vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Home Depot is in debt collection on my credit. This is not my 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 non-monetary relief
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: NJ

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. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Hello, On XXXX  XX/XX/23, I contacted my financial institution ( Associated Bank ) which whom I bank with, to report fraudulent activity on my debit card which occurred on XXXX  XX/XX/23 in XXXX, MN. An unknown individual ( s ) was in possession of my debit card and fraudulently withdrew {$2400.00} from my bank account and also used the debit card at a gas station to make a purchase of {$36.00}. On XX/XX/23, I went to the Associated Bank branch on XXXX XXXX in XXXX, WI to file a dispute. The Banker informed me Associated Bank would initiate an investigation and try and get back to me with a decision whether my dispute was accepted or denied within 10 business days. I did not hear from Associated Bank so I called them on XX/XX/23 to inquire if a decision had been made. Associated Bank informed me that the dispute had been denied and they would not be crediting my account with no further explanation. Since this was clearly fraudulent activity, I 100 % feel that Associated Bank needs to credit my account.

I filed a previous complaint in regards to this matter and received a response from the business today that I do not agree with, They said I physically used the debit card in question after I reported the fraudulent activity but that is not possible as I was not in possession of that debit card. When I first filed the dispute with Associated Bank, I was told they would do a full investigation and look at the video footage of the cameras at the institution where the fraudulent activity occurred but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer 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 2023-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I telephoned Wells Fargo at XXXX at XXXXXXXX XXXX on XX/XX/2023. I spoke to XXXX. I made the following request : My landlord wants copies of my checking account statements. 

The only information I want my landlord to have is the deposits to my checking account and the balance of my checking account on the final day of each month. 

Please provide this documentation in PDF format. 

XXXX refused to honor my request. I asked to speak to XXXX supervisor. Next I spoke to XXXX. 

XXXX refused to honor my request. I stated that if my request was not honored, I would file a complaint with the Consumer Financial Protection Bureau and switch to another bank. XXXX still refused to honor my request. XXXX stated that she would provide me with a complaint reference number. XXXX did not provide a complaint reference number ; she put me on hold and did not return to the telephone. XXXX did not make a follow up telephone call to 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 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( A.K.A. XXXX ) account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX & 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 2023-03-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( A.K.A. XXXX ) account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Deposited a check to the proceeds I received after selling items from a reputable store into my Capital One 360 checking account via mobile app on XXXX  XX/XX/XXXX. A few hours later, received a notification from the company saying the deposit was successful. This was followed by an email a few minutes later saying that the Capital One reviewed the deposit and determined there's a risk the check will return - to protect me, they were delaying the availability of my funds until XXXX  XX/XX/XXXX. 

This was followed up with another email from Capital One saying that my account was being restricted until my recent activity could be verified. After review my accounts could be closed and all funds will be transferred to an externally linked checking account or sent to my by check. 

I immediately followed up with the store to see why and if their account had enough money to cover the cost of the check, which they verified that they did. 

I asked Capital One to call me back- since now my account was with a department that can not be reached directly via their customer service center but instead have to wait for them to call us back. 

I received a call from Capital One on XX/XX/XXXX saying the bank thought there was a high chance of the check being returned and to protect themselves they were cancelling my account. I have had similar restrictions placed on my account after receiving money from my XXXX program for a house downpayment and receiveing XXXX cash transfers from my fiancee in 2022- which were all ultimately resolved. 

On Monday XX/XX/XXXX Capital One successfully cashed my check- which I constantly reminded them would, based on the store 's assurances that they had more than enough money to cover for the check. My account remained frozen and Capital One did not take any action to move my funds to my externally linked checking accounts even though it is linked through the Capital One app. 

After leaving voicemails to their consumer protection department on the XXXX and the XXXX of XXXX, and receiving no reply on XXXX  XX/XX/XXXX I finally managed to call and reach their customer service and was able to connect to the consumer protection team- I was notified that my account was closed even though the check was cashed and that they would be mailing the remaining funds in my account via check even though I explicitly requested the funds be transferred electronically to my external checking account linked to Capital One. 

The bank has now not only closed my accounts ( 2 savings, 1 checking ) on a false premise that the check would return, but has also kept the money from the check for over 8 days - when I have an immediate need for the use of the funds including the paying of a mortgage, utility bills, groceries amongst others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Greetings I took out a personal loan through the XXXX, Michigan OneMain Financial branch in XXXX for {$7000.00}. I have twice asked for a payoff amount and no one can tell me what it is. 
I was locked out of my account for the last year. Once I was able to get into my account and look closer at my statements, I noticed that only a {$1.00} goes towards the principal and a {$170.00} is being charged for interest every month. At this rate, it will take me a lifetime to pay it off. Even after making payments arrangements after losing my home and becoming unemployed, they have constantly attacked my credit score to the point where I can not find suitable housing or affordable car insurance. I feel cornered and unable to do anything about this. It took me 2 years to get my XXXX and at this rate, I will never have this loan paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING. THEY DO NOT BELONG TO ME. THE FTC IS ATTACHED BELOW. WITH SUPPORTING DOCUMENTS.

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 2023-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX please delete hard inquires

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We received {$50.00} loaded on a VISA debit card issued by U.S.Bank Focus in XXXX XXXX for participating in a health study, including DNA, conducted by a U. of Florida group ( if I recall correctly ). 
I do not recall ANY notification about fees then, or at any time. 

We used the card once on XX/XX/XXXX, depleting the balance by XXXX to XXXX. 
That same month, we attempted to expand our usage of this bank to include a checking account that we could could with XXXX. We were totally unsuccessful in achieving that aim. Customer support via telephone seemed always to be someone who barely could communicate in English, requested that we submit multiple personal ID documents, never came to a post where we could deposit money. We are very concerned for the safety of our information, having been subject to identity theft in XXXX. 
Meanwhile, unknown to us, a clock was ticking that resulted in fees of {$2.00} being subtracted from the balance monthly starting in XX/XX/XXXX. 

We only discovered that these fees were happening when we used the card for an online newspaper subscription on XX/XX/XXXX, when we observed that {$10.00} had been depleted. 

Adding insult to injury, U.S. Bank is absorbing our local checking & savings institution, XXXX XXXX, as of XX/XX/XXXX. We can not trust the new institution to hold our funds and our identity. And, they are closing our nearby branch. 

The fees mentioned above are the very definition of JUNK FEES that Congress has indicated possible action on. I fervently hope that action will be taken.

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 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Simply put, among many issues ( some of which are reported here ), one of my loans was closed without my content. I had asked for a full refund AND to close the loan. The statement was clearly bound by the 'and ' yet without clarification or another word closed the mortgage. I then had no recourse to collect my money back or continue with the mortgage. They should either refund the full application fee or reopen the mortgage application as my intent was not to close it without the refund, hence the and statement. Thank you for understanding. 

Loan Number : XXXX Complaint against : XXXX XXXX | XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX | Office : XXXX | XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX | XXXX | Office : XXXX If the chase team wants to reach me can call me on my recorded line or leave me a VM. After many unethical actions by this chase executive office team, i am no longer able to take their calls on non-recorded lines. When they get my VM, they state they are still researching yet when called back from a non-recorded line they miraculaly make up facts and close the case at their convenience. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CarMax, Inc.
State: KS

Complaint narrative:
Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally financial account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-03-08 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: RFNA, LP
State: AL

Complaint narrative:
ACCOUNT IS PAID IN FULL. REPUBLIC FINANCE IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX

Company response to consumer: Closed with explanation