vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was a customer of Union Bank in California since XXXX. I discovered in XXXX of this year, that Union would be absorbed by US Bank. Knowing this, I called both Union and US Bank to be advised on where I should pay my current Union Bank credit card. I paid it out of my Union Bank checking account as I was directed to do by both banks. I paid the amount that was due for the month on XX/XX/XXXX - {$780.00}. 
When Union Bank transferred all of my accounts and funds to US Bank, I saw my credit card balance was {$2200.00} which still included the amount that I had paid, {$780.00}. My payment was not credited or processed. 
For the last 5 months, there has been no way to contact Union Bank or a working website or any of my past emails. 
Since XXXX, I have been on the phone and in the offices od US Bank trying to resolve this issue. As requested by the bank, I have filed reports of findings as to what has transpired over a dozen times. Ive spent countless hours doing this. Below are key bullet points of what has conspired. 
1. Made sure I Paid Union Bank credit card via website as instructed ( {$780.00} ) - XX/XX/XXXX. 
2. US Bank transferred/absorbed my accounts- XX/XX/XXXX. 
3. My Union Bank credit card balance did not reflect my payment when transferred to a new US Bank CC. 
4. Multiple US Bank credit card and checking account managers have told me that over XXXX Union Bank customers are dealing with this same issue and that it should resolve when everything is fully integrated but it has been too long. 
Furthermore, the credit card managers keep sending me to the bank managers and vice versa. Nobody will take responsibility. 
5. I have submitted additional reports of what has transpired and all have resulted in letters asking me for statements that I can no longer access. Union Bank is completely shut down and when I would click on a past Union Bank email it would directing me to a US Bank log in. Today, when I click on past Union Bank emails, nothing comes up. 
6. Throughout this period, US Bank assured me the card would not acquire interest as this was being figured out, however, the bank did charge interest every month and I had to continually call to get the interest taken off. 
7. I have transferred my US Bank credit card to another bank card to avoid further interest charges.

Again, I paid my monthly credit card amount due and the amount was not credited.

8. I finally contact XXXX XXXX, XXXX XXXX XXXX President to get help on XX/XX/XXXX. After two months, all he did was send it to another Branch Manager who has no idea how to solve the problem. In the past, they blame the credit card company. It is clearly the fault of US Bank/Union merger as records were lost.

9. Please help me.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX  ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. XXXX, Equifax and XXXX has ignored my requests and I would like this account to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX  ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. XXXX, XXXX and Experian has ignored my requests and I would like this account to be removed from my file.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
The Department of Education and Nelnet has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am writing to formally dispute certain fraudulent inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company put in Put inaccurate information On my request report, the balance is wrong. I paid it off. Please remove this from my credit for file. This information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
Cedar Business Services has reported a collection account from another country ( XXXX XXXX XXXX ) to my US credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the hospital and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax repeatedly refuses to make sure that its reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HGREG.com
State: FL

