vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously filed a dispute regarding a collection account ( XXXX XXXX ). I disagreed with results. XXXX hastily completed their investigation and stated that the account belonged to me. I was disputing the amount owed. If they would look at the numbers submitted by XXXX then it would be 0bvious that there are no itemized charges adding up tom XXXX Furthermore after I complained about XXXX and transuion preventing me from obtaining my report in an easy and timely manner. Here is my new complaint : On the XXXX of XX/XX/XXXX, I opened myfico account and and my XXXX credit score was XXXX. Today XXXX days later it is XXXX. Transunion went down to XXXX. How is this possible when my credit limit went up on my XXXX XXXX card and the balance of my XXXX  XXXX card went down. I also paid off my personal loan and have not been late on any payments the last 6 months. Meanwhile XXXX raised my score today to XXXX .... Are XXXX and Transunion retaliating because I closed my monthly account with them and then filed complaints against them both? I have to believe that I am being punished. I am a XXXX XXXX XXXX XXXX veteran trying to get a car and an Apartment. How the heck can my scores go down almost XXXX points in XXXX days. XXXX, please enforce whatever rules that XXXX and Transunion are breaking. There is No way that my score could drop that much that fast. And to make matters worse XXXX and Transuion listed the XXXX XXXX account as new when it has been there since 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 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing this letter on behalf of the Fraud Report I recently filed due to the fraudulent and unauthorized transactions initiated on my account. There has seemed to be a mistake of a Reversal that Bank of America processed for the amount of {$1100.00} on XX/XX/XXXX XXXX the compensation that I am entitled to regarding this financial lost. Having that I called Bank of America customer service on the matter multiple times there were multiple instances where I was informed that my claim was believed to be getting denied because of speculation of the user being familiar of the PIN code with the magnetic chip used on the Debit Card. I understand in that specific case could be misconstrued into false accusation of the Owner of the Account being the only one having that information. In my circumstance would be inaccurate being that my mobile phone is a factor in the matter which had my sensitive information located within my notes including my PIN, Email Password, etc. The unauthorized use took effect when the person accessed and obtained the sensitive information that was located in the notes of my mobile phone for personal financial gain. I am writing this letter supporting my recent claims and re-presenting the knowledge that I believed was overlooked during the investigation of my previous filed claims. Seeking to have this matter resolved i wish to lift the XXXX XXXX Reversal action that was put into effect to my account. I am demanding Bank of America reopen my claims immediately so I am provided the proper compensation based on part of the agreement that was made when opening the account stating that Bank of America Customers would not be liable for any fraudulent transactions that transpired on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: IN

Complaint narrative:
after opening a checking account with " Discover Bank '' on XX/XX/2022, they froze my account on XX/XX/XXXX, XXXX took me 7 days to get my account unfrozen. ( they could have asked photo ID at the opening of the account ) I had a few scheduled payments during that time they all got returned and other companies charged extra service fees. I asked discover to cover those service fees, but they declined. so I decided to close my account with them, and they told me it will take 60-90 days to get my money back. This is beyond acceptable please help me get my back soon. if you look at XXXX and XXXX  reviews you will know this is not a unique case they have been doing this to everyone, please stop this predatory behavior from big companies like discover. I want to tell everyone that do not bank with discover. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I made a payment to my XXXX Credit Card managed by Comenity Bank. I paid the account balance in full on XX/XX/22 for {$760.00} in advance of my due date. I was later billed interest and fees that I was not anticipating. Since I had paid my balance in full I was not expecting additional statements and I did not see any statements come through with a balance due until I received a late notice in XXXX. When I received the late notice, I paid a balance of {$28.00} which solely consisted of bank fees and interest billed after I had paid my account off. This resulted in negative reporting to the credit bureaus and dropped my score over XXXX points over {$28.00}! This is the only derogatory remark on my credit report and should be removed as I paid my balance in full and the late reporting only consisted of miniscule banking fees!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: IL

Complaint narrative:
n accordance with the Fair Credit report act XXXX  Acoount # 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.

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit report act XXXX Acoount # 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.

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit report act XXXX  Acoount # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD, 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 explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to dispute a billing error in the amount of [ $ XXXX ] on my account. The amount is inaccurate because [ as described before the service wasnt provided I have been overcharged ]. I am requesting that the error be corrected, that any finance XXXX included and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of [ original contract matching payment records- denied letter - merchant invoice send by chase ) supporting my position. My claim XXXX was denied for XXXX different raison based on false document from the merchant -Please investigate this matter and correct the billing error as soon as possible. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C.
State: CA

Complaint narrative:
I was attempting to do a mortgage with filo mortgage, since they offered the lowest interest rate. XXXX was working with me but completely stopped communicating. He wouldn't answer my calls or texts. I eventually called to get a new loan agent to work with me. He at first sounded interested, but then said XXXX 's supervisor said it looked too complicated. They discriminated against me, because we had rental properties, which would be a lot of work for their company. They didn't send a 'not approved, ' they just completely cut me off ... so that they wouldn't have to work with me, since my file was more complicated than someone with a w2 for instance. 
Btw, we closed with a different company within 60 days, so it was very much doable. 
I didn't like being cut off ... and discriminated against. 
I can also pull up call logs and show the refusal to answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal deposits daily XXXX XXXX 11 months. Only to be denied all ise of paypal funds. As i contiue to watxh 3rd party complanies as Venmo, And transfer company moving funds that i am told are unaceesible or unavaible. I have thosuamd of proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 2022-06-25 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, has violated my rights. 

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

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

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Original service date was XX/XX/XXXX, a bill was never sent to either of my insurance companies in which I submitted billing information while in the ER. They never sent a bill originally, then then statement they sent me was void of a CPT code. I sent the statement to my insurance company who DIRECTLY requested a BILL w/CPT. They never answered and reported it to THEIR COLLECTIONS AGENCY this Collection agency. 
Now this agency has reported to PAID BY INSURANCE ( as of XX/XX/XXXX ) bill to CREDIT BUREAUS STILL as Unpaid and has dropped my credit over XXXX points!! I have disputed it numerous times even after the XXXX contacted them showing that it was PAID by INSURANCE and a bill of {$0.00} owed they STILL REPORT IT AS DELINQUENT as of XX/XX/XXXX XXXX and XXXX Dispute Results!! AT THIS POINT THEY KNOW THEYRE LYING and deliberately reporting inaccurate information. I have sent them PROOF OF INSURANCE PAYMENT for the {$900.00}. This needs to be REMOVED from my credit and my Credit score needs to be RESTORED!! I have contacted this collections company numerous times and THEY KNOW its PAID yet they continue to DAMAGE MY CREDIT BECAUSE THEY IMPROPERLY ACTED!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Innovis is in violation by reporting innacurate information on my file. This company claims that theyve somehow verified the account of XXXX but did not do their own investigation correctly. I would like to demand that a reinvestigation be done the correct way and I would like to see the documents such as names and contact information of employees that this company spoke with to complete their investigation. Ive sent in many letters and this company has sent back generic letters responding to my dispute. I am exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to properly reinvestigate my dispute. Once this company is unable to verify this account that is reporting on my file, I would like for it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX AXXXX HXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XX/XX/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