vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX currently have some unauthorized inquiries appearing on my credit reports. 


XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry XX/XX/2023 XXXX. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023 I deposited {$1200.00} into my checking account at Navy Federal Credit Union. They immediately transferred that money to pay against a credit card without my authorization. When I called them and told them that I had not authorized the transfer and would like my money returned they informed me their policy did not allow that. 

I spoke with two supervisors and informed both of them of 1026.12 ( d ) Special credit card provisions and that they could not transfer money from my checking account to offset a credit card. 

They informed me that their policy allowed them to and that the law I mentioned did not apply due to their policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 
XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00}

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 at XXXX, I was contacted by Wells Fargo via telephone call and email that there was a suspicious purchase on my credit card. My card was used at a XXXX XXXX Store in XXXX XXXX, New York in the amount of {$3900.00}. I confirmed it was unauthorized and was quite upset. I told them this is not possible because I still had possession of my card. I did not understand how this could happen. Wells Fargo told me to destroy the card and I would be receiving a new one in 10 business days. I received the new card and thought everything was resolved. Then on XX/XX/2023, I received a letter stating no fraud had occurred. I immediately contacted Wells Fargo and assured them it wasn't me that made the purchase. They claimed that because I was in possession of the card I am responsible. They then stated they would conduct another investigation. Again, on XX/XX/2023, I received another letter stating that I authorized the purchase and was therefore responsible. After receiving the letter, I called Wells Fargo again and was told I used my phone to pay with my credit card for the purchase. I told him I have never used or placed any credit card on my phone and they should have a record of that. Again, they told me they would conduct another investigation. At this point, I made a police report of the theft. I was advised from the police that Wells Fargo is now indicating that my card was physically used. I contacted XXXX XXXX and Wells Fargo trying to get help and asked them to look at the camera footage. I spoke with XXXX XXXX at XXXX XXXX and see told me they would conduct an investigation and I never heard back from them. I need 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 non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Walked into brick and mortar location to handle this and still on my credit report. Account settled years ago. For XXXX dollars on a secured account.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On my credit report it shows that I was late over 30 day in two consecutive months ( XXXX and XX/XX/2023 ). I have never been late. I started automatic payments from my personal checking account that was to begin in XX/XX/2023 with this company. We received a letter in the month of XXXX stating that the account was past due. We contacted the company and they said that not to worry about the letters and that they might come for a couple months since we just started the automatic payments. The payment was for {$100.00} per month. I made sure that the payment was made for XXXX and then the same thing happened in XX/XX/2023. Since then, there has been no issue. I would like this negative issue removed from 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 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I have requested multiple times they send me information validating the debt they claim they hold, with no success. They state they do not do any communications via email, even though they provide an email on their website. 

When they do call and after I request it get sent via email, the lady gets upset then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TX

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-31 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: TX

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 

1. XXXX {$420.00} 2. XXXX XXXX {$650.00}

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was being charged maintenance fees when I was getting direct deposit when I went into the bank I requested those fees to be refunded I was told that I can only get one payment back when they charge me at least four months of monthly maintenance charges.

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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
I thought I called chime by XXXX  chime online because I wanted to update my atm withdrawal amount and the person said he could help me but he scammed me out of XXXX Dollard and I debuted it with chime and they denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
I have received more than XXXX telephone calls from Paragon Revenue Group. Many have left automated voicemail. After sending dispute letter requesting proof which has not been provided, notifying them that I am only to contacted via USPS they called me, being very abusive threatened me with legal action and possible arrest. My granddaughter heard the conversation and has since had XXXX issues since. They have also put a negative mark on my credit report. All this after I have sent a dispute letter requesting proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Credit score lowered XXXX points due to credit union report error. Loan was paid in full, and not reported as paid. This resulted in two late payments. Loan amount was paid in full XX/XX/2023. Late payments issued for XXXX and XXXX of 2023 after the loan should have been paid in full. Disputed with Equifax once with no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore along with XXXX XXXX XXXXXXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known ROBO signer signed the assignment as an attorney in fact dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. Some of these assignments are fraudulent ( XXXX XXXX ) and fraud cant be the basis for obtaining a deed. The ROBO SIGNER XXXX XXXX was apart of both Federal and State Court cases. You can google her name and see the fraud her signature was involved in. The Vice President that signed are not bank presidents. They are simply ROBO signers. I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/XXXX. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date. 
I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by XXXX XXXX. I was told take it or leave it. I thought a modification is supposed to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MS

Complaint narrative:
On XX/XX/2023 I deposited a check for {$1100.00}. I was told these funds would be available in five business days. Then, on XX/XX/XXXX, ( the fifth business day ) I was told that it would be available on XX/XX/XXXX by the end of the day and given no reason for the delay. Today, on XX/XX/XXXX, they changed their minds and decided it would be on XX/XX/XXXX, and I was again given no reason. 

I asked to speak with someone from several different departments and was told there was no one else I could speak to. 

I have given this bank no reason to hold my funds for an extended period of time, and the funds have already cleared the account that the deposited check was written from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XXXX XXXX opened a credit card account without my knowledge, by end of 2022 I received a statement from this institution. The statement indicated purchases and collection of respective payment. I contact them and filled a fraud claim since I do not have such card nor request it. The institution hasn't follow up instead they keep trying to collect the debt. On every Month statement that I keep receiving no additional purchases are included but interests keep getting accumulated. I just file another fraud claim and they mentioned it'll take them up to 10 business days to provide a resolution.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT WITH CAINE & WEINER OR XXXX, I DO NOT HAVE A CONTRACT WITH CAINE & WEINER OR XXXX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation