vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXXXXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 XXXX  account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 instruction.

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 2022-04-04 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 XXXX  account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed complaint XXXX with CFPB. Experian responded that they would investigate. They did not all they did was send me an email with a link to dispute inaccurate, outdated personal information. This is not a dispute. I have never had 11 addresses. So much of the information is wrong I should not have to DISPUTE my personal information.

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 2022-04-04 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: CA

Complaint narrative:
Utility company XXXX XXXX charged off a utility account under my name and social in XX/XX/XXXX in the amount of {XXXX}. The account was opened in XX/XX/XXXX. I live in California and have never lived in Texas. 
The account is listed on Experian and XXXX credit reports but may be listed in XXXX as well. 
I disputed the account as " not mine '' with Experian in XX/XX/XXXX but the account was just updated to " disputed '' but not deleted. 
I called Experian who advised that it appears to be fraud and I place a Fraud Alert on all three credit bureaus.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Someone used my information to open a chase bank account online and deposited a fraudulent check into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Re-multiple complaints to Chase Bank Claims Department For Two XXXX transactions on XXXX XXXX for {$2000.00} and another on XXXX XXXX for $ 2,000Case stated on these dates that these transactions were cancelled due to y previous account history. Great. However. I have been pleading with them to place my money back into my account. I never authorized these transactions. I made a police report. With XXXX county Sheriffs Department. This was fraudulent. Im XXXX  and XXXX it took me a very long time to save these monies. Please help. There is much more Scam information I can provide upon your request. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
CIG willfully and criminally failed to respond to a debt validation letter that I sent on XX/XX/2022. Which violated the law pursuant to15 U.S. Code 1611- Criminal liability for willful and knowing violation.

Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

CIG is also in violation pursuant to 15 USC 1692g ( b ) which states, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. CIG has tried on multiple occasions to collect the alleged debt and have not sent me a verification of the debt. Attachments are below.

CIG is in violation of 15 USC 1611 which states criminal liability for willful and knowing violation. CIG has failed to provide information they are required to disclose under provisions of this subchapter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Someone in my home stole my debit card and used it for ATM withdrawals and in store purchases between XX/XX/XXXX and XX/XX/2022. I filed a claim and they refunded the in store purchases, but they denied my claim for the ATM withdrawals. 

They say it was because my PIN was used and obviously whomever took my card had my PIN. I told them at the time I was not the one who did the transactions. They stated a police report was not necessary to file my claim but then they denied my claim for the ATM withdrawals and are now requiring a police report which I did file. The wait for a copy of a police report is 6-8 weeks which will take me outside my 60 days to dispute the charges. 

I dont see how they can refund my in store purchases which also had a PIN used but deny the ATM transactions in which my PIN was used as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XX/XX/XXXX there was unrecognized transfers from my Western Union account. I immediately called western Union to notify them or the 3 transactions that appeared suspicious and not initiated by me ( XXXX # XXXX ) & ( Case # XXXX ). 
- Western Union opened a case and notified me that the transactions will be cancelled and my bank account from where the money was being drawn will be blocked so that no further transactions or money is drawn. 

The following day 2 transactions were still processed for {$1400.00} each, and when I called WU, they are not agreeing to reverse the transfer or credit the money back. 

There is serious flaws in their system controls and they take no accountability at all let fraudulent activity occur. 

Also to note the transfers were made to accounts that I do not recognize, and western Union did not even notify me of any new payee accounts being added to my account. 

I am losing {$2800.00} and they are not taking responsibility at all, despite me warning about the unrecognized transaction. 

Can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: TX

Complaint narrative:
In XX/XX/XXXX, someone approached me via XXXX and tried to be friend with me. I accepted the request. From XX/XX/XXXX to XX/XX/XXXX, we had exchanged messages on XXXX and she persuaded me to learn cryptocurrency trading from her. She even guaranteed to make profit from the get go. I hesitated for a while, but couldn't resist the temptation of making quick profit. I registered an account on a trading platform called XXXX, and started transferring money from both my bank account and IRA account. 

