vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 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: OH

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. 

XXXX Account # XXXX, has violated my rights. 
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 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 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 2022-07-03 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: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX 1 ) XXXX XXXX XXXX # XXXX, 2 ) XXXX XXXXXXXX # XXXX3 ) XXXX XXXX # XXXX, 4 ) XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
As a XXXX citizen, I am requesting that {$1000.00} that was fraudulently XXXX XXXX XXXX from my account. US Bank is aware of how customer 's accounts are being compromise. I filed a complaint on XX/XX/2022 pertaining to US Bank. I will continue to file complaints until I receive the {$1000.00}. I will file a class action law, so other seniors and US Bank customers can join in the lawsuit. 

Again, XX/XX/2022, I received a call from US Bank per my caller ID. The caller stated my account was compromised and {$3000.00} was stolen from my account. In order to received the funds back, the caller stated that I had to XXXX ' the money back to a certain person per instruction from the " US Bank '' employee. I XXXX ' {$1000.00} and when I noticed that the money was not going back to my account I hung up and called US Bank. Immediately, I filed a dispute. Subsequently, I was denied several times. 

When researching scams and fraud, I noticed the below statement on US Bank website. The paragraph from their website is the exact scenario that occurred to me. Again, I must say that US Bank is aware that their customers are being " ripoff. '' The paragraph below is my proof. I am requesting the {$1000.00} that was " XXXX '' from my account. 

XXXX XXXX are fraudsters who reach out to you by phone instead of email. Theyre after the same thing as phishers your confidential banking information. Fraudsters can spoof caller ID to make it look like a call is actually originating from U.S. Bank. So how can you tell whether a caller is the real deal? 

Its simple. U.S. Bank will never call you and ask you for your account numbers, Personal Identification Numbers ( PINS ), or any confidential information. Do not provide any confidential information over the phone unless you initiated the phone call. Hang up and call U.S. Bank at XXXX if you suspect fraud. Call XXXX ( XXXX ) for all other customer service concerns.

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 2022-07-03 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TX

Complaint narrative:
in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, Capital XXXX account # XXXX type of account revolving, the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor

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 2022-07-03 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 act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, XXXX XXXX XXXX # XXXX type of account revolving, the following inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXX or Transunion credit reports. 

The XXXX XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!

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 2022-07-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXXXXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXXXXXX XXXX XXXX credit reports. 

The XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: KY

Complaint narrative:
On XX/XX/XXXX at XXXX pm, the Discover Bank sent me an email stating that they were writing to let me know that they noticed unusual activity on my checking account ; and they had suspended access to my checking and savings account after I submitted a transfer of my own funds. They tried to block my own funds from transferring. On XX/XX/XXXX, and XX/XX/XXXX, I received an email from XXXX, and CFPB, about the responce letter from the XXXX XXXX XXXX XXXX XXXX stating that on XX/XX/2022 that they had completed an additional review of my accounts ; and at that time the freeze was lifted, and the decision to close my account was overturned. On XX/XX/XXXX, I spoken to the security team about the situation of why my account was frozen. An after further review, she stated that what caused my account to freeze was I canceled my transfer. I asked her how can my account cause suspicious activity when I don't have access to a debit card? And after having a complete review, the freeze was lifted. During the evening time, I got tired of the situation ; it was stressful for my work and time, that I decided to call the customer representative to request to close my account. As the customer service representative seen that my checking and savings account was in good standing, for some reason, he stated that he could not close my account, and then transferred me to the security team. That kind of sounded suspicious because normally a customer service representative has authority to close accounts if you ask. To clear the rest of my own funds from my checking and savings, I transferred from my savings to my checking and scheduled a transfer. A few minutes later when I logged back into my account, it was frozen. There was a message inside my account that stated " please contact the customer service immediately regarding your bank Discover account. We routinely monitor account information and transactions, and have identified unusual activity on your account, for accounts with unusual activity are not displayed. Please contact customer service. '' The call volume was so high between 2 to 3 hours of waiting time. Everyone on social media, and all over the internet were complaining about the same problem. I like to request my funds, and wish to close my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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 and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX. XXXX XXXX Account:XXXX  XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
XXXX all of which has violated my rights. 

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

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXit was sold to XXXX XXXX XXXX their sister company..it 's not with Wells Fargo ... .nothing but stress and years of them taking advantage of 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 2022-07-03 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-07-03 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: NY

Complaint narrative:
n accordance with the fair credit reporting act convergent 1 ) XXXX XXXX XXXX # XXXX, 2 ) XXXX XXXXXXXX # XXXX,3 ) XXXX XXXX # XXXX, XXXX ) XXXX XXXX  # XXXX, has violated my rights.

15 U.S.C 1681 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-07-03 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: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX  XXXX ) XXXXXXXX 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 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: OH

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. 

XXXX Account # XXXX, has violated my rights. 
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 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 2022-07-03 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: OH

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. 

XXXX Account # XXXX, has violated my rights. 
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 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 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 2022-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a XXXX XXXX card on Sunday, XX/XX/2022. The card is issued by Synchrony bank. When I went through the application process, I requested a credit limit of XXXX or XXXX, I honestly dont remember which it was. 

Sadly, synchrony bank did not approve the credit extended but they opened an account with a {$2500.00} credit line. 

I saved the terms and conditions shared during the application process and I have not been able to locate a section that indicates I consent to the opening of an account that has less favorable terms than I applied for. It is my understanding that if an applicant os extended credit terms that are less than requested, Reg B requires notification of that decision and express consent to proceed with the new credit terms. I did not provide either. 

I have called the company numerous times and spent hours asking staff to validate I agreed to the less than requested terms and no one has been able to do that. In fact, staff has openly said the info is not on disclosures and a supervisor named XXXX indicated its Synchrony policy to proceed with application and not provide an adverse notice outlining the counteroffer. I believe based on the information Ive been provided, that Synchrony is engaging in UDAAP - unfair, deceptive, and abusive acts and practices and in violation of Reg B. 

Additionally, I was told to contact the credit reporting agencies to dispute the application which to my understanding is unacceptable as the bank should have a satisfactory compliant/compliance management system. 

My expectation was to have been extended a counter offer, which I wouldve declined ; instead an account number was opened. I was told if the account number would be reported to my credit bureau, I would have to request to close the account, and it would be reported as closed per customer request.

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 2022-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My husband and I applied for a mortgage with Navy Federal Credit Union XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, Navy Federal pulled our credit again WITHOUT our consent or awareness. The Navy Federal lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to XXXX ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and XXXX have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that Navy Federal Credit Union perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the NFCU representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief