the check, but placed a 7 day hold on the full amount. 

I immediately called Bank of America and they gave the following explanation : the deposit checks feature in the BofA app should only be used to deposit personal checks. Nowhere does the app display this information during the check deposit process.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in financial history from XXXX XXXX that proves they are not reporting accurate payment history, late payments, and balance. Credit reporting agencies are not considering documents submitted by me or conducting an independent investigation for XXXX XXXX XXXX XXXX that is as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
Key bank in Colorado has frozen my account based on a check they cashed and now won't let me access the account or funds and no one can tell me why it got locked in the first place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XXXXXXXX XXXX XXXX I bought I car from US Auto Sales in XXXX Ga. I was making payments and lost my job on XX/XX/XXXX. But started new job in XXXX and when I called to make payment no one answered and then I just got busy signal afterwards. So I didn't know what to do or who to call. I never received anything about US Auto Sales Closing or transferring loan over to another company. I also never received anything from the other company who taken over for US Auto Sales. So I didn't know where to send payments or how to make them. Then on XX/XX/2023 my car was repoed. The towing company never let me know anything and didn't let me get my belongings out of the car. I don't know what towing company it was and they dragged the car leaving XXXX marks in my driveway. I received a letter on XX/XX/2023 stating that westlake portfolio management stating they will sell my vehicle at private sale sometime after XXXX XXXX on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed on XX/XX/2023, that these two bureaus are repeatedly, reporting incorrect information on my credit report. They have late payments and incorrect balances that have already been removed/updated. 

Account XXXX XXXX should be removed. 
Balance {$2600.00} Accounts below should be updated immediately XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$610.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$520.00} Late Payments XXXX Age of account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$80.00} Late Payments XXXX Age of Account XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account Status CLOSED Last Payment Amount {$1200.00} Late Payments XXXX Age of Account 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 2023-12-01 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: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/13 my wallet was stolen. I got 2 Target credit cards that did not work after i reported theft. On XX/XX/XXXX i called to make a payment and found my account in a negative {$4700.00}. Someone had made a Target credit card online account and paid my account twice. Then charged 2 purchases XXXX with a card i never received. I sent a fraud questionnaire reporting the 2 fraudulent payments and 2 purchases. I am certain this occurence is identity theft. I froze my credit bureaus, i put extra security on my social security and kept calling Target 2x a week for updates. 
My life has been in upheavle. I am a struggling single parent and take care of my mom. 
I have only received 3 letters from them 1 stating that MY payment of {$4900.00} was not cleared ( i never made a payment of that amount ) and another said that Target made a mistake in paying {$4900.00} to my account. They credited the 2 fraudulent purchases. 
Now they said today they will not honor any compromise for all the trouble this identity theft cost me. Isn't it a crime to knowingly allow my account to be exposed to someone else? This person created an online account and paid my balance to then use my information? Isn't Target wrong to not acknowledge the trouble and stress i experienced. I would like to lower my balance and set a payoff amount and close business with Target. 
I have copies of everything. I will not sit back and allow such unfairness to befall me while they pretend reverting everything the perpetrator and themselves did and then tell me it's 'fixed '. 
Please help. I can not afford a lawyer. I know what happened to me was wrong and i was honest to report it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
On XX/XX/ Military STAR ran a credit check with the credit bureau that affected my credit. I did not complete a credit application with this company, nor did I authorize them to complete a credit check. When I called they informed me that I just needed to contact the credit bureau myself. They did not open an investigation into this fraud nor deal with the fact their company processed a fraudulent application in my name which has affected my credit report. 

Application Number 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 2023-12-01 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: MA

Complaint narrative:
See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.

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 2023-12-01 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: MA

Complaint narrative:
See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: MA

Complaint narrative:
See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation