vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA CLAIM # XXXX WHEN I CONTACTED BANK OF AMERICA AND ASKED TO VIEW VIDEO FOOTAGE OF THE FRAUDULENT ATM TRANSACTIONS THAT WERE DONE ON MY ACCOUNT AT THERE BANK OF AMERICA .IN XXXX XXXX ATM .I WAS TOLD BY A SUPERVISOR TO GO TO THE BANK AND SHOW MY ID AND GIVE CLAIM # AND THEY WOULD VERIFIDE ME AND I COULD GO BACK IN A COUPLE OF DAYS TO VIEW FOOTAGE WHEN I GOT TO THE BANK THEY TOLD ME TO GET THE FAX NUMBER OF THERE CLAIMS DEPARTMENT TO SEND SO WHILE I WAS ON THE PHONE GETTING THE FAX NUMBER OF THERE CLAIM DEPT THE GIRL THAT WAS HELPING ME WENT TO LUNCH OR SOMETHING BECAUSE NO ONE WAS AVAIL TO HELP ME FOR ONE HOUR SO AFTER THIS TASK WAS COMPLETED THEN CAME HOME AND THE NEXT DAY I CALLED THE BANK AND TALKED TO TALK TO ANOTHER SUPERVISOR AND WANTED TO MAKE SURE THAT EVERYTHING WENT THROUGH AND THIS SUPERVISOR INFORMED ME THAT THIS COULD NOT BE DONE THAT THEY WOULD EMAIL ME THE FOOTAGE OF ATM WITHDRAWS SO I CONFIRMED MY EMAIL AND i CALLED AGAIN THE NEXT DAY AND THE NEXT SUPERVISOR INFORMED ME THAT THAT COULD NOT BE DONE THAT I WOULD RECEIVED BY MAIL IN 10 DAYS I SHOULD RECEIVE FOOTAGE BY MAIL SO AGAIN JUST THOUGHT I WOULD CALL AGAIN THE NEXT DAY TO MAKE SURE EVERYTHING WAS GOING THROUGH AND AGAIN I WAS TOLD SOMETHING ELSE THAT ONLY POLICE DEPT COULD VIEW AND ANOTHER THING I SHOULD POINT OUT THAT EVERY TIME YOU CALL CLAIMS DEPT IT TAKES ANYWHERE FROM 20 MIN TO ONE HOUR TO GET THROUGH TO A SUPERVISOR THAT IS IF THEY DON'T HANG UP ON YOU WHEN THEY TRANSFER YOU 1. TOLD I COULD VIEW AT BANK IN TWO DAYS 2. TOLD I WOULD RECEIVE BY EMAIL 3. TOLD I WOULD RECEIVE BY US MAIL IN 10 DAYS 4. TOLD I COULD NOT VIEW ONLY POLICE COULD VIEW THEN AFTER ALL THIS MY CLAIM WAS DENIED EVEN THOUGH I TOLD THEM THAT THIS VIDEO FOOTAGE WAS IMPORTANT BECAUSE THERE IS A CURRENT COURT CASE IN XXXX OF 2022 MY CLAIM WAS DENIED THEN I FILED FOR A RECONSIDERATION OF MY CLAIM AND IT WAS DENIED IN ONE DAY

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 2022-05-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

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 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I checked my credit report to see a loan in collections from " XXXX XXXX XXXX' ( which is a scam, and not my debt. ) I disputed the debt multiple times. I am now AGAIN receiving a bill from the debt collectors for {$1700.00}

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 2022-05-28 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: MD

Complaint narrative:
On XX/XX/2022 Wells Fargo authorized an illegal ATM withdrawal of {$700.00} from my bank account at XXXX XXXX XXXX XXXX MD XXXX, rendering my account balance at {$1700.00}. I didn't leave out my home on XX/XX/2022 to make the transaction. I also don't have an active on-line banking service. It wasn't until I visited the XXXX ATM branch on XX/XX/2022 that I discovered the illegal withdrawal from my account. I visited the on-site banker staff person to report my complaint. The female banker did contact the Wells Fargo customer services department to report and initiate the complaint. The female banker, who was very shallow in her dialogue, exchanged agent query with me, while confirming the withdrawal was transacted at the ATM closest to the front door. The female banker confirmed the claim processed as requested. The claim # is XXXX. My ATM card was closed out and a new ATM card was requested. I did receive the new ATM card via USPS. I later received a response from the Claims Assistance Center ATM/Debit Card Claims XXXX XXXX XXXX XXXX, NC XXXX XXXX the form of a letter, dated XX/XX/2022. The letter stated : We have completed our research of your inquiry about charges of {$700.00} on your account above. Based on the information available to us, and because the transactions were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission. Please consider your claim closed. If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making decision, please call us at XXXX. I contacted the claims center on XX/XX/2022 for clarification and advice, but unfortunately the agent just parroted the response letter 's content. I called back a second time on XX/XX/2022 to request the documents used to make their decision to be sent to my home address for future references and proceedings. Nobody 's money is safe, if the bank can just say, " Oh you did it, because someone used your card and PIN ''. I felt vilified for being an apparent identity theft victim. The dispute process was very generic and non-invasive. " I'm the victim of a bank robbery, by a 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 2022-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recieved a letter from Navy Federal Credit Union ( NFCU ) dated XX/XX/2022 stating that I had been denied a line of credit after I've submit and application on XX/XX/2022 for the purchase of a used automobile. The letter also informed me of my " credit score '' and the day they made a consumer report inquiry. The letter also stated that they " are unable to give specific reason why we denied credit to you. '' This leads me to believe that this is a discriminative action due to my heritage. This is a direct violation of 15usc1691a ( 1-2 ) I am of the XXXX XXXX XXXX and we are often treated unfairly. Their action of " denial of credit '' also is a direct violation of my federally protected consumer rights according to 15usc1681m and 15usc1691d ( 6 ) ( Adverse Action ) 15usc1681n ( willful non-compliance ), and 15usc1681o ( negligent non-compliance ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I just found out yesterday XXXX I can not finance my home at the rate of 2.5 % do to the fact that rates went up to 5 and 6 % I have been try ing to my house refinanced since XXXX ofXX/XX/XXXX but due to your mistake of recording two partial claims I Could not get this through till one of the partial claims you recorded by accident was removed I have contacted you weekly on getting this removed so I could get this done but you guys kept put me off waiting on the phone for hours paid for an appraisal that now I cant do so due to all the pain and suffering that you have put me through what are you gon na do about it

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 2022-05-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times

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 2022-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On the XXXX of XXXX some one sent me {$20.00} PayPal said that I would have to wait six working days because it was an E-Check the six working day fell on the XXXX of XXXX I still don't have my money now they want me to wait longer that's not in their policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28 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 XXXX  accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Mail Current Status - Processed For Delivery ( XX/XX/XXXX XXXX PM ) Letter Mailed Date and Time XXXX XX/XX/XXXX XXXX XXXX  Pass through - Standard Recipient Address - XXXX XXXX  XXXX XXXX XXXX PA XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in 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 2022-05-28 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:
In accordance with the Fair Credit Reporting Acct XXXX  XXXX XXXX XXXX XXXXXXXXXXXX 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 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 2022-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Resources, Inc.
State: FL

Complaint narrative:
Yes XX/XX/XXXX my wife and I applied for a FHA loan through Elend-American Financial and we went through approval had everything done survey appraisal engineering inspection shopped for homeowners it underwriting keep asking for more bank statements even after the funds was verified and each time money went in and out I had to so invoice or receipt ( self employed ) of where the money went or come from so after the funds was verified I didn't use the account anymore because of the hassle of showing where it went or come from showed taxes for XXXX and XXXX as XXXX was my bad year for covid my work slowed down at end of XXXX and half of XXXX as I'm a XXXX and no one wanted me in there homes well after going around and around with underwriter on XX/XX/XXXX I asked to speak to a supervisor it's been 3 months 4 closing dates pushed the underwriting kept wanting more bank statements but as soon as I asked to speak with a supervisor on XX/XX/XXXX on XX/XX/XXXX they made a decision they couldn't do the loan because differences in income now my wife makes XXXX a month and was also on the loan so there's really no reason I shouldn't have gotten the loan they said all the covid breaks only applies for XXXX not for XXXX and they couldn't do the loan because different in income from year to year now this is weird after all that they so they can't do the loan and no real reason why except I filed a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXXXXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

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 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX  ) Account number XXXX 3. ( XXXX  ) Account number XXXX XXXX. ( XXXX  ) Account number XXXX 5. ( XXXX XXXX Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards 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 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 Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 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 2022-05-28 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: TX

Complaint narrative:
I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.

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