vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 2022-06-07 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-06-07 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello I contacted the Main company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX CA to run my credit with over XXXX different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX CA dealership XXXX XXXX, and he did apologize and admits this was done in error, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquires on my credit report that were all done on same day XX/XX/XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries. 
Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HAWAIIAN, INC.
State: GU

Complaint narrative:
We've had our First Hawaiian Bank credit card for at least 3 years now and their system has always processed the online payments the same way. For example, the due date is on the XXXX of every month and when I go online to make the payment on that day, they don't reflect the payment being made on time but instead, the payment is applied when they receive the funds. As a result, their system would charge me a late fee and an interest on the purchases but they would also AUTOMATICALLY REVERSE these charges. They've done this for the past 3 years and I always thought that it was a glitch in their system as they're the only bank I know that doesn't reflect the date the online payment was made. 

The problem started about 2 months ago when they stopped reversing these charges. Again, my payment was always made or scheduled on time - by the XXXX or XXXX of each month. Once I saw that these fees were not reversed, I contacted them and asked that they do the same thing. I was told that they would as a one-time courtesy but future payments would reflect a late fee unless they receive the funds by the XXXX. In essence, XXXX states that the due date is on the XXXX but in reality, the consumer has to make the payment XXXX business days in advance to avoid the late fees and interests. 

I pointed out that they're the only bank that does this as every financial institution that I deal with - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, even the XXXX and XXXX XXXX XXXX cards, show the date that the payment was made online. 

I received a standard " thank you for your email ... payments are reflected when the funds are received ... '' reply. I asked why but they kept repeating the same answer. 

I asked my friends and family around and they have the same experience. A few of them just paid the fees without question and I feel that that's a deceptive way of doing business. 

This needs to be changed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2022, I purchased a {$100.00} XXXX XXXX  card from XXXX  in XXXX, Virginia. When I got home to activate the card, it didn't work. I called the number on the XXXX XXXX card and was informed they proactive shut down the card due to suspected fraud. I gave them my information on XX/XX/XXXX to send a replacement card, which they claimed would be shipped immediately and arrive in a few weeks. 

As of XX/XX/XXXX, I have still not received my replacement card. I tried calling back several times today only for customer service to continually hang up on me. I can not reach anyone to resolve my issue, and I have no confirmation a replacement card is actually being sent.

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 monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This account does not belong to me. There were no bills provided on this account since the opening date. I was not at the residence during the time this account was opened or generated. This account was created in Fraud. I have explained this several times to the collection agency and they continue with scare tactics causing a tremendous amount of stress and XXXX. This fraudulent balance is affecting my way of life and preventing me from getting approved for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MO

Complaint narrative:
A friend asked me if he could send me {$3800.00} on PayPal and I give him cash so I agreed and we completed the transaction on XX/XX/XXXX. We initially tried this on XX/XX/XXXX but we ran into a hiccup and agreed to pick it up the following Monday. After the transaction was complete, I attempted to transfer my PayPal balance to my bank and the transfer was flagged and placed on a XXXX hour hold for investigation. After the investigation was complete I received a notice and email from PayPal saying I was no longer allowed to do business with them and that my funds would be placed on hold for 180 days. Ive tried to resolve the issue with them and apparently theres nothing that can be done to overturn the decision. Im fine with not being able to do business with them because I no longer have the desire to, but I demand my money be returned to me immediately. PayPal is stealing from me during my time of need. If my money isnt returned to me in 30 days, I will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I requested statements for my auto loan for year XXXX. Representative assured me they will be sent within 5-7 business days. Two weeks later i had to call back and they were unable to send me the request due to error of last representative. New representative is again unable to send me statements for XXXX since all my banking was online. My auto loan was through Suntrust and since the merger with Truist, they have unable to comply with my requests.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 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 2022-06-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give XXXX XXXX permission to pull my credit report I did not give XXXX XXXX permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give Advantage Credit permission to pull my credit report I did not give Factual Data permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit

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 2022-06-07 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

My name is XXXX XXXX. I have reached out to all of the three Credit bureau : XXXX, XXXX, Equifax several times nothing has changed. I would like all listed fraudulent accounts to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I Have been a card holder for quite some time and I have never experienced the kind of bad business experience as I Have with the merchant listed above. I tried to order a class ring, they could not get the text right on the ring I wanted, and the rep I spoke with on the phone could not speak XXXX XXXX too well, so I could not understand her too well, she hung up on me, so I told them to cancel the order on XXXX XXXX. I got a email today ( see attachments ), saying they have shipped the order after I told them I " CANCELLED THE ORDER ''. 
I see that I Have been charged for the order even though I requested it be cancelled within 24 hours of the ordering. As a American consumer, I do not have to pay for a service or merchandise I have cancelled before receiving it, and within a reasonable time limit before it is shipped, etc. I have a ' '' 'RIGHT '' to cancel a order and not be charged for it after it has been cancelled. SO, I am requesting that the charge be removed and my account be credited for the amount of {$270.00} since I requested the merchandise to be ordered before the merchant even processed the order, etc. I told them I ordered the ring from another merchant, which is my " consumer right to do so '', it's called " Consumer choice ''. I have provided in this correspondence attachments of copies of emails when I ask them to " CANCEL '' the order on XX/XX/2022.

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 monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was scammed by XXXX XXXX he has attempted to open numerous accounts and was successful at opening one under XXXX with my name as the buyer in Texas XXXX XXXX XXXX as the merchant he got {$9500.00} after I already informed Synchrony bank that this was fraud/ identity theft Their investigation took three weeks and they opened him another card saying that I was involved because he had my drivers license number. I called synchrony again but they gave him another credit card which cost me {$9500.00}. there are several other companies that I filed disputes with through XXXX that I have not been resolved that I need help with. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I was declined a account when I realized XXXX XXXX XXXX XXXX place my information in Chexsystems accusing me of account abuse, I contacted the bank on XX/XX/2022 and the manager I spoke with in the fraud department failed to confirm, what type of account abuse occured and proof of such. Further more I have disputed the accuracy of this information with CHEXSYSTEMS, but they have failed to confirm how they obtained this information, and did not provide me with proof that I authorized them to furnish or share any of my personal information, they responded back with verified by XXXX. 
They did not give me a name or any other documents showing proof of such verification The remedy I want is for this Information from XXXX XXXX XXXX XXXX to be removed and deleted from my CHEXSYSTEMS CONSUMER REPORT

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 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account # XXXX ARS Account Resolution 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 It is listed on my credit report 2 times and for the following 2 different amounts. {$1300.00} & {$370.00}

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 2022-06-07 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:
In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-06-07 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:
In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Paid card off in full for {$440.00} on XXXX XXXX Representative claims late fees have racked up and I owe over {$210.00} as of XX/XX/2022. 
Called a family member and lied to them saying I listed them as a reference. No references were required for this card. After learning this, I called and was told about the balance, but was told it was late fees and they would be waved on XX/XX/XXXX. I did a follow up call on XX/XX/XXXX and was told to wait until XX/XX/XXXX for the waived fees to finish processing. Called back on XX/XX/XXXX and was told the fees would not be waived and that there were no notes in the system and the confirmation number I gave was nowhere in the system. I was told it would be a few days before they could review the phone calls and see if someone did actually say they would wave the late fees on these calls. After saying this was unacceptable, the call was escalated and they are saying I am required to pay at least {$67.00} of these late fees that were slipped in after I paid off the card to a XXXX balance. They also told me they will keep attaching late fees to the {$210.00} on the account, including for this month.

Company response to consumer: Closed with monetary relief