vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: PA

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of 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 2023-02-08 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: PA

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My information was part of the data breach, and since then Ive been an victim of true identity fraud. I have unknown credit cards on my credit report from Navy federal credit union, discover credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
NCA
Last reported XXXX XXXX XXXX
XXXXXXXX
Open balance
XXXX XXXX XXXX
Original creditor XXXX  Opened
Account status
Type
Responsibility
Remarks
Original creditor name
XXXX XXXX XXXX (XXXX XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX and I am hereby requesting a review of the reasons Wells Fargo foreclosed on a property without giving me options that might have kept me and my daughters in our home. This letter comes to you, due to the headline The Consumer Financial Protection Bureau ( CFPB ) has ordered Wells Fargo to pay billions in fines and redress to mistreated consumers. 

Based on the information published, Wells Fargo has agreed to a {$3.00} XXXX deal with regulators to settle charges that it took advantage of customers on their auto loans, mortgages and bank accounts. 

My estranged husband had our mortgage taken over by Wells Fargo. In 2016, the bank closed. the property and displaced me and my XXXX daughters. As a result of this trauma, one of them moving around, one suffered a XXXX and her twin sister later on had a severe mental breakdown. 

At XXXX XXXX XXXX after 15 years were forced to leave and live in a transitory situation since then. The house was sold for $ XXXX nearly-300 % increase in value since the original purchase I am very interested in Wells Fargo has agreed to a {$3.00} XXXX deal with regulators to settle charges that it took advantage of customers on their auto loans, mortgages and bank accounts. 

We were forced out of our home, as demanded by Wells Fargo. 
I found out that Wells Fargo had foreclosed on a mortgage I found out my name was removed from the mortgage and property title without my permission or knowledge. 
I was informed by the Real Estate agent ( XXXX ) from XXXX XXXX XXXX XXXX XXXX worked XXXX with a Wells Fargo Attorney that I did not have the option to purchase. 

House location : XXXX XXXX XXXX, XXXX, New York Foreclosed in XX/XX/2016 ( surrendered keys ) I was told I could not short-sale the property and my ONLY option was to accept Wells Fargo foreclosure procedures, which I accepted- under duress, ( lack of knowledge and adequate information to make a decision that represented my best interest. 
I asked both the Realtor who was communicating ith me on the behalf ofbthd Bank ( offical/unofficial ) and the Bank Attorney about options both pushed the only foreclosure agendaXXXX XXXX XXXX XXXX XXXX XXXX benefited from our suffering. 

Thank you for your 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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Good afternoon, My account was abruptly closed by Capital One while always being in good standing. I filed a dispute of charge for an airline cancellation and next thing I know they are closing my account. I have several XXXX deposited monthly into my account and have never had a single problem. There only answer given is that it's a back of the house decision. I have contacted the customer protection department endless times including today speaking with a supervisor who only continues to talk in circles and likely is reading from a script. I feel like this decision was greatly made in error. They also have blocked incoming deposits and froze my money in the account while I was XXXX miles from home leaving me stranded. This to me is abuse by the company and has caused severe stress and anxiety as you can imagine. My last interaction is today XX/XX/XXXX at XXXX EST with a supervisor via XXXX consumer protection department. The relationship was abruptly ended on XX/XX/XXXX Email sent ending relationship copied below:XX/XX/XXXX Important Information About Your Account ( s ) Re : Your account ( s ) ending in XXXX XXXX XXXX , Weve decided to close your account ( s ) ending in XXXX because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. 



Your balance and any interest earned will be transferred to your linked external checking account within XXXX to XXXX business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within XXXX to XXXX business days. 



If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 


If you have any questions, please call us at XXXX, XXXX XXXX XX/XX/XXXX ET, XX/XX/XXXX days a week. 

Thanks, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One , N.A., Member FDIC. XXXX Capital One. 
*Note : Email is not a secured method of communication and Capital One makes no representations or warranties about the safety or security of any email you may send to us. Please ensure all personal information such as account numbers, social security numbers, etc. are removed from your response and/or documentation*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have an account with XXXX XXXX XXXX and I mailed a check with bill pay back in XX/XX/XXXX. Somone other then the intended payee cashed the check mobile deposit with BMO Harris bank and the account number it was cashed to was listed on the check. My bank filed a fraudulent claim in XX/XX/XXXX and they are still waiting on this to be resolved in XX/XX/XXXX and I have not received my money back for the forgery of the check.

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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
XXXX  Last reported XXXX XXXX XXXX XXXX
Open balance
XXXX  COVINGTON
CREDIT
Original creditor
XXXX  Opened
Account status
Type
XXXX XXXX
Original creditor name
XXXX XXXX XXXX (3 mos)

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: MD

Complaint narrative:
See document attached

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Scammer opened bank account in my name. They had my full name, SSN and address. I contacted Bank of America and they closed the account.

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 2023-02-08 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: GA

Complaint narrative:
Experian, XXXX, and XXXX have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with XXXX are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

Any and all consent to Experian, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' Experian, XXXX, and XXXX are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016

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 2023-02-08 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: TN

Complaint narrative:
Transunion has not properly corrected my credit report. I disputed XXXX XXXX XXXX XXXX. They have not reported my monthly payment for XXXX, my XXXX XXXX accounts run 2 months behind. My credit score has not moved in 6 months and I constantly pay my bills on time. in XXXX and XXXX my score is almost XXXX points higher. They had a XXXX old account they just recently deleted. This is not following the fair credit reporting act. This is a form of suppression with this company.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I HAD AN ACCOUNT OPEN AND CLOSED IN XXXX OF XXXX AND I CALLED IN TO REQUEST THE STATEMENT OF THIS ACCOUNT FOR THE MONTH OF XX/XX/ AS I AM DOING A MINOR AUDIT OF MY ALL MY CURRENT AND PREVIOUS ACCOUNTS AND WAS TOLD THEY DONT HAVE ACCESS TO THIS BECAUSE MY ACCOUNT WAS CLOSED AND ALL THEY WILL SEND ME IS A PAY OFF LETTER HOW CAN I FULLY DO AN AUDIT IF THEY REFUSE TO SEND ME MY RECORDS. WHEN CLEARLY IM WITH IN THE 7 YEAR PERIOD.

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 2023-02-08 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: VA

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of 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 2023-02-08 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: VA

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: VA

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-08 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: PA

Complaint narrative:
On XX/XX/2023 XXXX. XXXX, XXXX XXXX XXXX reported a late payment to the credit bureau.XXXX XXXX  violated my rights Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., ( is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies ). 
this violation occurred by XXXX XXXX XXXX XXXX  reporting negative information to the credit bureau on a accommodated account that was in good standing to which the account was not late under above state cares act. 
XXXX XXXX XXXX XXXX  also violated, my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) by reporting incorrect and inaccurate information to the credit bureau. You are reporting {$0.00} balance and never late on my XXXX report with a {$8600.00} balance on my transunion report and never late. With a balance on my Experian report of {$8600.00}. The monthly payment is reporting differently on all the credit bureau as well. This information is all coming from your company so it should be reporting the same but its not therefore this information is inaccurate and incorrect,

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 2023-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently pulled my free credit report and I noticed unauthorized inquiries on my report which led me to investigate further into these inquiries, someone has applied for 13 accounts. I have contacted the attached list of Creditors and informed them of this unauthorized use of my personal information.

Company response to consumer: Closed with explanation