vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Law Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After numerous disputes I demanded the company furnish details of their investigation and received nothing.

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 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: IN

Complaint narrative:
First, the company ( Sendwave ) claimed that my bank ( XXXX XXXX  ) had charged them because I filled a complaint with XXXX about the actions of Sendwave. 
I contacted my bank. My bank ( XXXX said they do not have a policy like what Sendwave is claiming. Still, they would not refund my money after they assured me that they have the money. ( per their email of XX/XX/2023 ) So, I took the matter to court, ( XXXX XXXX, Indiana  Small claims court ) The judgement was in my favor. Still, up to now, Sendwave has not refunded my money to my bank account as they promised in their email ( XX/XX/2023 ) The money involved before the court case is {$2900.00}. 
I am hoping that this department can help me collect the money without having to spend on collection fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX is clouding my credit report. When I contacted XXXX XXXX, they said, I do not know owe the balance being reported but that they report this amount as a default amount. Rep for XXXX XXXX also says, we, did not tell the debit to collect to collect this amount. So, this is so sort of cash grab, I dont know how XXXX XXXX XXXX received social security number either. I never applied for credit with XXXX XXXX. I dont owe them anything.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has been at the center of racial animus and discrimination allegations in loan activities. 

I applied for a car loan with NFCU. 

I applied online for a car loan. I was denied but given an email or notification in the application process that I could appeal the denial. 

I waited 10 days to do so to get the denial letter. I called NFCY with the info in the credit report noted as a reason for denial. I also sent a secure message inquiring about the appeal to no avail. 

I verified my credit score at XXXX, job and income data, employer data, cash on hand at other financial institutions, and my home address. All data was verified telephonically with a representative. 

The data wasn't reviewed. I'm still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX I sent Experian, XXXX, and XXXX letters highlighting accounts on my report marked as Charge Off. I Informed the company in writing that an Charge- off is an Certificate of indebtedness and a Certificate of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of 1974. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX/ Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has violated my rights. According to the Privacy Act of 1974 and Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. I am the Consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution and its affiliates has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In which they disclosed transactions history which is very much illegal ( 15 USC 1681 exclusions ) to third party companies. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written, verbal or electronic consent for any transaction history to be disclosed.

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 2024-01-02 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: OH

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 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 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and

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 2024-01-02 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: Early Warning Services, LLC
State: NC

Complaint narrative:
XX/XX/2023, I sent the company notice opting out from sharing my personal information without my written consent. 

The company replied saying it doesn't apply to them because they don't offer direct to consumer/ online products and they are a specialty consumer reporting agency Since they are receiving information from financial institutions regardless they should honor my right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: ADP Inc.
State: SC

