vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) 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 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 XXXX XXXX XXXX 

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.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. 

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 any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NH

Complaint narrative:
I sent the letters off on XX/XX/2023, from the XXXX office here is my receipt number XXXX XXXXXXXX The purpose of the letter was to request the removal of personal information that I neither possess nor desire to have on my credit report due to suspected identity theft and misuse. Initially, I had some hope when a few items were removed, but unfortunately, they reappeared, this time accompanied by a new address where I have never resided. Attached you will find the receipts along with letter and more proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please can you assist me and have them removed. please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
Back in 2020 I was finishing my last semester but covid hit and my internet access was inturpted. Due to XXXX and the management of my building if you were not a tenet or had to interact with others in person they refused to fix my internet connection resulting in me not being able to submit my final assignments. I've contacted XXXX XXXX XXXX about this issue during this time in letting them know I couldn't submit my final papers and assignments using my hot spot from my phone. After awhile XXXX XXXX stopped responding resulting in defaulting my student loan. I have multiple emails as proof. Now I'm being sent to collections even though I've been back and forth with XXXX for the past three years. This situation was out of my control during this time everything was shut down in XXXX XXXX XXXX I'm asking for assistance before I process legel documents in civil court suing XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I financed a vehicle thru Santander Consumer USA on XX/XX/XXXX I put a down payment of {$8900.00} which I later found out that this act was illegal due to the fact that my social security number was used to facilitate this Consumer Transaction..After studying Consumer laws I found out that I was violated in many ways..I sent out certified letters to Santander to discuss remedies and I was ignored..Then on XX/XX/XXXX XXXXMy vehicle was unlawfully repossessed without any judicial action.. see 15 USC 1692 f

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
Someone is using my identity in the state of XXXX, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I have never lived in XXXX, much less have family in that state of the nation. All these last 25 years living in the city of XXXXXXXX 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 2023-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/XXXX I requested a refund of my student loan payments made in XXXX to Mohela. My payments were made to XXXX. Mohela took over my loans later in XXXX. I received a letter from Mohela ( see attachment ) stating I would be given the number to Customer Advocacy Team in 14 calendar days. On XX/XX/XXXX I attempted to contact this Team with the number provided but it was a non-working number. I called Mohela and they gave me another number which was just the general phone line not Customer Advocacy Team. They then stated they would transfer me to the resolution department, no one answered after 30 minutes on the phone. I called back and asked for a supervisor or the numbers to the Customer Advocacy Team or Resolution Department they stated they can't provide me with those numbers for me. I have been waiting for a supervisor and have been on the phone for 1 hour and 30 minutes. I have been told that Department of Education FSA are the ones who received my request for a refund of the loan payments. I have no idea if they actually received it or where they are in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
XX/XX/2023, I received a letter containing a preapproval for a Destiny Mastercard. I went to their website at www.destinycard.com and applied getting approved and receiving an email confirmation stating that I should receive my card in 2 to 3 weeks. 
XX/XX/2023, I called Destiny cards support number asking why I hadn't received the card yet to be told it was returned, so they asked me to confirm my address and they then told me that the address I gave them did not match their system and to confirm my last address which is where the card went even though I never provided them that address at any point other than during this call. The agent then updated my address and said I should receive my card in 10-14 days. 
XX/XX/2023, I call Destiny card again stating that I still had not received my card, which the agent then stated that it was shipped on XX/XX/2023 and should arrive shortly. 
XX/XX/2023, I receive the credit card in the mail and proceed to follow the instructions in the paperwork and the label on the card to activate the card ( attached picture labeled : card_label.jpg ), I am then taken to a webpage ( attached picture labeled : webpage.png ). at this point it is after hours for calling the Destiny cards support. 
XX/XX/2023, I call Destiny cards support number and explain to the agent that I can not activate my card because the webpage the card is telling me to go to does not exist IE the 404 error, the agent the proceeds to tell me that my account has been locked and that I now need to send in a copy of my drivers license to verify my address. At this point I am getting concerned that this may be a scam since they sent the card to an address I never provided, the activation page does not exist, they ignore the fact that the page doesn't exist and now they are asking for a copy of my drivers license. So I then tell them that I am concerned and ask to speak with a supervisor, I am placed on hold for quite a while and then the supervisor then asks me how he can help. I proceed to explain everything up to this point and again he seems to ignore my concern over the missing webpage and reconfirms that I need to send in a copy of my drivers license, I continue to get him to load the same page and he then tells me that the 404 means nothing and to look in the top right corner and click where it says " Get Started ''. For context I have been designing websites for over 20 years, so I know this is not how the page should be. 

