vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: TX

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 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 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 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
On XXXX XXXX I applied for a personal loan through a company called Universal Credit. The loan was supposed to be used to help pay off some medical bills. The initial contact went well. I felt like I had an agent that represented the agency well until it was time for them to deposit the {$5000.00} check I had been approved for. The next day I had a different agent that had a XXXX  XXXX  accent he began reviewing my account and then stated I should receive the funds by XXXX. I then began asking how they would send the money if I hadnt signed paperwork and the agent transferred me to a supervisor named XXXX XXXX who then began telling me to download text free apps and any-desk which i found to be a hacking app. They then began depositing money into my account yet my bank placed a hold on it and when invoices that complaint they stated i would have to pay taxes to the ftc by simply going to XXXX and scanning a code. When XXXX failed they would say get XXXX  cards. When that wouldnt work and I eventually got tired of the run around they had someone call me claiming to be an officer XXXX XXXX from the county sheriffs department. The money was never deposited into my account and was ready for me to use. Between the XXXX and XXXX of XXXX this company deposited 6 fraudulent checks with incorrect dates and allotments. Now XXXX XXXX more in debt. Rent is due and i literally have no money. 
The phone numbers used for me are XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX The emails they used were XXXX XXXX XX/XX/23. {$990.00} XX/XX/23 {$990.00} XX/XX/23 {$2900.00} XX/XX/23 {$2900.00} XX/XX/23 {$2400.00} XX/XX/23 {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to contact creditors 6 months ago and no response. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-08-23 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: NC

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. 

Account name : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-08-23 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: NC

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. 

Account name : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank recently changed there online banking site. 
Since that time when I log into my small business account, everything comes up normal. 
I can see my account balances and debit card payments " BUT '' when I click onto pay bills a pop up appears saying lets get you started so clicked on it and verified that everything is ok then I click on pay bills the same message pops up over and over again. I physically went to a branch office in XXXX MA. The woman did all she could to try and resolve the matter, but she could not get any results. It has been over six weeks and no one has gotten back to me to try and resolve the problem. I have not been able to pay my bills on line and Most important I can not accesses past history or even look up the list of my customers or creditors. I cant even change banks because all my information can not be pulled up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2023, I applied for both a secured credit card and a pledge loan, but to my disappointment, both applications were denied. I find it puzzling since I've been a member for years, and because these accounts were secured, I felt a sense of discrimination as a XXXX XXXX male from an institution that I believed prided itself on being welcoming and family-oriented. However, I realize that my decision to file for bankruptcy earlier this year might have influenced the outcome. I also acknowledge that my financial difficulties might have caused losses for Navy Federal. 

Having spoken to numerous customer service representatives, I emphasized that I didn't want to file for bankruptcy protection. The loss of my job and the passing of my uncle due to XXXX have created significant hardships, making it challenging to meet the minimum payment requirements. 

On XX/XX/2023, I received a response within the Navy Federal app regarding a reconsideration for both applications, but they declined. On XX/XX/2023, I managed to speak with a manager who mentioned that they could remove the software block from my account, as evidenced in my attached screenshot, and they promised to call me back. However, to date, I haven't received any response. 

I'm interested in having the Consumer Financial Protection Bureau ( CFPB ) investigate this situation. I want clarity on whether a bank institution is legally allowed to take such actions. After reading numerous forums and hearing stories of others being banned from Navy Federal Credit Union, I'm curious to know if their practices align with constitutional principles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
While visiting in Colorado, I suffered an injury to my XXXX which required XXXX and XXXX. I have insurance ( XXXX through XXXX XXXX ) through the state of New Mexico which covers me out-of-state IF I am treated at an urgent care center, emergency room, or hospital. 

I do not understand why XXXX XXXX continues to have unpaid bills for me. I am not even sure where it is just doctors, or the hospital itself, or who they say I still owe. I have heard several different amounts being reported. There was a form that needed/needs to be signed and this was given to them. 

This has now been made more difficult because they have turned me over to a collection agency. I got repeated phone calls from the hospital and now from PFC USA ( Professional Finance Company, PFC USA, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CO, XXXX ). I have talked with my insurance company. They are trying to help, but nothing is being resolved. I have explained to everyone I HAVE INSURANCE, but of course, they just want the bill paid. I have always been very diligent about my bills, my accounts, etc. and have maintained an excellent credit standing before college, through college, and now after. I was very disheartened to learn of a XXXX point drop in my credit score. 

Please help me.

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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
For 2 years I have been told that my covid eidl loan funds were returned to the SBA in XX/XX/2021, only to just find out that Ally bank has been holding the funds in some type of holding account for over 2 years. I have been having to make payments on a SBA loan that I never had access to, meanwhile I have been constantly lied to by Ally bank, who said they returned the funds to the SBA. This whole situation caused me to lose my business in 2021, which is what the funds were meant to prevent.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : Ideal Auto Sales, Account name : Security Financial. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX XXXX and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 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 1 5 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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
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 I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX  XXXX  and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 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 1 5 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 2023-08-23 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have explained to the creditors before that I didnt recognize these items on my credit report and that my identity had been stolen at one point about two years ago. I have also submitted disputes and they still have not removed any of these items. As they can see I have had fraud alert on my ssn for a very long time due to the situation of my identity being stolen. These inquiries are fraudulent and I would like them removed!

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 2023-08-24 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXXD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: AZ

Complaint narrative:
hello on XX/XX/ of this year Experian was sent a letter to dispute my report for inaccurate information and have yet to get any response from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
XX/XX/22 XXXX and took wages out of my paycheck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: SC

Complaint narrative:
I DO NOT HAVE TO BE SPECIFIC AT ALL WHEN YOU HAVE DOCUMENTATION THAT I SENT CERTIFIED MAIL. YOU WILL BE SUED. REMOVE ALL NEGATIVE INFORMATION SUCH AS FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX AND ALL INQUIRIES ( ALL INQUIRIES ) OFF OF MY REPORT! EQUIFAX YOU ARE STILL IN VIOLATION OF BREAKING THE LAW. 

EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

I NOW WILL BE GETTING THE ATTORNEY 'S GENERAL, XXXX XXXX XXXX, LOCAL AND NATIONAL TELEVISION STATIONS INVOLVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have reached out trying to clear the charge off from XXXX  on this one Suncoast Credit Union personal loan to all 3 bureau 's. It was beginning of Covid XXXX, got behind on simply one personal loan. When I find out they charged off the load against my credit, I immediately paid the entire balance off on the loan and it has a XXXX balance. This is affecting my credit rating, there is a XXXX balance, i need this removed please asap. 

I added a screen shot of the XXXX balance on the loan on my XXXX XXXX credit report snip it. Please get removed off my personal credit.

Company response to consumer: Closed with explanation