vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 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: NY

Complaint narrative:
HI 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 non-monetary relief
Consumer complaint received 2023-05-27 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: CL Holdings LLC
State: TX

Complaint narrative:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: NY

Complaint narrative:
HI 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 non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OR

Complaint narrative:
I wrote a check to XXXX XXXX XXXX to make a payment for my visa account on XX/XX/2022 in the amount of {$590.00}. I mailed the payment from my drop box at my local post office. The check was cashed by XXXX XXXX  XXXX XXXX and on XX/XX/XXXX of XXXX my bank, KeyBank funded the check from my account. I didn't realize what had happened until my payment to XXXX XXXX XXXX was not credited to my account. XXXX XXXX XXXX  said it could take 2 billing cycles to resolve. After I water for 2 billing cycles, I spoke to the fraud dept of KeyBank and they said I needed to filed a police report and fill out their paperwork and they would send it on to the fraud dept. The bank said it could take 90 days to be resolved. I have called every month since then and Keybank says they are waiting for XXXX XXXX XXXX XXXX XXXX to refund my money or that they will email the fraud dept. again but, they never call me back. It has been a year and I feel I should have been refunded by now. 
It is not my fault that XXXX XXXX  XXXX XXXX funded this check and Keybank paid XXXX XXXX XXXX XXXX XXXX as well. 
This account is in my XXXX mothers name and I am a signer on her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I recently got a loan for XXXX XXXX with West Lake Portfolio, and I wanted to change my recurring payments to a higher amount. I was didnt have the ability to make changes and called customer service. Since, I have scheduled additional payments toward the loan, but I have not received confirmation of the payment via email. I have also checked my account and no scheduled payment ( s ) is available for me to view, change, or cancel. Ive contacted their customer and they cant find the payments I have recently scheduled in their system. It has been quite an awful customer service experience. As a customer I should be able to view all scheduled payments and have the ability to edit or cancel, which is not allowed in their customer facing platform. West lake Portfolio Management is not a good service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Collins Asset Group, LLC
State: TX

Complaint narrative:
I received a threatening letter from XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Phone ( XXXX ) XXXX. This law firm is claiming to be a debt collector trying to collect a debt that monies are owed to Collins Asset Group , LLC. I responded to the law firm asking for the XXXX XXXX XXXX to send me the name and address of the original creditor and if I do not respond by XX/XX/XXXX the law firm will sue me. I responded/disputed to XXXX letter XXXX choosing " I want you to send me the name and address of the original creditor. '' On XX/XX/XXXX, I received another letter from XXXX XXXX Firm stating that they have advised their client ( Collins Asset Group , LLC ) to update the matter as disputed. 

I believe this loan was fraudulently made using my name. I did not receive an amount of {$7400.00} into the XXXX account because I did not bank with XXXX in XXXX. I did not sign a contract by XXXX Bank- the loan agreement shows a XXXX signature and this is not my signature. The signature looks to be forged or digitized. The loan agreement shows 15 pages but I only received 11 pages from this law firm.

I reviewed my bank statements and personal information and do not have any deposits into any accounts of the amount {$7400.00}. The paperwork I received from XXXX XXXX XXXX ( document labeled XXXX XXXX ) sent the document with pages 12-15 missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Fraud. 
Someone opened Goldman Sachs credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both Goldman Sachs nor XXXX. 
Froze all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Nothing happened and CFPB side with the bank and closed out my complaint What happens now? 
You dont need to do anything else. The complaint process is complete. 

We have taken the following additional actions on your complaint : We added your complaint to our Consumer Complaint Database Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and to other consumers who may have the same issues and concerns.

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 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My Debit Card was lost or stolen around XX/XX/2023. I did not know that it was lost/stolen due to being VERY sick, to a point that I had to be XXXX, then I was released to my daughter house in XXXX, MN. Then few days after I was released I was diagnosed with XXXX, and due to my age and health condition it was very hard. 

