vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have gave Wells Fargo all my Documents that they needed numerous times and spent so much money on faxes at XXXX. I was willing to make some arrangements so I can hold on to my home until my younger XXXX Graduates XXXX XXXX. She is a junior now. Then I would down size and look for something smaller. As, of now, I have been going through some medical problems from the accident I had with my bike a few years ago. I am trying to work from home. I have Interviews this week. I just want to save my home for a little longer so my kids are not traumatized anymore from all the family we have lost. They went through enough. Losing our family home would put a damper on us All. Please find it in your heart to help us with some assistance. I'm willing to work with you guys if you can help my family and myself stay here a little longer. Thank you.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My 2 checking accounts were closed on XX/XX/XXXX  unexpectedly. The letter I received from the bank simply stated they had the right to do so per their agreement. Not that I committed crimes, fraud or any illegal activity. That same day the account was re opened, without my communication or permission. They had already withdrawn my money and disbursed it that day per the transaction history. 

XX/XX/XXXX the checking account was still open and a transaction was processed. 

Ally was also in the midst of purchasing XXXX XXXX which I had an account with. When I went online just now XX/XX/XXXX  to merge the account, I noticed Ally gave me my same credentials I was using when I banked with them. I was not given new credentials for connecting my credit account they purchased. When I logged in using my old credentials, I noticed they still had my checking accounts tied to the log in and showed a negative balance in the checking account that was supposed to be closed XX/XX/2023. 

I am on the phone with them now, and despite them closing my bank account on XX/XX/XXXX with the email proof attached, they are refusing to return the charges and shut the account down.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I opened XXXXXXXX XXXX XXXX  and made minimal transactions, which I immediately paid in full after every purchase made. My last purchase was less than {$25.00} back in XXXX  which I paid in full. Since XXXX I have been assessed {$6.00} every month with {$40.00} late fees and {$99.00} annual fee. I have paid beyond so much in fees totally far more than my total transactions ever made with this credit card. To add insult to injury I was reported 90 days delinquent to the credit bureau. These reporting have drastically lowered my credit score and has decreased my available limit with other creditors. 
I feel I have been punished to the max for a credit card I do not use and do not owe for an actual purchase. XXXX activity since XXXX  I am a single mother that worked hard to repair my credit and I recently purchased a 2 family home. I restored my credit and excellent payment history. 
XXXX  XXXX  who is with the XXXX XXXX XXXX has ruined my credit and have taken substantial amount of money consisting of ONLY fees. I stopped receiving calls and I recently realized I was reported 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I Received my credit report on XX/XX/XXXX and noticed there were hard Inquires that dont have Permissible purposes to be on there. Theses Hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times especially XXXX and Transunion Multiple times they keep Violating my rights Under 15 USC 1684b. Below are the inquiries ( XXXX XXXX ), ( XXXX, XXXX ), ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), I have no account associated with these companies no authorization.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be delete : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on 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 explanation
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

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. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

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

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Transunion, XXXX, and XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Transunion & XXXX did not provide me with proof that the account was opened by me or any information as to why they will not remove the account. 

On XX/XX/XXXX, I submitted additional information to support my claim of identity theft ; including a signed document from the In-patient ( meaning I as a patient was not allowed to leave ) during the time that the car loan was opened in my name. There is no viable way that I could have purchased/ taken out a car loan since I was enrolled in this inpatient clinic at the time. 

XXXX still refused to remove the account and gave me no new reason why- I am attaching completion letter from facility stating that I was in their care during that time, also the police report, and carmax affidavit again.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
For a whole year Golden 1 has paid my mortgage on time. This is a recurring payment that I have made through this credit union. 
This month - I was paid a day early XXXX XXXX. I contact customer service at Golden 1 to ensure my mortgage was paid. To my surprise I received a letter that my mortgage was NOT paid. Now XXXX not only late but I have to double my mortgage payment. I do NOT have double {$4300.00} dollars. This caused me great harm and great hardship. 
Golden XXXX made sure other bills were laid but seemed to have missed the one I called to ensure it was paid. I would have had it paid that say but bill pay wouldnt only allow next day - XX/XX/XXXX. Even though funds were available XXXX XXXX XXXX. XXXX months I received an increase Golden 1 continued to show original pay. 
XXXX. When I received my paycheck I never received a text stating it was deposit instead my account was block where I was unable to log in.

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 2023-09-22 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
first for most I respect and honor our promissory notes to pay Aidvantage. my reason for filing a complaint is, the DEP/AIDV accounts that are XXXX years old are to be deleted permeant. Aidvantage states that I only asked for delinquencies to removed but i demanded more than that I also stated for all accounts over the XXXX-year age limit be deleted. On XX/XX/2023 you received a letter address to you on the envelope but on paper addressed to XXXX about the furnishing of your account data information on me. on XX/XX/2023 an investigation was filed by XXXX. The investigation results came back with the information of Deletion of XXXX DEP/AIDV accounts. On XX/XX/2023 NEW ACCOUNTS were furnished onto my consumer report without my knowledge. XX/XX/2023 another dispute letter was sent out and your Aidvantage invesitgation shouldve sent me results of the invesigation, only one sheet of paper was sent explaining to me nothing of what results came about after my dispute. it was intentional and misleading. The accounts that were furnished on XX/XX/2023 have the same amount of the investigated deleted accounts. you have violated my rights as a consumer FCRA 605 ; 15 U.S.C 1681 ( c ) ; 12CFR 1006.30a. my affidavit of truth is attached to my earlier complaint through CFPB. I appreciate your response, but this response does not legally refute any of my claims in my affidavit. and all documentation to support this claim I have and are attached to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I searched this bank and found no results on XXXX. The body of this letter from Comenity Capital Bank drew red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
When I try to open a Recents credit card with you guys I was denied and the only reason I was given was restricted account. I asked how to restrict it and they said I couldn't because I had a card that you guys charged off several several years ago. This is probably has to do with the time that I experienced identity theft and account takeovers it's many years old and I really think it would be fair to not treat me as a victim and give me a fair chance to apply to a credit card

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 2023-09-22 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: SC

Complaint narrative:
15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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. This ACCOUNTS ( XXXXXXXX XXXX ) ACCOUNT ( XXXX ), XXXX XXXX ) ACCOUNT ( XXXX ) Has violated my 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
Consumer complaint received 2023-09-22 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: SC

Complaint narrative:
15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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. This ACCOUNTS ( XXXXXXXX XXXX ) ACCOUNT ( XXXX ), XXXXXXXX XXXX  ) ACCOUNT ( XXXX ) Has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDUCATIONXXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 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 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Account were not verified with thorough investigation. I have not received verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: MI

Complaint narrative:
Account were not verified with thorough investigation. I have not received verifications.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Why was my account closed when I never verbally asked for it on the call and denied all disclosures? 

On Tuesday evening at XXXX pm, I contacted Capitol One customer support to inquire about my XXXX XXXX credit card account, existing promotions, and the process for closing it in the future. Shockingly, their customer support agent XXXX ( Employee ID : XXXX ), closed my account without my consent. When I requested to speak to a supervisor, XXXX hung up on me. After calling back, I spoke to a supervisor named XXXX ( XXXX ). However, he informed me that once an account has been closed, it can not be reopened. XXXX also revealed that XXXX had asked a back-end employee named XXXX ( XXXX ) to close the account. 

It's clear that they illegally closed my account, and it's evident that this was due to my having over XXXX in miles, which they viewed as a liability. This is why they refuse to reopen my account. This is unacceptable behavior, and I demand immediate action to rectify this issue.

Company response to consumer: Closed with non-monetary relief