Complaint narrative:
I bought a XXXX XXXX vehicle on XX/XX/XXXX, which had problems on the fourth day after purchase. They made me sign the contract without explaining anything to me about what was in it. Their justification was that everything was for my credit approval. On XX/XX/XXXX, the vehicle was requested to be repaired on the XXXX day since it had overheating problems and an hgreg Manager told me that he would repair it for free since it was within the warranty period, at that time it was declared that the vehicle would be repaired for free since it was within the 5 days in which I could request a full refund of my money, they told me that the vehicle could be repaired that Friday, so on Monday they would contact me. They called me on Monday telling me that they would send me an address to go and leave the vehicle since it had overheating problems, I waited all day and that address never came, it happened on Tuesday and that's why I called again on Wednesday and just At that moment they gave me the address over the phone, on Thursday I couldn't take it and on Friday, XX/XX/XXXX, I called them because when I started the vehicle it still had the fault and I told them that it needs a tow truck, which they sent it to me on Monday. XX/XX/XXXX, since then I have never seen the car again until today, they told me that the only fault it had was the water pump that the vehicle would be repaired by XX/XX/XXXX, on the XXXX I They say that the vehicle had a failure in the head gasket that they requested and it would arrive on the XXXX, in that process I requested by email via text and call the return of my money since I did not want the vehicle that failed on the XXXX day of purchased, they do not give me a response and I go to the scene on XX/XX/XXXX to tell them that I do not want the vehicle, we cancel the contract and they tell me that the engine is damaged and that they are not going to be responsible for the repair, something that was never reported on. I believe that they damaged the engine while making the changes and since I asked for the refund they did that damage on purpose. I have a camera outside the house that shows that the vehicle was stopped. I assume that they did the damage when they changed the gasket. cylinder head, they damaged the car since engine failure was never reported until I personally went to hgreg they want to blame me for the inefficiency of their mechanics making me spend more money, they never told me anything about the extended warranty, they never changed the car 's oil, they postponed everything, I have more statements from people to whom they did the same thing and we are managing a class action lawsuit in addition to taking this to the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I have written to Transunion multiple times INSTRUCTING them to honor my right to privacy by removing this account. Each time, they have IGNORED the codes I presented and proceeded to tell me that the account is mine and that the account is accurate and also that the account " meets FCRA requirements '' ...

BUT, this CREDIT ACCEPTANCE account is indeed NOT in compliance with FCRA requirements because again, my writtent instructions was/are for Transunion to remove/delete this account immediately from my credit report.

Also, how am I to know that this account is mine if they are not showing the full account number??... As you can see, they are reporting the account with asterisks! ( XXXX ) Therefore, this account is NOT mine and I do not approve of an UNKNOWN account reporting on my credit report. 

I would like to conclude with the fact that during their " investigations '' on this matter, at no time did they provide me with the details of any investigations... I have the right to know who ALL exactly did they talk to and their contact information so that I can verify what parts of my information was shared and exactlty how they came to their conclusions for my complaint.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written unwritten verbal or nonverbal per 15 U.S.C. 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.

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 monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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:
I submitted a dispute requesting proof of debt on XX/XX/XXXX and XX/XX/XXXX of 2023 and have not received validation of the debt from XXXX and Transunion.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX I did not have late payments XXXX XXXX XXXX I did not have late payments XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX I dont recognize XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX  XXXX This is not accurate. 

XXXX XXXX XXXX I did not have late payments XXXX XXXX XXXX I dont recognize XXXX XXXX I did not have late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following personal information is 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 non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a Bank of the West customer, which merged into BMO. I had a person XXXX me money using my mobile number. Previously I have used XXXX with another financial institution which I have not had for a year as well as with Bank of the West. When I received the XXXX payment on XX/XX/2023 at around XXXX I got a text message to enroll with XXXX through my financial institution. I went on the BMO website and enrolled with XXXX through BMO. I received an email from BMO welcoming me to XXXX. On the BMO website meanwhile I was given an error, that my phone number was previously used at another financial institution and therefore I can not use it with XXXX on BMO. I contacted BMO support they told me there is nothing they can do without previous institution releasing my phone number or " token '' from XXXX. I contacted my previous financial institution. They told me my phone number had no XXXX profile with them. They gave me XXXX 's customer service info. I contacted XXXX customer service. They told me my phone number was not associated with any kind of XXXX profile and I was free to use it with any institution I wanted. I contacted BMO again to let them know of this information. They told me there is nothing they can do, that I should register a new phone number ( I only have a single phone number ) and then have the person re-zelle me with this new telephone number. They hung up on me multiple times after I told this this was not a possible option. My transaction is now sitting in XXXX waiting to be claimed. BMO will not do anything about it, meanwhile XXXX is saying that this phone is free to be claimed.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the CEO of XXXX someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its XXXX thats violating the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the CEO of XXXX someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its XXXX thats violating the FCRA

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