vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I the consumer was denied my legal rights to my credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MD

Complaint narrative:
my information was sold and bought illegally because i was a victim of Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was a victim of this breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. I have listed all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been having issues with BB & T/Truist Bank claiming that I owe fees since XXXX. When asked to explain what the fees are for I was told late fees. However, there was no way to accumulate late fees in the amount of what the bank claimed I owed. When I asked for a copy of my payment history to be sent to me I would get a monthly break down of payments made. There was no explanation of fees owed in writing or over the phone. The fees were ignored most times and the fees were paid on a few occasions. Once the fees were paid the bank would immediately come back and say that I owe more fees. I received a letter dated XX/XX/XXXX from loss mitigation giving me options to bring my payments current. My mortgage payments were not delinquent and the only fees that the bank claimed I owed were the fees that they could never explain how I owed them. I contacted client advocacy to investigate these charges and received a letter dated XX/XX/XXXX. This request for unexplainable fees went on from XXXX. I sent a letter requesting correction of errors to Truist Bank. After the letter I received a refund of {$1600.00} from client services. I was harassed by BB & T/Truist bank for several years. BB & T/Truist demonstrated bad business practices and mortgage fraud. My home is in a lower income XXXX neighborhood and I believe I was being targeted on the basis of my race to get me to sell my property.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX I had a hotel reservation. Me and My partner XXXX XXXX was at the hotel for the reservation. The hotel was overbooked and we were stranded in their lobby. The company still charged me for a hotel room that was not available. Not sure if this is bait and switch but at the very least I should be refunded the room. The company refuses to credit us they state if I cancel the reservation it is not refundable. However we did not ever cancel anything, it was overbooked.

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 2024-01-22 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: American First Finance, Inc.
State: TX

Complaint narrative:
XX/XX/year> Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 


Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Self Financial Inc.
State: TX

Complaint narrative:
XX/XX/2023 Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 


Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly review the attached documents. I request the bureau to initiate an investigation on these accounts, as I am never late, but they are erroneously reported as such.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE XXXX is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. CAPITAL ONE XXXX does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent letters to all XXXX consumer credit agencies Equifax, XXXX and XXXX letting them know that the information that they have on my credit profile is inaccurate and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: Upstart Holdings, Inc.
State: FL

Complaint narrative:
UPSTART is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. UPSTART does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
Experian has failed to adhere to 15 U.S.C. Sec. 1681i ( a ), by failing to complete an investigation within 30 days of receipt of a dispute letter. On XX/XX/XXXX, I sent a dispute letter to Experian informing them that were reporting a late payment for the account XXXX in XXXX XXXX which is inaccurate. My account with XXXX XXXX XXXXXXXX was deferred due to XXXX and I was protected under the CARES ACT. It has been over 8 months, and Experian has failed to remove the late payment reporting XX/XX/XXXX. I urge Experian to address this matter promptly and rectify the inaccuracies on my credit report within 7 days since this is long overdue. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Experian will take immediate action to rectify this situation and prevent the need for further legal action. Please see the attached dispute letter sent 8 months ago which is dated and time stamped.

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 2024-01-22 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: LEXISNEXIS
State: FL

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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
A bank teller at our local branch of US Bank, on XX/XX/2024, cashed a cashiers check we presented at the counter. This was part of a completed sales transaction. 

11 days later, we received in the mail from US Bank, the same check, marked FORGERY and saw that the bank had deducted the same amount of the original check from our checking account, without our knowledge or authorization. 

The loss of the money from their teller 's cashing a fraudulent check was not our responsibility and that money was never deposited in our account. Their error in honoring a forged check, was then made up for by taking our money from our own personal account without our knowledge. The effect of this was that our balance then was not sufficient for bills that we had paid electronically via their app. 

Throughout this process, we were not notified by the bank and were unaware of the forgery until on XX/XX/XXXX, when we received the returned check which the bank in their ignorance had accepted and cashed on XX/XX/XXXX. 

We went to see the bank branch manager on XX/XX/XXXX to seek answers and was told to contact their fraud dept. and also file a police report. 

We have done both. The bank is accepting no responsibility so now we are filing this 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/ I noticed several overdraft fees in my checking account. I immediately transferred XXXX dollars to the SSFCU checking account from my XXXX acct. 
The funds showed up in my account as two deposits highlighted in green, showing available. 
I then resumed using my debit card with no issues until it gets declined for no reason. 
I look at my acct again and SSFCU had charged me 8 more overdraft fees for my latest purchases. I questioned why they overdrafted charges when funds show available, I was told they werent availble but since I have overdraft protection they will keep covering my overdrafts until a XXXX limit. 
The credit union actually stopped my access when charges reached XXXX dollars. On the XXXX I spoke with an SSFCU associate who said that my deposit on the XXXX came in after charges. I explained to her that the deposit was done in the morning. I asked for the times of the charges and she was unable to give me accurate info. 
I was charged 12 overdraft fees of XXXX in a span of two days, deposit was sent in the morning of the XXXX. The credit union allowed access to funds and then overdrafted in a predatory manner.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXXXXXX  a check was stolen from my checkbook without my knowledge. On XX/XX/XXXX, I was attempting to make a small purchase at a grocery store, when my card was declined. I went straight to my bank, at the time they were called, Bank of the West. There I was told that I was in the negative over {$800.00} due to a check being cashed in the amount of {$1000.00}. We verified that the check was not something I had written as I did not know the person the check was written to, the signature and handwriting did not match any of my prior checks, check was out of sequence, and I do not pay for tuition for anyone. The bank placed a flag on the account and I was told that they would file a police report. On Monday, the bank manager contacted me and told me I was the once that had to file a report, I immediately filed the report to the XXXX XXXX Police Department : XXXX XXXX. BMO closed my account and would not allow me to open another with them. I had to take my business to another local bank. On XX/XX/XXXX, I received a letter by mail stating that the overdraft had been sent to collections to XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe the bank any money as this was a fraudulent cashed check, in fact, they still owe ME the balance I had on my account prior to them cashing this check.

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 2024-01-22 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: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis does not have my permission to report my personal information. They are committing fraud by reporting my information without my permission. I have opted out of reporting with this company per USC 6802 which they have violated every time a consumer reporting agency has reported information in my consumer report was received from LEXISNEXIS. This company verifies non-public data as VERIFIED- Bankruptcy courts do not publish full social security numbers nor do they report to third parties. Lexis Nexis is in violation of Metro 2 complianceXXXX as the information is not being physically, FACTUALLY and TRUTHFULLY verified according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: CMG Financial Services, Inc.
State: TX

Complaint narrative:
XX/XX/2023 Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 


Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation