vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/22 my phone was hacked and 3 transactions occurredon my device totaling {$470.00} on my cash app. In order to stopthem from stealing anything else, I disconnected the data frommy device for a little while. I then did a factory reset to removewhatever gained access to my device. I contacted cash appimmediately once I could download the app again. They sent mea message asking me to fill out questions 1-3 and that questions4-7 were optional. I filled out all questions. These are thequestions : XXXX. What is your legal name, $ Cashtag, email addressand/or phone number linked to the account associated with the'unauthorized ' activity? 
2. What are the dates/times and amountsfor the transactions that you believe are in error? 
3. Why do youbelieve the transactions were unauthorized?

4. What is themake and model of the device ( s ) you were logged into when thetransactions took place? 
5. Which city & state were you locatedin when the unauthorized transactions took place? 
6. Did youforward or provide any account access information to a thirdparty? 
7. Were you instructed to download any other apps otherthan Cash App to access the account in question? 
They sent mean email advising that the investigation could take up to 10 days.In less than 48 hours they sent me a message stating that mycase was closed and denied. They also said, " We compared the transactions you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. '' If they looked at my transaction history at all then they would know that I have never used bitcoin and don't send money to people not on my contacts list. At the end of this email they suggested I secure my account using best practices indicating that they know I was hacked. I NEED my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/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 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am trying to send money to another Venmo user and it will not allow for over a week now. Four attempts to resolve with Venmo they are useless... .keep responding with " packaged '' responses that they are not at fault and I should just use another form of payment. This is how they run a business and keep customers? Disgraceful. They have wasted time and money for me and refuse to fix the problem and be help accountable. Something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
I never applied for any of these account. These account are fraudulent and I have no knowledge of these 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 non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified by email by Experian on XXXX that my credit score decreased. They provided no explanation, either on their website or in the email as to why it decreased. I called the customer support number of XXXX to ask. The automated system only allowed two options to report fraud or request credit report. Would not allow me to talk to live person to explain as to why my credit score decreased.

Why does Experian get away with decreasing credit scores without explanation and why does Experian not allow us to talk to live person. Its my credit score, not there's.

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 2022-06-02 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
2 Bank accounts were opened in fraud using my identity- XXXX XXXX XXXX XXXX 

Citizens Bank Account : Around the beginning of XXXX, XXXX  an account was opened in my name. 
I did call and report this to the company and so they have all the supporting evidence. ( I can not find this in my archives! 
I received a letter XX/XX/202 about taking further action via the FTC. 

_________________________________________ XXXX XXXX Account : On XX/XX/2022 I received an e-mail from XXXX XXXX  that XXXX XXXX  : Checking Account was open : XXXX Savings Account was open : XXXX The accounts were linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

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

15 USC 166b : 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 explanation
Consumer complaint received 2022-06-02 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Unauthorized charges were made on my account with Truist I advised of a lost phone and wallet at the time and identity theft and they still charged my account. I have an affidavit that is notarized that my account or identity was stolen at the time and had a previous identity theft note on my credit just lifted before opening the bank account. I know it is against consumer law for them to charge me for checks that I didnt authorize or use.

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 2022-06-02 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I recently checked to see if I was eligible for a new credit card through Chase since Ive had such a great experience. No where within the application screen did I sign an esign act consent or advise I obtained a credit score notice so there should not have been a hard inquiry on my credit report. I would like this removed as required by FCRA. The company made the page intentionally deceptive on mobile applications so that the consumer would not be aware what they were agreeing to. When I reached out to Chase to get this corrected, what I experienced certainly wasnt customer service. The agent advised they could not help and simply kept sending me links to articles. If I needed links to articles, I would go to XXXX. I asked for a supervisor callback and was advised they can not this. These big banks could care less about the people they make life harder for because they dont even make considerable profit from credit bureaus by generating these reports. Otherwise, why would they not make the experience more streamlined for their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: FL

Complaint narrative:
I deposited {$3000.00} into my SoFi Checking account from my XXXX XXXX account. SoFi has frozen my account and instructed me to contact the Fraud Prevention team. Any attempts to contact them goes to voicemail and they are not contacting me back for me to have the account unfrozen. This has left me with no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian I have recently been made aware of a collection agency whon would not release any information to me. About the DEBT. If they bought it and or assigned to the. Was the original creditor and did they write it off and close the account. 
I never got these answers because the over talked me got louder and endangered me while i was driving on the roads in traffic. 
I went online to see my report to get information abput this matter. I found 2 creaditors. I tried calling XXXX and was treated in the same way and never got answers. 

