vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: PA

Complaint narrative:
RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND  FOUND ITEMS ON THERE TO BE   INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE  PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES .
 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-06-07 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: PA

Complaint narrative:
RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND  FOUND ITEMS ON THERE TO BE   INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE  PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES .
 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/24 I received a letter from Bank of America ( BOA ) thanking me for opening 3 " Business Advantage Relationship '' accounts. I DID NOT OPEN ANY ACCOUNTS AT BOA. On XX/XX/24 I entered BOA at XXXX XXXX XXXX, XXXX, MA. I spoke to " office business solution advisor XXXX XXXX phone number XXXX XXXX XXXX her email is XXXX. The purpose of my visit was to inform BOA of fraudulent activing involving me, XXXX XXXX and my company, XXXX XXXX. During this visit XXXX gave me three case numbers : XXXX ) Case # XXXX for Account XXXX XXXX ) Case # XXXX for Account # XXXX XXXX ) Case # XXXX for Account # XXXX. The following day I received 3 letters from BOA. Each letter is addressed to XXXX XXXX XXXX. The letter states they are working on my claim and they demanded additional information. I am EXTREMELY UNCOMFORTABLE providing such information to them. I do not trust them. The fraud department should do the investigation! After all, if they are legitimate, they can find the information online! They sent me a letter on XXXX XXXX stating that my cliam is closed. I am writing you because BOA needs to be help accountable for opening fraudulent accounts online!

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 2024-06-07 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: Experian Information Solutions Inc.
State: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I Keep Getting The Run Around On Removing Ex Spouse Name From My Title Deed. My Divorce Was Finalized XXXX  Years Ago. Freedom Mortgage Keeps Playing Games With Taking The Name Off. We Had A Forbearance Loan Of XXXX. California Mortgage Relief Paid This Amount on XX/XX/year>. I've Sent Numerous Copies Of Settlement paperwork to Them

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 2024-06-07 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: DISCOVER BANK
State: CO

Complaint narrative:
XXXX months ago I found XXXX XXXX XXXX charges on my Discover card between XXXX and XXXX. I have never used nor authorized my Discover for XXXX XXXX. 

In calling XXXX, they could not find my card linked to a XXXX purchase. Furthermore, they did identify that this card was added on to our family account many years ago and it shows it expired in XXXX. 

I immediately disputed the charges. The first Discover Card employee I talked to set up the disputes. During our conversation, I asked about the card being expired. She stated that since the charges were for a recurring purchase and that the card had previously been on file, that there was no problem allowing the charges. 

These unauthorized purchases were XXXX years after expiration. She stated that even though the card was expired, it still could be used for recurring payments ( which I have never authorized for this card ). 

The disputes were denied by Discover. Their letters stated that since XXXX did not respond to their inquiries, they had no way to investigate, therefore, they chose NOT to side in my favor. In their letter, there is no mention of the expired card number. 

If this practice of allowing charges on expired credit cards is legal, then this is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-06-07 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: Experian Information Solutions Inc.
State: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-06-07 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX 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 these items. Your failure to positively verify these accounts and inquiries 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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Manhattan Beach Venture, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I filed a borrower defense application with the Department of Education, the application was initially denied, I then sent a request for a reconsideration and the Department of Education Borrower Defense Team reopened my initial application that was denied. In XX/XX/XXXX almost 6 years after my initial application was filed my Borrower Defense application was approved. I was advised by a representative of the Borrower Defense Team and also by XXXX my current loan servicer that my loans would be completely discharged and I would get reimbursed back any amount that I paid on these loans, on the day that I contacted XXXX and was advised of this by a XXXX representative I was then sent a letter by XXXX that I was only going to be discharged in the amount of {$10000.00} and not the full balance like I had been advised previously. I then filed a complaint against the Department of Education with the CFBP and was sent a letter by XXXX that the total amount that was discharged by them was {$110000.00}. I called XXXX and asked them why my loans were not discharged and they advised to me did I have loans with a separate servicer, but this answer was no, the loans that I had that are now serviced by XXXX were once serviced by XXXX or XXXX  and then transferred over to XXXX XXXX and then XXXX XXXX transferred the loans over to XXXX, however the Borrower Defense Team and XXXX refuse to discharge my loans as per the letter attached from XXXX has advised that they should be, when I have tried to reach out to the Department of Education, the Borrower Defense Team, or XXXX I am constantly getting the runaround as they do not want to discharge my student loans as per my approved borrower defense application. This is not only unfair but also fraud and I will have no other choice to consult with an attorney should I not get some results

Company response to consumer: Untimely response
Consumer complaint received 2024-06-07 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: LA

Complaint narrative:
I recently conducted a credit report investigation that left me XXXX  for days because I discovered facts that your agency failed to verify were true, erroneous, suspicious, and unverifiable. 

All information on my credit report must be completely accurate in compliance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ), and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely correct. All of the letters that were sent are attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Thursday, XXXX XX/XX/year>, I transferred {$1500.00} from one of non-USAA bank accounts into my USAA checking account.

They accepted the transfer l, but placed a hold on {$1000.00} ( a portion of the transfer ). They refused to release my money. They said they could not release my money brocade I had an overdraft on XXXX XXXX XXXX XXXX days prior to this transaction. 

Between XXXX XX/XX/year>, I made XXXX other transfers totaling {$1700.00} and none of those smaller transactions ( all took place closer to the the accidental overdraft date that was corrected within XXXX hours ) were placed on hold. 

They were clear that this was punishment for an overdraft on XXXX XX/XX/year> that was corrected on XXXX XX/XX/year>. 

They told me there was no complaint department. I could not speak with a supervisor and the only explanation I was provided with was they are allowed to place holds on any transfers and this was punitive due to an overdraft that took place 21 days earlier and was corrected within XXXX hours. Even though XXXX other transfers took place prior to this one and none of those were placed under hold. They chose to hold a portion of this transfer and allow a portion to be deposited. 

They refused to transfer the funds back to my sending account ( different bank ), told me to use my credit card ( {$190.00} available credit ) to offset the {$1000.00} they are holding and then suggested I apply for a personal loan if I need money. 

Again, they refused to allow me to speak with a supervisor and they refused to explain how I could file a formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to dispute a credit inquiry that was made by best buy. Best buy applied a credit run for me to open a credit card at their store. I did not consent or give permission for a credit inquiry. The credit inquiry is in error because I went to the store to purchase a laptop and I was asked by the cashier if I wanted to apply for credit card and I stated I did not want to and proceed to pay with debit. Attached with this letter is a copy of the receipt of the laptop I purchased with my debit card. I went to Best Buy multiple times and they were not very helpful they did not want to help me with a letter. They provided a letter finally but it only states that it could have been identity fraud.

I am requesting that the error be corrected, that any credit impact related to the disputed credit inquiry be fixed on my account so that it doesnt affect my credit score which I have worked hard to obtain. 
Enclosed are copies of receipt for my purchase on that day and the letter from best buy supporting that I did not run my credit inquiry. Please help correct the error on my account. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
There was a credit issued of {$600.00} on XX/XX/XXXX from XXXX XXXX for a problem that I had with a sofa that was purchased from them, to my Costco Citibank credit card. I saw the credit issued of {$600.00} to my credit card account on XX/XX/XXXX. The {$600.00} credit is now not showing on my account. I have contacted Citibank on three different occasions. The first time, I was told it takes 3 days to post. The second time I called I was told that it takes 3 to five days to post. I spoke to a supervisor today who now says it takes 3 days to post and he does not show the credit for {$600.00}.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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