vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: GA

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  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2023-05-22 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
During the early morning of XX/XX/XXXX I was robbed, my phone stolen from, locked out of my apple account and left helpless by Apple as someone racked up thousands of dollars on my apple card via tap to pay at Apple stores. 

I initially submitted a claim to dispute these charges back in XXXX of XXXX, and my claims were denied in XXXX. In XXXX I then reasserted the disputes, and this time submitted the police report I filed the day of my robbery. 

On Thursday XX/XX/XXXX, XXXX large charges placed ( charges made on XX/XX/XXXX ) using my phone at an apple store were correctly reversed, but on Tuesday XX/XX/XXXX a charge for XXXX was deemed not fraudulent, with the investigation concluding that no billing error occurred. All XXXX of these charges were made at XXXX stores in a short period of time after I was robbed on the morning of XX/XX/XXXX. 

The charge ( XXXX ) I reasserted this week is another fraudulent charge in a string of fraudulent charges on my apple card that have been correctly reversed. 

On XX/XX/XXXX, XXXX concluded that my XXXX was stolen and honored the theft protection on my XXXX that was used to make these fraudulent purchases ( Claim # XXXX ). I could not have charged XXXX ( XXXX ) to my apple card via an XXXX I no longer had possession over. 

I ask you to please review this charge ( XXXX ) again as I did not make it and would like it reversed, attached below are pieces of information I am submitting as evidence I did not make this purchase. 

XXXX ruled again on XX/XX/XXXX this charge for XXXX was not fraudulent. It occurred at the apple store in XXXX New York on XXXX XXXX. I have reasserted the charge as of XX/XX/XXXX. The new dispute case number for this XXXX charge is : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am never late in this account please remove the late payment remarks! This is ridiculous, there should be no late payment remarks here!

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 2023-05-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX account was report fraud these fraudulent charges on this account has been report fraud a valid police report has been submitted to Equifax as well as XXXXXXXX XXXX XXXX XXXX from has violated my FCRA rights under 15 U.S.C 602 section 8 15 U.S.C. 604 ( a ) section 2 15 U.S.C. 1681 C-2 section c which I demand Equifax to exercise these right as they apply to me. 

XXXXXXXX XXXX is in violation of 15 U.S.C. 1692 f section 1, 2, 3 15 U.S.C. 1692 g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: OH

Complaint narrative:
The credit bureaus... XXXX, XXXX, Transunion have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.. and all that wasn't mentioned! According to XXXX XXXX XXXXI HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.

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 2023-05-22 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: OH

Complaint narrative:
The credit bureaus... XXXX, Equifax, XXXX have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. and all that wasn't mentioned! According to 15 USC 1681..I HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 2023-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hyundai Capital sent the car title to the wrong address. I have been chasing them for over 9 months to get them to issue a duplicate title but they just give me no information on it. DMV refuses to release the title to me without a power of attorney from Hyundai Capital and they have refused to send that. They have provided no help whatsoever despite weekly calls, follow ups and complaints to consumer finance as well. They responded to the earlier complaint on consumer finance with a falsely represented response and have still not solved ny issue.

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 2023-05-22 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: VA

Complaint narrative:
This must be removed from my credit report. I do not own such 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 2023-05-22 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023 I mailed a certified letter to Navy Federal. The certified letter was picked up on XX/XX/2023 at XXXXXXXX XXXX the tracking number ( XXXX XXXX XXXX XXXX XXXX ). I informed them about the inaccurate being reported. It's the same account being reported two times on my consumer report. I have asked them to investigate, correct and delete the inaccurate accounts. Navy Federal continue to send the information back as verified. I sent them copies of my XXXX consumer reports showing they are the same account. I asked them to send contracts I signed with my signature, I have not received any correspondence from them. I called Navy Federal about this problem and was told to dispute it with the Consumer agencies. I told them they have to correct the information first. I could not get any help from them. I asked for the PROCEDURE how they investigated, I want the opt- out disclosures. I requested all correspondence be mailed to my address. Navy Federal has not sent me any correspondence. The two accounts have a balance of {$9300.00}, same open date XXXX XXXX acct # XXXX and acct XXXX XXXX These accounts are not being verified some need to be held accountable for not correcting the information. Other accounts XXXX opened XXXX for {$8300.00} and account # XXXX opened XXXX for {$6400.00} being reported as charge off. Delete these accounts. Charge off are not to be included on your consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