When I came back to the site there were offers of credit cards for me to view and experian suggested... I should get a CC to pay off a current up to date bill for XXXX dollars. 
I did open the offers and the intrest rates were anywgere ftom 39 % at a 60 mo repayment to 31 % and 24 % with different terms. 

I was not advised on how they could actually help me with my actual problems an instead encourged to open a nother line of credit at CRAZY HIGH INTREAST. 
I hope there r some rules to help consumers not fall pray to this insane plan. 
I ask what could they be thinking with such offers, are thet praying on me at a very volunrable time? 
The offer came accross asa a debt repair offer. If they are such an enity I feel they need to inform disclose and well. 
I think thet need to hire a responsiable company who would coach mentor and actuslly help the consumer in such times as befalls each american somwhere in there lifetime. 
To add more debt to pay a bill im current with at such high rates is not the first piratory. 
Experian are they masqurading as a credit reporting agency or debt collector, or are they prowling om the vunarable citizan who may think mthis will solve problems.I would like to know the nature of there business and do they receive kickback from the companies that they suggest to the consumer. 
Experian,,, arev they a CROA member and do they stand for consumer vs other corporations praying on the vunurable? 


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 2022-06-02 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: NH

Complaint narrative:
Dept. Of Ed/Fedloan Servicing ( PHEAA ) XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Dept of Ed/Fedloan Servicing ( PHEAA ) , Account # 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. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services
State: NC

Complaint narrative:
On XXXX XXXX, I contacted Lendmark Financial Services to payoff the vehicle loan. The payment was made with XXXX in which XXXX did not communicate any company policies during the process of the payment. The payment was made and was posted to the account as well as cleared from my bank. I called over and over and over requesting the vehicle title securing the collateral of this loan in which Lendmark Financial Services refused to release the title and the lien on the title. They advised that their policy had a waiting period of 10 days, then I was told 14 days. I advised every representative that I spoke with ( on a recorded line ) that Lendmark Financial Services will be responsible for a Fee in the amount of {$250.00} per day until they release the Title and the Lien on the title for the vehicle that is securing the loan as Collateral. All representatives ( on a recorded line ) agreed to the charge. The title was received on XX/XX/2022, therefore Lendmark Financial Services is required to pay the invoice in the amount of {$8500.00} ( 34 days at {$250.00} Per Day. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX SYNCHRONY BANK ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi, My name is XXXX XXXX I reached out to Experian and XXXX on XX/XX/2022 and it is now XX/XX/2022. I haven't received any information pertaining to my disputes of delinquent accounts on my credit report that do not belong there. Its been way over 30 days in which I have received a response in which they continue to have a XXXX card account and a XXXX unsecured loan that does not pertain to me or have the bureaus provided evidence on how these accounts are mine which is severely hurting my credit. I need the CFPB help in holding these bureaus accountable in which they are furnishing information on my credit report without my consent violating USC Laws, and FCRA violations in which I haven't received a response with 30 days pertaining to these accounts.

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 2022-06-02 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar / Mr Cooper reported two missed payments ( 30 days ) on my mortgage which were due to errors within their own system ( auto draft ) as well as their inability to appropriately communicate these errors to the consumer by email, mail, or phone. This was disputed with Nationstar as well as XXXX. The dispute changed nothing.

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: IL

Complaint narrative:
My bank account with Sofi was frozen. I was not notified the account was frozen. I only found out when trying to access the account. The online chat will not talk to me because the account is frozen. The fraud phone number never has any support available. Only the option to leave a message that they don't respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

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

15 USC 166b : 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