vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
My issue is with mohela. I was transferred to this servicer and have not been able to get a hold of them about my loans. I have been on hold for hours at a time and the one single time I got to talk to someone they gave me a blanket answer and didn't even look into my account. I have huge concerns over how my loans will be handled and in dealing with their non-existent customer services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received an email on XX/XX/22 stating that I was approved for a Wells Fargo bank account which I did not apply for. The link in the email contained some of my personal information but when asked to confirm my identity it asked to send a txt to a phone number ending in ( XXXX ) which is not my phone number. I called Wells Fargo and they flagged my information so the account would not be allowed to be used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: MA

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 USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( S ) 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. 1681 s-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 2022-10-07 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: MA

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 : USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( S ) 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. 1681 s-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 2022-10-07 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: MN

Complaint narrative:
I have asked the credit bureaus to do a Theral review of the credit report they it but there are still inaccuracies found. in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights, 15 u.sc 1681 section 602a section 2 it also states consumer reporting agency can not furnish a account without my written instructions. therefor they are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: IL

Complaint narrative:
On XX/XX/XXXX I sent a XXXX Letter to XXXX via XXXX asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an XXXX letter to try to resolve the matter. Equifax did not do their due diligence in correcting matter. XXXX  intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX  account is old and requires removal from my credit report. I have made over XXXX disputes in reference to this matter. To no avail Equifax verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Equifax stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. the Equifax report numbers are XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial Inc., has continued to ignore my notice of billing errors, and they have continued to report data that is known to be false or would be known to be false. I have requested documentary evidence according to GAAP and they have refused to disclose this information. I have requested account-level book keeping information to verify that the information is accurate and they have failed to disclose this information. Confirming that the data being reported to third party credit reporting agencies to be false or would be known to be false. I am requesting this information to verify that the data being furnished is accurate and is in compliance with the XXXX XXXX standard for companies that furnish information to credit reporting agencies. This false information has not been verified upon request and my dispute has not been reported causing my credibility to be questioned. It has also caused mental anguish and severe stress. The damage I have suffered from their failure to comply is in the amount of {$50000.00} that I am seeking in relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Dear sir/madam, I have noticed these two illegal removal of funds from my account : 1. On XX/XX/2022, the amount of XXXXXXXX XXXX was transferred out of my account without my authorization 2. On XX/XX/2022, the amount of XXXX was removed from my account as closeout withdrawal without my consent. 

Kindly ask XXXX XXXX XXXX to return all my money in full. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: LTD Financial Services, L.P.
State: KS

Complaint narrative:
So Ive contacted both of these fraudulent companies regarding fraudulent accounts opened in my name, under my information, on my credit reports, and as such took it upon myself to give them the chance to rectify the situation. First only the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was showing on my credit reports, to which I contacted them via the XXXX  for them to remove because I never opened it myself. After doing so, a few weeks later, some collection account, representing this company name LTD Acquisitions LLC added their trade line to my credit reports as well. And stated that it was opened 7 months ago, but they JUST now put it on my credit? Doesnt make sense. Either way, XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter to me detailing, that the account was opened in XXXX  and that they found no signs of fraud..And that if I still claim to not have opened it I can send them a copy of my SSN card, my drivers license, and proof of address in XXXX of 2019 ( because that when the fraudulent card account was opened. I will not be sending them my SSN and license.if Im reporting fraud with you all, why in the world would I send copies of that information to you all? It serves no purpose. But I will provide proof of employment AND residency to them in the form of my pay stub to which I was WORKING AND LIVING IN XXXX XXXX XXXX  TO BE EXACT. in the month the account was supposedly openedthat is proof enough I didnt open it, I wasnt even living in XXXX  during the time frame. I had never heard of this company or the collection company they assigned this account to, but either way I am not liable nor financially responsible for said account, So BOTH TRADE LINES ( XXXX XXXX XXXX XXXX and LTD needs to be IMMEDIATELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, XXXX ) or formal litigation will commence, and you and your entities will be sued to the fullest extent of the law allotted. Ive already provided these documents but will do it on here as well. ( Identity Theft Affidavit, Paystub, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: WI

Complaint narrative:
In accordance with The Fair credit reporting act XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 u.s.c 1681 section 602 a. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: WI

Complaint narrative:
In accordance with The Fair credit reporting act XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 u.s.c 1681 section 602 a. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information on my Experian credit report, but Experian is not investigating. I sent a letter to them on XXXX and they keep saying that this information is accurate even though it is not. They told me to contact the creditor, well I did that and they did not investigate either and I am concerned that they are overlooking this issue even though they are supposed to conduct a reasonable investigation. I have reminded them of the FCRA, but they still violated it and are still reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a Altitude Reserve credit  card with US Bank early this year. On XX/XX/XXXX, i wanted to buy a XXXX watch and tried to use this US Bank Altitude Research card to pay. However, it was declined. I called US Bank customer services and XXXX told me they would put a note and asked me to try in a few minutes. I tried the second time and its declined still, so i used XXXX card to pay. 

On XX/XX/XXXX, I was told this card was closed by US Bank, and i can not make further purchases on groceries. I spoke with US Bank and a lady told me they closed my account because i bought a luxury good and according the user agreement this card can not buy luxury good. Immediately after the call, this card is closed. 

In the next week, i called US bank multiple times to reinstate this card but they all said they can not disclose more information. 

My question is - 1 ) during the transaction, no XXXX told me that I can not buy XXXX watch with this card. they just said they would put a note and let me try again in a bit -2 ) i reviewed user agreement and didn't find any words saying can not buy luxury good - 3 ) even if it specifies on user agreement, banks should warn me for the first time and close account after second time - 4 ) US Bank charge me an annual fee {$400.00}, and they didn't refund after closing the 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 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 2022-10-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I requested my XXXX from Navient in XX/XX/2022. I have heard nothing from Navient about my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: BRite Financial Services, Inc.
State: WI

Complaint narrative:
Brite Financial reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all 3 credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
On XX/XX/XXXX after receiving a solicitation email from ALLY Bank, I opened an interest checking account and funded it with a deposit first, then created direct deposit to continue funding the account starting on XX/XX/XXXX. The solicitation letter said if I did those things, I would receive a {$250.00} bonus into my account " within 30 days of receiving your first direct deposit ''. I do have an email from ALLY from XX/XX/XXXX stating I had done what I needed to do, and the subject line was " Good news- you're enrolled in the cash bonus ''. I called last week and asked where the bonus was, and was told that actually it would be deposited 30 days EXACTLY from my first direct deposit transaction - as such it would be deposited into my account on XX/XX/XXXX - OR within 24 hours of XX/XX/XXXX. On XX/XX/XXXX I checked my account to find that it still was not there. I called ALLY Bank AGAIN, only to be given the run around, and no one can give me a direct answer. They have " escalated '' my issue but I have heard nothing from them since my call 2 days ago, and as of now, there is still no deposit of this {$250.00} bonus in my checking account. I am starting to feel as though this was a scam solicitation. I am not sure what else I can do about it. I can forward the email to you if you like.

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