t has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATARC om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. INEVER gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX, the note is in my deceased husband 's name XXXX XXXX. After he passed away and before COVID, I decided to do an assumotion on the property. working with XXXX XXXX XXXX, only to be advised by them to stop paying my mortgage during covid, because those payments will be " place to the back '' once covid was over and the assumption process was complete. Only to recieve a Forclosure Notice. Now please know, I was still paying {$600.00} a month for the lawyer, only to be hung out to dry during the first XXXX apperance, and yes, the lawyer debted my account the same morning and didnt show. Fast foward go back and forth to court trying to save my home working with XXXXXXXX XXXX XXXXXXXX. They hung me out as well. They lawyer did not appear the day the judgement to forclose was entered. I continued to talk to Wells Fargo on my own behalf since. I summitted the paperwork after they stated if could prove my income was adequate enough to be approve for the modification then it would be approved. I summitted new paperwork everytime my income increased so that they could be aware. On XX/XX/XXXX after talking to them verifying all the paperwork to make sure itvwas complete, on the XXXX I recieved a call stating the application wont be reviewed because I was now 3 years deliquent and they didnt have to. I asked why I wasnt informed of this 2 days prior while on the phone with them, I then asked on what date did I become deliquent, she stated on XX/XX/XXXX, I then informed her I summited my paperwork on the XXXX of XXXX, again she stated I was still too late. So this where I'm at now, I HAD a sell date for XX/XX/2023, it has since been pushed back to XX/XX/2023, after I informed that I will be filing a complaint, that I wanted this account to be investigated. I want to know if there has been any wrong doing on this account. Whats sad about this is that I only wanted to do the assumption in hopes of the mortgage being lowered, since my husband had passed and it was on my income now. The mortgage went up from XXXX hundresd to almost XXXX a month. What makes it worse is that that is what the mortgage is now XXXX a month and has been there for 8 months now. As I stated to them I believe defrauding this account was easy be my husband is deceased. And if there is any wrong doing I want to know. Ive made mistakes, mistakes that I am deeply ashamed of while battling XXXX after lossing my husband then while struggling with XXXX again after lossing my job of over 20 years. Im in a better, stronger places now.

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 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I signed up for a personal loan in the amount of {$2800.00} on XX/XX/XXXX. I received {$2500.00} in loan funds on XX/XX/XXXX. I have made payments totaling {$820.00} since receiving the loan funds of {$2500.00}. My current balance owed on the personal loan is {$3200.00} and I have been charged interest and fees totaling {$1500.00}. These interest and fee amounts exceed the state legal limits set by Oregon. The current rate of fees and interest being charged on this account have made it impossible for me to pay off the loan. I called Netcredit to discuss this and ask for at least one of the monthly fees to be waived and was told this was not possible. In addition to submitting this complaint I am looking into joining a class action lawsuit against Netcredit. Our government and the CFPB needs to do better at protecting consumers from personal loans like these -- these should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
I applied in person with 5/3rd Bank for a XXXX XXXX XXXX advertised as low documentation. It requires a Stated Loan Application. My business is located in GA. 5/3rd wanted me to have a GA drives license even though I'm a XXXX  licensed in GA, with a home in GA and a business duly registered in GA. 

XXXX also underwrites the bank and must be cited in this process. 

I applied in person with a bank manager on XX/XX/XXXX at a branch in XXXX, GA. I for the decision XX/XX/XXXX I was told the application goes through firms within 5/3rd and other entities. 

5/3rd did not ask for my bank statements or tax returns. 

I was also told that the loan could be considered if I have a dual driver 's license in GA and XXXX, where I also have a home. This is illegal to have two drives licenses. 

This is a deceptive and misleading loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MS

Complaint narrative:
I submitted a complaint last XX/XX/2023 the companies responded. Some got deleted but there are still fraudulent items on my credit report that's why I submitted a complaint last XX/XX/2023 and XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-05-22 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: MS

Complaint narrative:
I submitted a complaint last XX/XX/2023 the companies responded. Some got deleted but there are still fraudulent items on my credit report that's why I submitted a complaint last XX/XX/2023 and XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-05-22 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: CA

Complaint narrative:
I am demanding that all innaccurate and unwanted personal information be removed. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights

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