vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received notification from XXXX on XX/XX/22 that my Target Red Card issued by TD Bank had lowered my credit limit. I immediately called Target since there has been no negative changes on my account nor on any other accounts with any other lenders. With the run around and their representatives giving me false information I threatened to close my account unless they could tell me and honest answer. They representative became condescending, stating that my contract says they can lower my credit line, etc, but the information didnt make sense. He proceeded to say if my account is closed its permanent and I could never have an account again, I said good but stated that I need to understand what happened, he then in the middle of me trying to obtain factual information said I closed your account and there is nothing more he could do, I tried asking follow up questions, asked for an escalation and he said basically no and hung up on me. I called back and spoke to 2 additional representatives who all said they were supervisors on floor that no one else was available that there is no escalations department I could speak to, one finally said she filed a complaint but that no one would call me back, because they cant make calls out. XXXX stated that he cant see notes or documentation on my account. He stated my account is closed permanently, I told him I didnt want my account closed I just wanted answers and wanted to know how they can conduct business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Finance LLC
State: MD

Complaint narrative:
I have been a victim of identity theft since 2011. After my son passed away in my home i never returned to the home and gave all of my belongings to my family members. It was during this time someone very close to me stole my personal information. For years I have struggled to clean my credit report and i've always grown discouraged because there's always a new account or inquiries being reported. This has caused my credit score to always decrease and i'm very stressed with trying to fix everything. I have a car loan through american finance being reported on my credit report that i have been disputing with all three credit bureaus. This account does not belong to me and after reviewing all three credit reports they do not all reflect the same information. In accordance with the Fair Credit Reporting act I ask that these accounts be reviewed and removed from my credit reports because they have 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 an account without my written instruction. 

I believe the person that stole my information is my sister XXXX XXXX because shes been connected to other accounts previously removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining 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 2022-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company.

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : XXXX XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # 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 2022-09-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

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 2022-09-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending you this because the XXXX credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining 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 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
This is my third loan with One Main Financial. I am an older American and XXXX Veteran. 
My title was never returned to me upon full payment of the previous loan. One main instead coerced me into another loan in order to get my title back to my car. One main also without my consent after I clearly declined their insurance offer still signed me up for auto insurance I do not need as I already have automobile insurance saying. 
One main is charging me an unfair, excessive, and unconscionable amount of interest on this title loan. I have never been late with any loans and should not be charged excessive interest as I am not a subprime consumer and I have a excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I opened an account at Ally Bank. I deposited {$1000.00} from my XXXX  XXXX XXXX checking account via ACH. Ally says they tried to contact me for identity verification. Since, they say, I didn't respond, they closed the account and locked the funds. When I called, I was told that the only way they'd release the funds is back into my XXXX XXXX XXXX account, on XXXX request. 

XXXX says they have no ability to do this. I have spent hours talking to or waiting on hold with both banks.

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 2022-09-22 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: KY

Complaint narrative:
I demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( IAW ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Incorrect Inquiries : XXXX XXXX ( 2 ), XXXX XXXX  XXXX. Incorrect Accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX. My rights have been violated in several ways, and yet there has been no resolution. 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 an account without my written instructions. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not 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 2022-09-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 
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 XXXXXXXX 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 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 2022-09-22 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: NV

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 U.S.C 1681. 

Account : XXXX XXXX Account # XXXX open balance : {$710.00} Date openedXXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : ( XXXX ) XXXX Account : XXXX  Account # XXXX Open balance : {$390.00} Date opened:XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX have 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 : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I received two separate emails from Bank of America : 1. ) requesting to validate my email address and 2. ) and another subsequently indicating the credit card application had been approved. At this time, I disregarded the emails considering it spam and placed in my email Trash to discard and thought nothing else of it. 

On XXXX XXXX, XXXX I received an email from my XXXX XXXX through my banking entity detecting a change on my credit file as there had been a new inquiry request by Bank of America for one of the 3 credit bureaus to complete a credit check. I immediately called my XXXX XXXX entity to notify them of the unauthorized fraudulent activity. The necessary information was taken to forward to an investigator to return my call within 48 hrs. 

On XX/XX/2022 a text message was received from Bank of America congratulating me on the credit card, it was approved and that the card is on the way. This was received at XXXX from text code XXXX. It is attached, I had to forward the text to my email. The night of XX/XX/2022 around XXXX I received another email indicating the card is on the way, last 4 digits of the card # assigned and included my name and address information on this correspondence, and the card should arrive within 5-7 days. There was no credit limit noted on either email. 

Now I'm very upset and wondering what's going on as I had not submitted a credit card application to Bank of America in any form or fashion. I don't bank or conduct any business with Bank of America and I'm perfectly happy with the banking entity I use at this time. This activity was not authorized by me. 

On XXXX XXXX, XXXX I went to a local Bank of America and spoke with a Service Rep/Account Specialist verifying my identity, explaining the fraudulent acts that had occurred and disputing the request for this card as I was not aware of this activity until I began receiving correspondence on XXXX XXXX. The Service Rep/Account Specialist was helpful in speaking with their Fraud Dept. and I also spoke with the Rep in the Fraud Dept for 20-30mins. She indicated they would lock the card, the account will be blocked and closed. If the card is received destroy it. The Rep also indicated I would receive a Fraud statement/report in the mail w/i 10 days. They will also be in contact with Credit Bureau. 

On XXXX XXXX I received a call from an investigator with Fraud Restoration taking the necessary steps to protect my identity and to deter any future unauthorized activity.

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 2022-09-22 00:00:00
Product: Credit card or prepaid 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: First Technology Federal Credit Union
State: WA

Complaint narrative:
I purchased a ticket for XXXX XXXX to visit XXXX for XXXX weeks of vacation using credit card from First Tech Credit Union. My luggage was lost and I filed the lost luggage on the spot. XXXX XXXX did not respond to me until XXXX week afterwards. I had to pay at for the very basic replacements in the luggage and my whole vacation was ruined. I asked for itemized compensation from XXXX XXXX given their policy listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They answered me after 60 days offering a XXXXXXXX XXXX XXXXXXXX. I refused given the very high amount of money I paid for replacements. I contacted my credit card for the dispute over the horrible service I received. After another 60 days of waiting, First Tech denied it without a proper explanation. As a consumer, I am protected by US department of transportation for lost/delayed luggage up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and by US federal federal trade commission for a bad service that was provided by XXXX XXXX to be XXXX XXXX first tech ( XXXX XXXX XXXX  ). However, First Tech rejected my dispute telling me that I shouldn't have taken the flight. Now that I have used that service, I have to deal with the merchandise itself. 
This is my last time, using First Tech Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining 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 2022-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXX.DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX Inquiries : XXXX : Inquiry date XX/XX/2022 XXXX XXXX XXXX- Inquiry date XX/XX/2022 XXXX XXXX XXXX XXXX-Inquiry date XX/XX/202XXXX XXXX XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX XXXX-Inquiry date XX/XX/2022 XXXX XXXX-Inquiry date XX/XX/2022 XXXX15 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 an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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