vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX appeared on my credit report it should not be on there via : 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( i ) conduct an investigation with respect to the disputed information ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( ii ) review all relevant information provided by the consumer with the notice ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : If this is a chargeoff, according to the IRS publication a charge off is income chargeoff is a certifcate of imdemptment. I did not receive a XX/XX/XXXX( to cancel this debt ) and income is not reported on a 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 2022-12-28 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: AES/PHEAA
State: NY

Complaint narrative:
I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no XXXX or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX, XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good day, I mailed my rent check # XXXX in the amount of {$1900.00}. My building management advised me that they had not received the check. I checked online with my bank, Capital One. I found that the check was endorsed not by my building management company, who stamp the backs of all received checks, but by an individual, obviously a thief, XXXX XXXX XXXX, printing his own name, which does not match in any way, shape or form the name of my building management company. 

I contacted Capital One and received a Complaint # XXXX ( issued by XXXX ) It has been a week and when I called back, I was told by the first operator ( XXXX ) that there are no notes and thus, no action has been taken. After requesting one, a Capital One Manager ( XXXX ) then got on the line and claimed that they must wait for the other bank to respond. 

I have been given no time frame for when I will my money will be returned, though the fault clearly lies with the banks. While the initial cashing bank was foolish in accepting the fraudulent endorsement, my bank was doubly so for honoring the check. They did not question the endorsement, though it does not match any endorsement stamp of my building management company, let alone not matching the name to whom the check was written. 

I have been fobbed off with assurances that the bank must follow their " processes '' but I am never told what these are, how long they will take, or who is handling the matter. To honor a check with a manifestly fraudulent endorsement is obviously not best, nor legal, banking practices. This is clearly a mistake, or the shoddy training of their employees, shared jointly by the two banks. My money should be instantly refunded and then the two banks can duke it out over which is more at fault in this matter. I should not be held responsible for their ineptitude. I need that money. Clearly the bank thinks it is a significant amount to warrant their not instantly refunding me the amount...

The responses I have received from Capital One have been desultory at best, ill-informed and non-committal. I have to chase them rather than being updated by the bank. This is unacceptable and I wish the matter looked into and that any charges applicable be brought against the banks, especially my own, Capital One.

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 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: PA

Complaint narrative:
I went to a car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no purchase was made No consent for this credit run XXXX XXXX XXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXXXXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX- no consent and nothing opened FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: Global Credit Union
State: ME

Complaint narrative:
I was sent a check for what I thought was a business deal. I made transactions with funds from this check, having funds available at the beginning of XXXX. On XX/XX/XXXX, there was a stop payment placed on the check, causing any transactions to not go through, and causing my account to go negative, which I have not been able to catch up on. The check was from Alaska Credit Union, written from the account of XXXX XXXX  for {$15000.00}. I have attempted to obtain funds from this check, to no avail. The credit union would give me no information as to why a stop payment was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: WA

Complaint narrative:
It seems that things I try to buy online randomly get block/denied even if I have enough money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an email that said my application for XXXX XXXX XXXX XXXX XXXX has been approved, which I have not applied for. I sent an secure message to Chase, and have not received their reply for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, two hard inquiries were completed to my credit. A credit card was opened through XXXX for the XXXX XXXX XXXX. Another application for a credit card for XXXX through XXXX XXXX  was submitted. According to XXXX a card was never opened. XXXX was able to close the account. Experian was notified and able to begin the dispute to the inquiries. Experian requested that I submit a report to FTC and upload the report under my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A checking account was opened without my knowledge or consent using my name, XXXX, and address in late XXXX. I was notified of the fraudulent account and called Bank of America right away to inform them that I did not request or want a checking account with them and was told that they opened up a fraud ticket and provided me with a claim number. I followed their instructions for contacting XXXX XXXX, XXXX, and other creditors and even called my local police department to open an investigation at the urging of Bank of America. Following their process I filled out paperwork, took myself and my ID ( photo ) and my passport and social security card to the local Bank branch and they faxed it into their fraud department. Since then I have gotten a debit card, and bank statements sent to my home for the account that I asked to be closed 2 months ago. I am starting to feel this is some sort of internal fraud within Bank of America itself. Similar to XXXX XXXX XXXX XXXX  XXXX I am looking to have this account closed once and for all. I have had to jump through so many hoops to prove I am me to close an account that never should have been open! Why was all this ID/passports/SS cards required to open the account?? Further every time I try and call the Fraud department they never answer the phone and the automated system hangs up on me. I have also tried calling other departments and they can't assist as the Fraud department has put some sort of marker on the account preventing its closure!! This is bad business and fraud on all level. Please HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: OneMain Finance Corporation
State: KY