So in conclusion I do not believe this company to be legitimate or is very incompetent and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: DC

Complaint narrative:
On XXXX XXXX I attempted to purchase a XXXX XXXX and XXXX XXXX at XXXX XXXX, they didn't have them in the store. I never left XXXX store with merchandise. I decided I didn't want it delivered because Best Buy had lost my Brothers Printer and destroyed my XXXX XXXX during XXXX deliveries. I decided I will pick them up from the store if available. Due to catching XXXX I wasn't able to pick the order up because of being quarantine. I've reached out to XXXX XXXX numerous times to say I wasn't feeling well and they said they will credit my account. After noticing being charged but not creditied on the statement. I spoke with XXXX at Citibank to file a dispute in XX/XX/XXXX on my bill. Citibank refused to take a charge dispute complaint and said I had to go to the store because it takes too long to dispute a charge. XXXX the manager gave me a copy of my orders and said I wasn't being charged on my credit card. I followed up with Citibank and XXXX said the dispute was resolved XXXX. I asked her did she need copies of XXXX final receipts, she said no. I asked to close the account. In XX/XX/XXXX, instead of getting a {$0.00} balance Citibank refused to resolve the issue, they mislead me to believe they resolved the matter and I'm still fighting late fee, interest charges to merchandise I don't have, harassment XXXX and Citibank has destroyed my credit. Citibank called themselves doing a dispute investigation in XX/XX/XXXX but it's no signature of me authorizing the charges. Citibank destroyed my daughters credit too by putting erroneous charges that belonged to my dispute on her credit report. I've asked Citibank to close ALL the accounts I have with them including XXXX because they make too many errors and do not protect the creditor. I have copies of all the information concerning this complaint. I want Citi to repair my 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 2023-07-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXXXXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { 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 2023-07-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
I received a call from rocket mortgage asking if I was intrested in a XXXX mortgage/line of credit. She had my information and my wifes, i do have a mortgage with them. I told the girl I was not intrested and was all set. She wouldn't shut up about it so I hung up on her. 
The next day, my wife calls me asked if I took out a 30 year mortgage with rocket mortgage. We only have 5- 6 years left. I did not, now I'm getting nervous thinking I scammed. I go on my rocket mortgage app and there it is, a 30 year mortgage with a loan number. I call up and they are telling me it not a actual loan yet and the call I got was real too. I tell them this XXXX XXXX and I want to escalate to a manager. XXXX XXXX XXXX XXXX I told them about the call, I want it off my my rocket mortgage app and not to call me. I'm glad I took a screenshot, it was gone after I hung up. It's deceptive and my heart dropped thinking I somehow got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I applied for a refinance and U.S. Bank refuse to provide me information on why my application was denied. I started the process last month, I have repeatedly request the lender to provide more information on my debit to income ratio denial to no avail.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
My checking account with US Bank was closed on XX/XX/2023. They issued me a cashier 's check which was stolen and upon investigation it looked like the perosn who stole the check was able to deposit the check into their account. I have been in contact with the bank since XXXX and i have not yet received a replacement check. My concern is that im not getting any update from the bank. Every time i call the customer service they are not able to tell me what is the status of my claim and advise me to go to a branch and when i do go to a branch they are also not able to assist me or even tell me what is going on. I have been very patience trying to get this resolved but im starting to get very frustrated because its been 7 months trying to get my money back from US Bank.They already know the name of the person who stole and deposited the check into their account and i don't know who that person is so why is it taking them this long to issue me a replacement check and go after the person who stole the check. Please 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 explanation
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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