vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2023-11-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2021 This account has incorrect information, I have never had late payments. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
During my loan with Bridgecrest, I had issues with returned ACH payments and incurred return check fees. Even after canceling auto pay, payments were still being debited, and the email notifications lacked clarity about which payments were being referred to, causing confusion.

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 2023-11-02 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: GA

Complaint narrative:
Account name XXXX XXXX account # XXXX has violated my right This been paid in full and put 2 late payments on my credit report.

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out 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 explanation
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account name XXXX XXXX account # XXXX has violated my right This been paid in full and put 2 late payments on my credit report.

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
report on XX/XX/XXXX XXXXXXXX  that inquiry about a JPMCB card on my credit report. 
want to file an unauthorized inquiry form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-11-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMS Financial, LLC
State: NC

Complaint narrative:
I originally agreed personally to repay a business obligation to XXXX XXXX XXXX XXXX  ( now XXXX ). XXXX sold the obligation to another entity SMS FINANCIAL XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.It appears that XXXX XXXX does not exist as Phone calls asking for him are transferred to a XXXX XXXX XXXX XXXX Initial contact by XXXX XXXX indicated errors in accounting in accordance with the original obligation in that the original contained no interest and several payments to SMS were credited to interest and not principal in opposition to the original agreement. I contacted XXXX XXXX by Certified mail Return Receipt and detailed the errors. I also requested a corrected statement of account.This contact occurred in late XXXX of XXXX. As of today I have not received a response and am preparing to make another scheduled Principal payment. What is the recommended wayto handle this situation? Thank you for your assistance and advice. 
XXXX XXXX XXXX I am trying to figure out how to attach copies of documents with no luck. willl keep trying

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am formally filing a complaint against Atlantic Union Bank due to their repeated failure to communicate mandatory overdraft policies and the ineffective resolution of my online banking matter. This complaint is directed to the CFPB for immediate intervention and resolution. 

Despite my explicit refusal of overdraft services upon opening my account, Atlantic Union Bank neglected to disclose their mandatory overdraft policy, leading to severe financial consequences. However, equally distressing is their inefficacy in resolving my online banking setup. Despite multiple visits to different bank locations, I was continually met with the absence of managerial presence, resulting in wasted time, effort, and resources. A month later, I am still being inconvenienced and asked to return to reapply for account setup due to the bank 's failure to properly guide the process. 

Moreover, the banks consistent failure to inform me, at any point during my visits, about the mandatory nature of their overdraft policy is a significant breach of trust. This repeated lack of transparency may potentially infringe upon consumer protection laws, particularly within the state of Virginia. Under Virginias consumer laws, financial institutions are mandated to ensure clear and transparent communication regarding the terms and conditions of services provided, especially those involving financial liabilities. 

This is not the first occurrence where Atlantic Union Bank has displayed negligence in providing essential information to its customers. Additionally, their ineffective resolution in the matter of my online banking further perpetuates a concerning environment of misunderstanding and potential legal discrepancies. 

I am urging the CFPB to conduct a comprehensive investigation into these repeated and concerning issues, enforce corrective actions, and ensure the immediate refund of all unjust overdraft fees imposed on my account. The charges, totaling between $ XXXX, are unwarranted and unjust given the bank 's repeated failure to communicate their mandatory overdraft policy and resolve my online banking matter effectively. 

I seek not only the reimbursement of incurred fees but also a firm commitment from Atlantic Union Bank to significantly improve their policy transparency and effectively address customer concerns, in accordance with Virginias consumer laws. 

Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: CA

Complaint narrative:
My aka name, current previous address, cell number, employment history, account ( XXXX XXXX XXXX XXXX XXXX XXXX - not mine ) mixed with someone.

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 2023-11-02 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: NY

Complaint narrative:
After reviewing my Equifax consumer report, there is nonpublic information being reported in my consumer report that is a result of identity theft. I never gave written permission/instructions for these companies to report this nonpublic information in my Equifax consumer report. Equifax never even disclosed to me that they received a request from such companies to report this information in my consumer report. Below I name the information that is result in identity theft XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Colorado Housing and Finance Authority ( CHFA ) is not allowing us to make a payment directly to our escrow account. They demand a payment of my mortgage payment before I can pay online. They said they would take a check, or payment online. I ended up making the payment on the phone, they did waive the fee after complaining. I was not provided a receipt and only a confirmation number. I asked for an email receipt in which they refused and said its not in their policy. 

I am requesting an investigation into this companies ' practices for billing and management of my escrow account. This company also refused to let me manager my taxes and insurance. They refuse to remove my escrow. CHFA is not in the fair practice of business in my opinion they lack credibility and seem to be all about profit not the consumer. 

If you look at their reviews online this story matches others complaints too. They have a XXXX start on XXXX XXXX XXXX  on XXXX and are one of the worst companies I have gone with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: IL

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under the 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C. 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
I recieved a letter on XX/XX/XXXX  stating they would close my account on XX/XX/. I called to question why, I was told that it was an error and he did not see a reason so it would not be closed. On XX/XX/XXXX  my account was in fact closed, she told me she did not have to give a reason. I asked multiple times why and she said they do not have to give a reason why. I have had this account for more than a few years which makes no sense since it was in good standing.

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 2023-11-02 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BMO Harris refusing to provide the checking account bank bonus after meeting all requirements. Contacted support but was not given updates and ignored.

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 2023-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Colony brands have been sending broken items not sending items for the last few months. They even shipped my shoes to Florida and shipped a lady from Floridas shoes to me. Me & the lady connected on XXXX. I will contact colony branch to return these items. This last time Colonie brands didnt wan na pay for a box to ship a chair back that was damaged. All of a sudden, my account is basically closed without my knowledge after colony brands gave me a credit increase. This company is now reporting to the credit bureau that my credit limit has decreased, which would decrease my credit score and this is false information. Call me branch stated that they can not please me as a customer because I wont accept their broken items or damaged items. I am OK with my account closing, but lying to the credit agency, saying that my credit line decreased because of something that I did wrong is lying, and it is against the consumer reporting act. I am OK with colony branch closing my account out, but you will not report to the credit agency negative on my behalf. XXXX my balance out on XXXXXXXX XXXX XXXX XXXX  and we can call it a day. You will not pass report to the credit agency negatively on my credit because youre products dont come to my house and when you do send the products, I get them broken or missing items. I will take this legal, it is a violation and I would not have it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
This is the second time that I received a notice from this Attorneys office claiming that I have an outstanding debt in the City of XXXX, State of Texas. The letterhead is from Linebarger Goggan Blair & Sampson, LLP Attorneys at Law. 
Their most recent communication states WARNING and that a warrant for your arrest may have been issued by the court. IF a warrant has been issued, you may be arrested at any time by any peace officer. This type of warning is threatening, scare tactic to attempt to collect a debt is against the law and a violation of the FDCPA. To add this is not owed by me to begin with. I dont have a TX drivers license as the notice states. I attempted to contact the number on their fraudulent and illegal notice and no one answers. Also I checked the XXXX  website and they have over XXXX complaints against them. Huge mistake of this was done in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was approved for a secured credit card with capital one. I paid the required {$200.00} deposit. I use it for a month and paid balance on the first statement. During the second cycle I use the cars and received a restricted alert. Capital one did not explain the reason or purpose but wanted 3 months of bank statements. I provided them with the statement and I was told the documents failed and my account was closes. They haven't told me a reason. I don't have a closing bill or what happen to my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: NE

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-02 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: CA

Complaint narrative:
My aka name, current previous address, cell number, employment history, account ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - not mine ) mixed with someone.

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