vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: FL

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 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 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 2022-12-07 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: FL

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  : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX 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 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 explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My brother XXXX XXXX owned a checking account with USAA and he died without a will on XX/XX/2022. I am his sister and I have been managing all his affairs. He had no assets other than a car that is owned by XXXX XXXX  and a bank account at XXXXXXXX XXXX that I have closed with a balance of {$1.00}. All his banking was completed through an account with USAA electronically. I have been trying for two months with phone calls, faxes and emails to have this account closed and the statements sent to me so that I can complete the notification to his creditors. I have submitted his death certificate and the affidavit from the surrogates office listing me as his administrator. They wanted me to return there to add USAA as one of his assets and I did that for another trip and expense. Each time I fulfill their requirements they tell me they have 15 business days to review the account and they never contact me. I call them and I am once again told that I need to complete another affidavit- as Executor- when he had no will and there is no Executor. Then I am promised a return call and never get one. I have been living through this nightmare for over two months now and getting no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TX

Complaint narrative:
In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 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 2022-12-07 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: TX

Complaint narrative:
In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX In ( Acct # XXXX ) The XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My XXXX loan with Navient was paid off on XX/XX/XXXX by the US Dept of Education. It has been over 6 weeks and my loan is still showing up on my credit report when it was paid in full over 6 weeks ago. This is damaging my credit score which is impacting my ability to obtain better interest rates, as I now show two XXXX  loans ( one with Navient and one with US Dept of Ed ) on my credit report when I only have XXXX loan with Dept of Ed. I emailed Navient about this on XX/XX/XXXX and they have done nothing to notify the credit agencies that my loan with them was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Investigation took more than 30 days
Company: CB1, Inc.
State: CO

Complaint narrative:
I submitted XXXX and the CFPB closed it immediately without even investigating this. It was marked as a duplicate .... which is NOT. That was the first time I've submitted a complaint regarding the following company. SO PLEASE WHAT IS REQUIRED BY LAW and investigate the following information. 


On XX/XX/22 I sent a letter to CBO Collections to valid a collection account they placed on my credit report. It is now XXXX and they have yet to reply. They can not validate this alleged debt and it needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore loan management and XXXX will not send me my original deed to luie documents. They are lying and playing games and I keep asking for them and I get nothing! XXXX has marked upy credit and they are in the wrong and trying to get money from me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was looking for a remote job and I got a job offer from XXXX XXXX XXXX and they set XXXX XXXX for an interview and i passed. They later told me that they are going to send me check so that I can buy computer and software. I get the check 2 days later on the XX/XX/30 and I go to the bank do deposit it but they tell me that they need to hold the check and check for authenticity and that it will be available in 2 days on XXXX. XX/XX/XXXX I get the check on my account and they tell me to buy the computer at the apple store and that I need to send them {$2500.00} for software. Ive never workers remote before so I though this was ok. They tell me to send the money through XXXX and I started to become suspicious so I called the bank that day XXXX and XXXX to confirm if the check is real and they say that the check is perfectly fine and there was nothing wrong with it and that there was money on there and that I dont need to wait 7 days and that the process was already done in the 2 days. So that erased my doubt and on XXXX I sent {$1000.00} and another {$500.00} to XXXX through XXXX. On Monday XXXX the bank takes all my money and now my account has over draft. I called the bank and told them about the whole process and they said they wont refund me the money and that I sent the money willingly. I WAS SCAMMED AND I KEPT ASKING THE BANK IF THERE WAS ANY ISSUE WITH THE CHECK AND THEY SAID NO AND IT WAS FINE. This is so unfair I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: WI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was in the process of hiring XXXX XXXX XXXX, XXXX to do a new concrete driveway at my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All communications after visit to site on XX/XX/22 were via email and phone calls from XXXX XXXX. I have emails dated XX/XX/22 - XX/XX/22. The actual scam began on email dated XX/XX/22 when what appeared to be XXXXXXXX XXXX message saying they would work my schedule after my walkway work was completed but they would need 40 % down which I sent via XXXX ' through my M & T Bank account. Since I had been communicating with XXXX via emails and text messages, I was led to believer it was actually him. It wasn't until XXXX when I got a message from XXXX XXXX XXXX saying their email was hacked and not to respond or send money to anyone. 
I have the emails and some text messages. Please help. I called my bank fraud line and filed a claim which they denied. The amount of the fraud is {$2300.00} sent via XXXX XXXX M & T Bank on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Retail Merchants Associates
State: LA

Complaint narrative:
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$440.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$1700.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$250.00} RETAIL MERCHT ASSOC XXXX in the amount of {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2022-12-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2022-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Veros Credit, LLC
State: NC

Complaint narrative:
was approved for auto loan and never recieved the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting Act Comenity capital BankXXXX XXXX XXXX has violated my Rights. 

15 U.S.C 1681 Sect 602 A states I have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666 B states 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I owed a debt to Capitol One. On XX/XX/XXXX of this year I received a letter stating that I paid them through XXXX XXXX XXXX  the agreed a pun amount to settle the debt. They then reported to the credit bureaus I still owed a high amount of debt. I called them back and asked why, they sent me a letter dated XX/XX/2022 stating that they sent the credit bureau`s an update and it may take up to 60 days to reflect. On XX/XX/2022 They reported to the credit bureaus I still owed a high amount. I have the letters they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/22 I purchased a refrigerator and an electric stove at XXXX to be delivered at my property ( for a fee ), and I opted to pay {$80.00} to haul away the old appliances. They delivered the 2 appliances on XX/XX/22 but didnt haul away the old appliances because of roaches. I contacted XXXX XXXX costumer services on XX/XX/22 to request the {$80.00} refund to my credit card and was offered a gift certificate of instead. I refused because I can only use at XXXX XXXX and I dont have anything there anytime soon. Then they said I had to go in person to the store and show my credit card in order to receive the {$80.00} refund. I believe this practice is unfair and abusive and would like help to make it right. Thanks.

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 2022-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX I signed on to XXXX XXXX and realized someone opened a loan at XXXX bank in XXXX Texas in my name. I have had fraud before and I immediately disputed this. XXXX XXXX checked the information and dropped the dispute. I live in California and haven't even opened a credit card lately because was working on increasing my credit score, nor a loan since college. I want this loan taken off my credit score because it is fraudulent. I will keep disputing it until this is done. Please I need your help. I am going to try to call the XXXX XXXX XXXXXXXX XXXX texas as well.

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 2022-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX, I took out a XXXX XXXX XXXX with Navient. I deferred payment until XXXX. Since XXXX, I have repaid my loan without lapse or default. Monthly payments range from $ XXXX per month due to a variable interest rate. In XXXX, my loan was originated for {$15000.00}. Today, despite over {$29000.00} in faithful monthly payments, I still owe {$20000.00}. Something about this math does not make sense to me and feels usury. I believe they packed the interest payments for the entire loan at the beginning and I'm just now beginning to pay of principal.

Company response to consumer: Closed with explanation