Then on XX/XX/2023 I had a XXXX on my XXXX, and I couldn't XXXX XXXX for almost 2 weeks. I did email copies of my Hospitals and Clinics visits to Wells Fargo Fraud Department to show that I was at a healthcare facility almost daily for 3 months. 

Once I felt better and was able to go back home on XXXX, I checked my Wells Fargo App and saw SO MANY transactions on my account that I did not do. I looked for my Debit Card, and couldn't find. 
I called Wells Fargo Customer Service, and they transferred me to their Fraud Department, and they closed the Credit Card on XX/XX/2023. However, they still authorized some Transaction on the CLOSED DEBIT CARD until XX/XX/2023. 
Wells Fargo refused to credit my account back the money that was stolen from my account. They gave me several excuses. I filled a police report, and it was investigated by a Detective and found that I had ID theft. I called Wells Fargo Fraud Department again and was told a case XXXX  XXXX in an amount over {$2200.00} was closed without any action from the bank.

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 2023-05-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$630.00} Experian credit bureau Should delete these accounts, since they are closed and no longer valid on the consumer credit profile.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting XXXX inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include XXXX 30 day late payments posted in XX/XX/2018 and XXXX 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and XXXX 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-27 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received an email about my email being listed on the XXXX XXXX  and my identity being compromised looking into my credit profile. I noticed all these charges. The only thing that should be on my credit inquiries are my XXXX XXXX XXXX XXXX which is the bank I bank with a transaction from XXXX on finance and a XXXX  credit card. I am requesting these inquiries be removed immediately. I have also added another freeze to my profile. 

Thank you for your prompt attention to this matter!

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 2023-05-27 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: GA

Complaint narrative:
Credit card company is reporting unlaw information on my credit report under fair credit act law 15 us 1681eb. 

The company had also reported card # XXXX as charge off with the IRS in the amount of {$1500.00}. 

The company had also reported card # XXXX XXXX as charge off with the IRS in the amount of {$1400.00}. 

Since the company reported a tax write off, they are required by law to send me a 1099C. 
in which this company refuse to provide me a 1099C. Reporting a canceled debt to you and to the IRS when a lender forgives an outstanding loan I owe, and I'm no longer responsible for paying it. According to the IRS, that canceled debt is taxable income to me and must be reported on my tax return. 
Lenders must issue Form 1099-C when they forgive debts of more than {$600.00}. 

They did not describe in details their firm 's charge-off procedures as they apply under the Sarbanes-Oxy Act of 20022 ( Pub. L 107-204, 116 Stat. 74 )

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 2023-05-27 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: GA

Complaint narrative:
Credit card company is reporting unlaw information on my credit report under fair credit act law 15 us 1681eb. 

The company had also reported card # XXXX as charge off with the IRS in the amount of {$1500.00}. 

The company had also reported card # XXXX XXXX as charge off with the IRS in the amount of {$1400.00}. 

Since the company reported a tax write off, they are required by law to send me a 1099C. 
in which this company refuse to provide me a 1099C. Reporting a canceled debt to you and to the IRS when a lender forgives an outstanding loan I owe, and I'm no longer responsible for paying it. According to the IRS, that canceled debt is taxable income to me and must be reported on my tax return. 
Lenders must issue Form 1099-C when they forgive debts of more than {$600.00}. 

They did not describe in details their firm 's charge-off procedures as they apply under the Sarbanes-Oxy Act of 20022 ( Pub. L 107-204, 116 Stat. 74 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: CA

Complaint narrative:
Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both XXXX XXXX nor XXXX. 
Froze all credit reporting agencies.

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 2023-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both XXXX XXXX nor XXXX. 
Froze all credit reporting agencies.

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 2023-05-27 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: CA

Complaint narrative:
Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to equifax on XX/XX/23 No action yet taken from both XXXX XXXX nor Equifax. 
Froze all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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. 

I told Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX is on Equifax twice as an account. Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Citi for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Citi detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Citi rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer ri I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Citi is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that Citi fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 

Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Citi and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.

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