Complaint narrative:
I received a XXXX card from my employer XXXX. Ive always got direct deposits from my employer. They claimed to forgot to pay me and then XXXX me a XXXX card that couldnt be activated. Ive been sabotaged, ignored, discriminatory acts related to my employment since my major operations. Missing equipment, equipment I didnt request and had to sent back. Getting equipment I sent back and then Hr stating they never got it but I sent photos of the equipment being sent back my XXXX was XXXX XXXX. I missed XXXX class due to denial of through XXXX XXXX  leave which company knew about before I was hired of my Accomdations. Since XX/XX/XXXX I was in training waiting on equipment but I only got XXXX towers no power sources for them and the defective ones I sent back in XXXX. Then, today when trying to activate the XXXX card while on the phone with payroll they said it was protocol to send my check via a prepaid card when all year its been direct deposit with Founders. Now, Ive got no response from employer. Lies on top of lies its like Im being tourtured for filing a complaint. When trying to access the XXXX I noticed multiple employers linked to my old social security number that I never worked for. But when trying to put in my info it showed denied. But then XXXX showed up which is a friend number I asked him for the code and the Employer showing XXXX XXXX has my full name middle name including with a XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. With XXXX employees. And my as a night shift XXXX which is false fraud wrong altered information. It showed benefits and a lot of XXXX people with emails ending in XXXX. It showed a XXXX XXXX account another Employer named XXXX XXXX XXXX with Position XXXX XXXXXXXX, Associate XXXX  XXXXXXXX XXXX XXXXXXXX Night XXXX it shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I worked for them but not XXXX XXXX XXXX I worked for XXXX XXXX XXXX wrong information linked and the XXXX Hotel and XXXX XXXX is a fraud account linked to me. Which explains the XXXX Security key linke to a Corporate account with XXXX XXXX and the ghost account it shows an account number for XXXX XXXX and someone being paid under my old social security card. When trying to file a complaint with XXXX it kept sending an error message. My number isnt XXXX. My number is not the one on this qcccount either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
on XX/XX/2024 I received a letter from Diversified Adjustment Service INC trying to collect a debt from me. They stated I gave them permission to contact me which not true. They are not original people who I signed a contract with. they are trying to collect {$620.00} from me but didn't provide original contract in email. This was charged off by original contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/2024, After not being able to log into my account to retrieve my account number, i went in person to my nearest Bank of America to get the information but i was yet again directed to an automated voice machine who couldnt properly handle my problem. I tried dozens of times to retrieve an authorization code only to be met with the same responseThat I need my account number, I couldnt access my account number because my card & mobile app was locked. Causing a circular dilemma i cant seem to get through to my money or my mobile app BOA account. Due to this situation im going to be late on paying my monthly rent & other bills. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. In accordance with the Fair Credit Reporting Act the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-01-02 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Nothing happened. I was wonder why I was getting a bill Year later found it in my credit report. Called to get removed they said I made a payment Noow after XXXX  years they still bill me. 
Ive never own XXXX, They are allowing someone to use my account. Because theres a large balance. I dont fly or go anywhere but theres fly miles. I certainly would Not have signed up for an account that charges for non use fees I found. I want this removed. Ive called my bank and they can not find proof of payment. 
I want this removed from my list.

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 2024-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have raised the request to CFPB earlier against the compliant # XXXX. I have submitted a dispute to XXXX  and they have never responded me. XXXX system has an issue. I have ordered the phone and returned within a week. They refunded me the devices and in the system, start charging me the line rent. I received three bills and I kept visiting the service centers to close the lines. As per Service Centers, lines are closed and I dont owe any money because I have never used XXXX lines, it was system 's behavior and they will fix it however, I am getting queries from the debt collection after every XXXX  months. I have recently reached by another debt collector " I.C.Systems Inc '' Phone XXXX and asking for the money. Please help to resolve this issue. 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 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX... 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Sun XX/XX/2023 XXXXXXXX XXXX Greetings... 

In XX/XX/2023, I discovered my home was put on a " foreclosure registry list data base '' by my mortgage company ( Select Portfolio Services ) without any type of proper notice. 

I ( only ) discovered the " listing '' because I discovered a XXXX XXXX code enforcement officer inspecting my property because of being " put on the foreclosure registry list ''. 
The code officer told me they download and use the list daily to inspect home foreclosures and abandoned homes. 

It's important to point out, I was not in forclosure so I immediately called my mortgage company. 

A call to my mortgage company quickly confirmed I was not in any foreclosure " proceedings '' or in foreclosure. I asked about the " foreclosure registry list '' and was told they had no knowledge of it, nothing appeared in my file. No current court records filed for foreclosure. 

I ( then ) contacted the XXXX XXXX Code division and was told I was put on the list by my mortgage company, Select Portfolio Services. 
I filed an " open records request '' and confirmed it was my mortgage company that paid the required fee and fraudulently filed my home on the registry list, without notice. 

The information required to submit the form, along with a required fee, was outdated, false/misleading, inaccurate and in violation of Florida law . ( 48-H, sec.8, 146 ). 

Repeated phone calls to the mortgage company call center didn't work because they repeatedly denied any knowledge of the list. 
I got zero customer service. 

The mortgage company fraudulently put me on a foreclosure list, failed to properly notify me and violated Florida law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-02 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to, they have have not provided any records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: SC

Complaint narrative:
The accounts in question listed on my document shouldn't have been reporting late payments. XXXX of the accounts on the document was already closed out but still reporting late payments XXXX XXXX XXXX again.

Company response to consumer: Closed with explanation