The following is the receiving bank information : Name : East West Bank Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX Routing Number : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Name : East West Bank Account Name : XXXX XXXX Trading Limited Account Number : XXXX Bank Code : Same as above Routing Number : Same as above Bank Address : Same as above Phone number : Same as above However, on the morning of XX/XX/XXXX, when I open the mobile app to check my account, I found out that the mobile app is disabled and I cant access to my account anymore. I immediately reach out to that person for help via XXXX. But the message couldnt get through. I started calling her and the trading customer service, but I failed every single time. They just disappeared all of sudden. Then I realized that I become the victim of internet crime activity. 

The information of that person and customer service representative is listed below. XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX : XXXX Marital Status : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Customer service representative : Name XXXX XXXX XXXX Phone Number : XXXX The fund on my trading account disappeared too. My total investment loss is {$200000.00}. I have reported this incident to my local police department and my financial institution XXXX. I have all the information and documents to support. However, the purpose of this report is to file a complaint of East West Bank for being potentially associated with fraud activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When I was XXXX XXXX XXXX ( sometime between XX/XX/2008 and XX/XX/2008 ; turned XXXX on XX/XX/2008 ), my parent/legal guardian/father had me sign a paper to take out a private student loan for {$10000.00}, I was not aware of/did not understand what I was signed. He was the co-signer. I was unaware of the loan and loan payments until after I graduated and the loans went into default, negatively impacting my credit and leading to extreme financial hardship. 

I did not understand how inappropriate this was at the time as I was in my early XXXX and frantically scrambling to make payments in the face of constant calls from Navient asking to collect on the loan. The loan has since been paid in full by me. However, now that I am an adult and have a better grasp on the situation, I have a better understanding of the situation and am looking to take action to recoup the money paid from either the institution or the co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CA

Complaint narrative:
Utility company XXXX XXXX charged off a utility account under my name and social in XX/XX/XXXX in the amount of {XXXX}. The account was opened in XX/XX/XXXX. I live in California and have never lived in Texas. 
The account is listed on XXXX and Transunion credit reports but may be listed in XXXX as well. 
I disputed the account as " not mine '' with XXXX in XX/XX/XXXX but the account was just updated to " disputed '' but not deleted. 
I called XXXX who advised that it appears to be fraud and I place a Fraud Alert on all three credit bureaus.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have been trying to dispute fraudulent information that I noticed have been reported on my credit report by XXXX. Several months back I had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in the XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On or about XX/XX/2022 I lost online access to make payments to my Paypal Credit account via the Paypal App ( Android ), or on the Paypal.com website. This line of credit is provided by XXXX Bank ; XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

In speaking with both parties I have been unable to resolve the dispute, and was informed by a XXXX Bank employee that XXXX Bank does not offer online payment processing directly to Palpal Credit account holders. 

The lack of online payment processing places both Paypal, and XXXX Bank in violation of Paypal Credit Terms And Conditions under the Payment Options clause which states " You can pay by mail, online or by phone. '' The inability to pay online is no small inconvenience in the age of the Internet most Americans make a majority of their payments online in 2022. As a consumer revolving credit account " The Terms and Conditions, '' stipulated that the ability to " Pay Online '' would be available to Paypal Credit Account Holders as part of the Agreement, or terms of contract. 

Payment under the Uniform Commercial Code is no small matter, and neither is impeding payment by denial of service. I ask that Paypay either re-institute online payment processing through their XXXX app, and/or website showing good faith in their obligations to Paypal Credit Account Holders to whom they are in breach to at this moment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
XX/XX/2017 shows ineligible for PSLF due to forbearance that was placed on my account. I did not request this forbearance. At the time, FedLoan servicer representative assured me that this month will count towards PSLF and that forbearance will benefit me due to issues with re-certification that year. I request that Fedloan servicing pulls that phone call and they listen to it. 
I request that this month counts towards PSLF as an eligible month. 

My second issue : I requested that period of full time public service combined with period of in-school deferment be counted towards PSLF. Fedloan servicing does not show anything on my account from XXXX. During this time I worked for a qualified employer so I am requesting that this period counts towards PSLF under the Limited Time Waiver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act .... 

XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three 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 explanation