vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX & XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
On Thursday XXXX XXXX I applied on line for an Avant MasterCard. I had been receiving literature from them for years encouraging me to apply. I never responded because the APR was quite high at 34 %. As a XXXX XXXX I rely on my pension and social security for my primary sources of income. I have been XXXX XXXX for the past 37 years and still work occasionally. The brochure that I received from Avant stated that I had been " pre-approved '' for a {$1000.00} line of credit. I realized by filing out the application that my credit report would take a " hard hit '' but I assumed, wrongly as it turns out that I would be approved.I 've been trying to improve my credit rating so I can either refinance my house or take out a reverse mortgage. My self employment income is based on voiceovers. 
Iv'e been doing this since XXXX. Unfortunately, as a free lancer, the opportunities have been few and far between lately. The last thing I need is a negative hit on my credit rating. 
Having been in the XXXX XXXX  for nearly forty years I recognize false advertising when I see it. Avant is guilty of that in no uncertain terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My last complaint that was sent to the CFPB was close on XX/XX/XXXX and Transunion indicated that they sent me a letter to send in my ss card. I did not receive the letter. I spoke to a supervisor at Transunion ( XXXX ) on XX/XX/XXXX and she informed me that there isn't a note in the system stating that TU sent out any type of correspondence to me and that they do have a copy of my ss card, dl, utility bill, and affidavit that was received on XX/XX/XXXX. Not sure why Transunion sent in a fraudulent statement as if a correspondence was mailed to me but my rights are being violated. I've sent in numerous dispute letters with my ss attached that are recorded in Transunion 's system. I would like my case handled immediately. I will mail a certified letter AGAIN containing my dl, ss card, and copy of the CFPB dispute which was closed due to lies by TU. File # 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 2023-02-24 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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

Complaint narrative:
Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit 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 non-monetary relief
Consumer complaint received 2023-02-24 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:
Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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:
Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit 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 2023-02-24 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: MD

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX XXXX XXXX XX/XX/XXXX 2 XXXX XXXX - XX/XX/XXXX 3 XXXX XX/XX/XXXX 4 XXXXXXXX XXXX  - XX/XX/XXXX 5 XXXX - XX/XX/XXXX 6 XXXX - XX/XX/XXXX 7  XXXX  XXXX XXXX XX/XX/XXXX 8 XXXX - XX/XX/XXXX 9 XXXX - XX/XX/XXXX 10 XXXX - XX/XX/XXXX 11 XXXX - XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX - XX/XX/XXXX 14 XXXX - XX/XX/XXXX 15 XXXX - XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX - XX/XX/XXXX 18 XXXX - XX/XX/XXXX 19 XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX XX/XX/XXXX 22 XXXX XXXX XX/XX/XXXX 23 XXXX XXXX XX/XX/XXXX 24 XXXX XX/XX/XXXX 25 XXXX  XX/XX/XXXX 26 XXXX XXXX XX/XX/XXXX 27 XXXX XX/XX/XXXX 28 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 30 XXXX - XX/XX/XXXX 31 XXXX XXXX XX/XX/XXXX 32 XXXX XXXX XXXX XX/XX/XXXX 33 XXXX XX/XX/XXXX XXXX4 XXXX - XX/XX/XXXX 35 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove it from my credit report XXXX 

The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank has put a hold on my checking account. They want to verify my trust information. I have provided this information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Every time they say they have enough information and that the back office has to review it. Every time I went into the branch office I took my entire trust document to them. 
I have money in the account just can not write a check or pay bills on line from that account. 
I have talked to the local branch manager who seems to be trying to resolve this issue but she can only send messages I am told. She seems to think they have the documentation that they want and says they have approved it but is still waiting for the restriction to be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carringhton Mortgage company increased my escrow d for almost {$300.00} without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had a Wells Fargo account and was charged excessive overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Quick Silver Credit Card I was never notified that my 0 % promotional interest period ended early ( supposed to be on XX/XX/XXXX ) and was charged the interest fee. 
I paid my account in full and requested that the charge be reversed since Capital one did not notify me of this change, and after going back and forth with the first representative, she hung up in my face, I tried recording the phone call and when I mentioned I was recording the call, they would stop speaking and say they would not continue unless the call was not recorded. Although they are recording the call, so why is it a conspiracy to them when a customer is recording them! 
Date of the call to Capital one : XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX as well as XX/XX/XXXX I contacted all 3 credit bureaus in regards to fraudulent accounts on my credit reports. I also contacted XXXX XXXX XXXXXXXX about the {$4500.00} on my credit in XX/XX/XXXX and was told there were no accounts in my name or under my social. I never signed anything for this account. LVNV funding in the amount of {$20000.00} was not opened by me and I never signed for this account. I tried reaching someone about this but no response received. XXXX account {$510.00} was not opened by me. I filed a dispute for this account XX/XX/XXXX. My identity and social security card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My savings, checkings and credit account all were randomly closed by Chime on XX/XX/23, over {$52000.00} in totality of the accounts. I received an email stating the balance of these accounts would be put into the checkings and a check for the total would be mailed to me within 30 days. I have received a check from Chime for {$59.00} and after multiple ignored emails to Chime about this major discrepancy I called Chime Customer Service on XX/XX/23 and XX/XX/23, during both these calls Chime confirmed the check should be for the balance of over {$52000.00} but could not explain why this was not the case and said they would be escalating the case further up the Chime team because they could not solve the problem. On XX/XX/23 Chime sent one email stating Your account was identified for closure and does not qualify for a refund. No further explanation on where my money is or why I received a check that Chime has verified to me was for the incorrect total.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: MD

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX2 5 XXXX XXXX XXXX 6 XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXX 9 XXXX XXXX XXXX 10 XXXX XXXX XXXX 11 XXXX XXXX XXXX 12 XXXX XXXX XXXX 13 XXXX XXXX XXXX XXXX 14 XXXX XXXX XXXX 15 XXXX XXXX XXXX 16 XXXX XXXX XXXX 17 XXXX XXXX XXXX 18 XXXX XXXX XXXX 19 XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX XXXX 22 XXXX XXXX XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX 25 XXXX XXXX 26 XXXX XXXX XXXX 27 XXXX XXXX 28 XXXX XXXX XXXX 29 XXXX XXXX 30 XXXX XXXX XXXX 31 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 33 XXXX XXXX 34 XXXX XXXX XXXX 35 XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX 

The following inquiry is more than XXXX years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: GA

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 XXXX, XXXX XXXX XXXX XXXX  own XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MI

Complaint narrative:
I attempted to make a money transfer to my son to be husband in the country of XXXX and it was denied and said that my account was blocked and they have no way of unblocking it. I asked for a reason and why y account was blocked and they said the decision was final and they can not unblock it. They would not tell me the reason and I feel that I should be able to know the reason why they are denying me service. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I was trying to get a second loan to help me with my finances, since I recently retired. I got a loan approved but when the lender ordered a preliminary report it showed a lien from XXXX XXXX loans from 2006. A collection company call Real Time Solutions is telling me that they bought this loan and it is my loan! I have been telling them that I don't remember having a line of credit with XXXX ever. They sent me a deed of trust with a signature that doesn't look like my signature with no date next to the signature! Also, I just received a list of payments made to this account for about a year which I don't know who made them because I don't remember making any payments for any line of credit. 

Please help me get the problem resolved, I don't have any money to pay for an attorney to help me. 

Thank you so much for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation