vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
Account XXXX BANK XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

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 2023-08-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For the last year or so I have been having issues with Experian and the information they have on me. I have asked many times for them to fix this matter and have been more than patient.

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 2023-08-08 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX I was associated with apparently opened an American Express Card account using my information and credit. ThaXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to use that account and to make payments on it until the death of my spouse of 49 years, XXXX XXXX XXXX. who passed away on XX/XX/2021. Within months of her passing, I received notice from American Express National bank that I was the named XXXX for the account in question. I informed them that I had never opened or maintained that account, and that it was opened by someone within the named XXXX XXXX without my permission, and that I was not the responsible party. I later learned that my wife had apparently opened the acoount without my permission, and I filed an Identity Theft claim with the FTC. American Express National Bank contends that since the card agreement was mailed to my address and the account was used, that I continue to be the responsible party for payment, now that the XXXX XXXX has closed. I continue to contend that I never agreed to open said account, never knew that I had been named the responsible party, and that I never benefited from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The debt that is showing a collection is XXXX XXXX, which I have never had an account with. No contractual agreement has ever been entered. In addition, it doesnt show on the credit report if there was a original creditor or not. In addition, the account is posted as XXXX balance collection.

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 2023-08-09 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08 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: AL

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.

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 2023-08-08 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: AL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I requested a balance transfer from my husbands XXXX XXXX XXXX to my Goldman Sachs credit card account. The {$450.00} payment should have been sent to XXXX XXXX XXXX XXXX but was incorrectly credited to XXXX XXXX XXXX XXXX. 
This was the second balance transfer payment to this account, as the first one, for {$450.00} that posted to XXXX XXXX XXXX XXXX did not post for several weeks and after speaking with XXXX who advised to stop payment on the check as it hadnt posted, ended up posting a couple of days later, then the payment was sent back due to the stop payment. 
I have spent the last 3 months trying to get this issue resolved and neither XXXX nor Goldman Sachs will correct the issue. They keep bouncing me from person to person and ultimately say the other bank is responsible, even though they have the information and account number of where the payment was incorrectly posted to. 
I am overdrawn on my XXXX credit card due to this error because they originally credited me, then removed the credit. In the meantime, I issued another balance transfer to Goldman Sachs to cover the original one that was issued and then reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % 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
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
Account XXXX XXXX XXXX Account XXXX : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

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 2023-08-08 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, my USAA was compromised by an unknown entity. I was told by an operator the entity tried calling into the automated service to reset my account 4x.When that didnt work they logged into my banking account and reset my profile settings to include address, phone number and email address.Later I found out USAA sent emails to the notifications In box within my account-that the settings had been changed.I didnt receive any texts or emails for this.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX a withdrawal of {$5000.00} was withdrawn from my checking account.On XXXX, a deposit of {$2500.00} from an unknown unauthorized account posted to my checking account.On XXXX, a withdrawal of {$3400.00} was withdrawn from my checking account.On XXXX, USAA was aware of the activity and made a permanent credit to my account of {$3400.00} and $ XXXX XXXX, withdrawal of {$2500.00} was withdrawn from my checking account as a convenience check funds transfer return. 
On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account.On XXXX, a withdrawal of {$2500.00} was withdrawn from my savings account and transferred to an unknown XXXX XXXX  account ending in XXXX XXXX, a permanent credit of {$2500.00} was made by USAA to my savings account.On XXXX, withdrawal of {$2500.00} was withdrawn from my savings account as a convenience check funds transfer return. 
From XX/XX/XXXX, I have repeatedly demanded by compromised checking and savings account to be closed.I have repeatedly demanded to speak with the Fraud Department. I have spent hours on the phone to be told misleading information.I have been locked out of my own accounts even after I was told my accounts had been freezed and locked down to prevent unauthorized access. I was told numerous times the compromised accounts were locked. To date this still are not locked or closed, which I have begged them to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In being very careful not to duplicate a complaint, this complaint is about a Specific issue and Need. This complaint is against Wells Fargo Bank, relevant to not following through with what they say they will do. This is a formal request to Wells Fargo, as requests by phone are not complied nor followed through. I am formally requesting any account with Wells Fargo in my name to IMMEDIATELY BE CLOSED AND A CASHIER 'S CHECK SENT TO MY HOME ADDRESS IN WHICH THE ACCOUNT WAS OPENED IN -- -- ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX. 
XXXX GEORGIA XXXX I have only opened a Checking account and a Savings with Wells Fargo. Yet upon a recent answer to a CFPB complaint by Wells Fargo, there were ( 5 ) accounts listed. Question is : who opened these other accounts in my name?? There is nothing with Wells Fargo that surprises me. Who authorized these other accounts to be opened in my name?? Accounts were to be closed on XX/XX/2023 by XXXX with the XXXX XXXX. She confirmed account closure, with a Cashier 's Check being mailed to my home address. Apparently, she didn't follow through, and these accounts remain open with ONGOING FRAUDULENT ACTIVITY!!!

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 2023-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Peoples United Bank ( Peoples ) was the originator of my mortgage loan, and since the origination in XX/XX/XXXX, my HOA has maintained the same insurance coverage. At the time of the origination, representative of People 's communicated directly with XXXX XXXX XXXX to confirm appropriate insurance coverage. I am submitting the chain of emails between People XXXX and XXXX ( note : emails in reverse chronological order ), as well as a XXXX letter issued on XX/XX/XXXX, both confirming that the HOA 's master policy contained " walls in coverage. '' I am also submitted a XXXX letter issued on XX/XX/XXXX, again confirming the same coverage as of that date. Based on these documents, M & T Bank ( M & T ) is incorrect in concluding the master policy contains insufficient insurance coverage.

In the alternative, had Peoples erred in the origination and my HOAs master policy in fact had not included walls in coverage, M & T, as successor to Peoples, should bear the cost of Peoples failure in due diligence. There is no basis in law or equity for a bank to demand its customers pay for the banks own mistakes. I'm submitting a M & T letter dated XX/XX/XXXX, in which M & T stated in its own words that it acquired the loan from Peoples on XX/XX/XXXX but did not provide the first XXXX notice regarding any walls-in lapse until XX/XX/XXXX. M & T 's actions present a serious conflict of interest, as a bank can simply mislead a homebuyer into believing that they had adequate insurance and then, years later, impose a large XXXX premium upon the unsuspecting homebuyer. Note that the actions of M & T 's predecessor led me to reasonably believe I had adequate insurance, and by the time I was notified otherwise on XX/XX/XXXX, I could not have obtained insurance dating back to XX/XX/XXXX, as insurance policies can not be backdated.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Nordstorm store card substantially reduced my available credit from {$10000.00} to {$1000.00}, without any wrongdoing on my part. This caused a change of my debt to income ratio and drop of the credit score, all while I am in the process of mortgage application. I consider this action a manipulation and unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My account was taking over from fraud for about two years now and I have been calling all of this time I sent in documents and police reports for the last two years and BofA is still telling me pending XXXX XXXX dollars they know the problem but just choose to give me the run around and each time I call Im being told something different!

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 monetary relief
Consumer complaint received 2023-08-08 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: LA

Complaint narrative:
XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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 2023-08-08 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: LA

Complaint narrative:
XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with non-monetary relief