Complaint narrative:
The car is paid off and ONE MAIN will not send the release of XXXX. Instead, ONE MAIN sends me repossession letters again. Ive already had them repo the car. The letter clearly stated pay the full balance, not just past due balance, or were selling your car. If I have the car in my possession, that means they gave it back to me. That must mean I paid it off. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased an on line golf instruction video. The company wrongly added additional services I never asked for. I received a bill and noted these additional charges. I called and had them removed, and even had a reference number. I never got a bill from US Bank again but I logged on to the account to check. This is when I found out that the golf company never removed the charge. I also found out that I never got a bill as I was now on " paperless '' payments with US Bank. I was never on paperless billing and have been paying bills for years. This I never knowingly requested, nor was I aware of this change and I had never begun the process of changing over to paperless banking. It is quite elaborate and one has to submit a routing number to a bank, etc. I called US Bank and discussed my concerns. I gave all the information about the on line golf company, including the reference number. The US Bank rep noted I may have " clicked '' on something when logging in to US Bank that changed my billing preferences. I pointed out that when I was logging in recently, I may have inadvertently checked request for paperless banking. That was how the on line page was set up. I requested she send a note to their IT dept, and clarified I did not want paperless billing. I went to a US Bank office and paid the bill in person.US Bank sent a form requesting the same information as I gave over the phone. However, When I received the letter it was " Due '' three days later. It was going to be late. They said they never got it and so, could not reverse the refunds for the late fees, etc. US Bank has all the dates and information. If they deny it, they are lying. They lied about me requesting " paperless " banking and changed their on line form. I, with my wife present, logged back in since and had to actually search for the page requesting paperless banking, so there is no way I did this before. Their page setup had been changed on line, so a person might click on this choice in the very beginning. Same un ethical practice as XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
Hello, I received a call from my XXXX XXXX XXXX grandfather that I received a piece of mail for me about a week before XXXX around the XXXX of XXXX, 2022. Having received a few pieces of junk mail in the past due to co signing on an auto loan many years back, I didn't rush to go pick it up. In fact, he called me a few days before XXXX to let me know that there was another letter that he received for me. I told him to bring them with him on XXXX eve to our family gathering. 

Flash forward to XXXX XXXX, my grandpa brought me a big envelope from a law firm called Stenger & Stenger from XXXX XXXX, MI. The other letter was from my local city Municipal Court. 

The law firm envelope had the entire lawsuit laid out in the envelope of a debt that I do admit I do owe money too. The very top document in the envelope was a Motion for Default Judgement against me essentially stating since I have not responded to the court documents issued on XX/XX/2022 that I should have a default judgement be made. 

The Municipal Court letter was to show that on XX/XX/2022. The Motion for Default Judgement was approved and now I owe them all the money and they won the lawsuit including court costs and a 3 % interest rate. 

My issue with this is that I've lived at my same residence for over the past decade. The company they are representing is XXXX and we lived here when this debt was incurred. How shady is it that when legal documents are issued, they sent info to the courts, not the address that they had on file for me, but to my XXXX XXXX XXXX grandfather 's address. Seems like they didn't want me to get these documents to be able to plead my case. Instead now I'm facing a judgement on me from the court system and it will be on my credit report that I have been working hard to get my score up on. 

Sad part of all this is, if they would have reached out to my correct address, I would have worked with them to get them paid down without any legal action. They just need to send information to my correct address for me to do so. As stated above, I've been working at getting my credit repaired and would have loved to help get this one off my list. 

Did I mention that I've never lived at my Grandfather 's address in my life? There is no reason for them to think I lived there. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

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