vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 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: DISCOVER BANK
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 right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX/Dept of Ed : # XXXXXXXX XXXXDept of Ed : # XXXX XXXX/Dept of Ed : # XXXXXXXX XXXXDept of Ed : # 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 2022-12-11 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: WA

Complaint narrative:
These companies checked my credit WITHOUT MY AUTHORIZATION XXXX  XXXX  XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX. 
I have an FTC report on my credit files and it clearly says that they should call me to make sure I am the person applying. I have NEVER applied with any of these companies. I demand that EQUIFAX DO ITS JOB BECAUSE THEY NEVER DO INVESTIGATION. THEY ONLY WRITE YOU PURE LIES. AND THEY DISCLAIM RESPONSIBILITY. 

EQUIFAX PLEASE PLEASE DO YOUR JOB AND INVESTIGATE DEEPER. IT IS NOT FAIR THAT THEY FILL MY CREDIT WITH INQUIRIES THAT I HAVE NEVER APPLIED. OTHERWISE, I REQUIRE YOU TO PROVE ME WITH DOCUMENTS SIGNED BY ME THAT I MADE THOSE APPLICATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: TX

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: TX

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the 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 2022-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2022 I have noticed that my bank account was accessed by unauthorized individual/s and funds were transferred through XXXX to XXXX I don't know, the first transfer made was in the amount of {$10.00} to XXXX then the second transferred was in the amount of {$3400.00} to XXXX as well amounting to a total of {$3500.00} transferred in total. I have contacted the Bank of America and specifically told them that my phone number was compromised and I no longer have access to my online banking and that I would like the online access be XXXX and the accounts frozen as well as requested an in-person identification of identity. The Bank of America did not honor my requests and to thus day XX/XX/2022 still did not disable the online banking and the unauthorized individual/s still have access to my account and even opened up new credit card accounts and new bank accounts to my name. This individual also managed to to go back into the frozen account after the claim was approved and took the {$3500.00} again through XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to go into the branch in person and get the funds I had out of my bank account and also to tell them the same exact thing about disabling my online banking and freeze the accounts and also require in-person identification ; however, my request fell on deaf ears. I have now reached a dead end and do not know what to do at this point.

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 2022-12-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested that Experian forward to me any records from their investigative reports of the personal interviews mandated by FCRA that your company was supposed to have conducted with my with neighbors, friends, or associates of mine or with others with whom Im acquainted or who may have knowledge concerning any such items of information. The company didnt forward to me any of the requested information and have exceeded the time allotted by the FCRA which is 30 days! 
# Tracking XXXXXXXX XXXX XXXX Account # / XXXX Balance / XXXX Date opened/ XX/XX/XXXX I also forwarded the exact same information and request for an investigative report to the above company whereas the requested information per the FCRA was not supplied! 

Tracking # XXXX XXXX XXXX XXXX Account # XXXX Balance/ {$260.00} Date Opened/ XX/XX/XXXX The above item is unfamiliar to me an recently appeared out of no where. No permissible purpose I believe that this item, was disputed once before and Experian deleted this item, the original creditor is XXXX XXXX XXXX XXXX who appears to have sold the account to XXXX XXXX XXXX XXXX 

Copies of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report I filed Copies of an official notice from the College I attended regarding a Personal Information Data Breach at our school

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 2022-12-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paypal.com XXXX  was previously using synchrony bank and the sychrony bank website to handle all credit card matters. Now everything is on through the paypal website. 

Prior to this change I had auto-pay set-up for my credit card payments. 
I come to find out I no longer have auto-pay set-up. 
I'm trying to link my bank account details to pay my credit card statements. 
Paypal is setting an automatic security hold while trying to link this bank account to paypal. 

I've tried to contact paypal via their chat, which is automated. 

The chatbot allows me to try to enter my routing and account numbers through the chatbot, I do that but I recieve a message letting me know that my attempt has been blocked for security purposes. 

I'm basically going to pay a late payment fee because of this and overall inconvenience. 

- Poor notice of the change - Autopay was cancelled without my approval - Linking bank payment info with the new paypal mastercard interface is troublesome - Lack of support. 

I will continue to try to reach out to PayPal support but I assume I'm not the only user with these issues.

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 2022-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
payment made XX/XX/2021 {$310.00} to XXXX XXXX XXXX directly after calling Conserve who said to pay XXXX directly and the collections would be remedied. Conserve then hit by credit and refused to remove themselves from my credit report stating I was delinquent still. Despite having paid XXXX XXXX XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. 
The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. 
You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where is the actual updated report that they sent you along with the accounting ledgers and original contracts?

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 2022-12-11 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: MS

Complaint narrative:
I, XXXX XXXX XXXX XXXX, HAVE BEEN TRYING TO GET MY ''FILE '' FROM EXPERIAN SINCE AROUND XX/XX/2022. IT IS NOW XX/XX/2022 AND EXPERIAN HAS YET TO SEND ME ''FILE ''. I HAVE PREVIOUSLY REQUESTED MY ''FILE '' ON XX/XX/2022 AS WELL THROUGH THE CFPB WEBSITE. THE COMPLAINT NUMBER IS XXXX FOR DOCUMENTARY EVIDENCE. AS OF NOW EXPERIAN IS WILLFULLY NOT ACTING IN COMPLIANCE.EXPERIAN IS NOW IN VIOLATION OF 15 USC 1681g ( a ) ( 1 ) AND 15 USC 1681n ( a ) ( 1 ). I requested my ''FILE '' which defined under 15 USC 1681a ( g ) in the FAIR CREDIT REPORTING ACT but EXPERIAN only sends my ''CONSUMER REPORT '' which is defined under 15 USC 1681a ( d ) ( 1 ) and that is not the only thing I requested. THE TERM ''FILE '' AND ''CONSUMER REPORT '' are not defined as the same definition under ''FAIR CREDIT REPORTING ACT ''. I say this let it known I am aware I have not received what I have been asking for and that I know the difference between the two definitions ( ''FILE '' AND ''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 non-monetary relief
Consumer complaint received 2022-12-11 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: Chime Financial Inc
State: FL

Complaint narrative:
So Ive spoken to chime bank and the representative laughed at me. I was filing a dispute for over XXXX dollars that is me and my familys rent money. My card was stolen and Ive filed necessary police reports in the town we were in we were vacationing when my wallet was taken from my hotel room. Chime is not taking us seriously please help us. We are going to be within days of eviction if these funds cant be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: World Acceptance Corporation
State: GA

Complaint narrative:
15 isc 168 section 602 states I have right to privacy it also states 1681 604a a consumer reporting agency cant furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: TX

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-12-11 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: MA

Complaint narrative:
In Last than a year I have 15 Inquiries came from XXXX, mortage Application. 

There are excessive inquirite in my account that happens without my consent. 
I had XXXX points, my credit report is dropping down. 
Have currently 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 2022-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: GA

Complaint narrative:
My Dave account balance was {$280.00}. XXXX XXXX has breached my account and taken {$280.00} on XX/XX/2022. My password was changed, phone number and cash tag was changed on my account. I spoke with a XXXX Dave rep that wasn't helpful or concerned at all on reversing my payment of my funds of this unauthorized charge. The Dave rep told me " their system '' isn't set up to put my money back, but " the system '' on Dave is set up to allow this to happen and quickly make a recording for customers that the Dave accounts aren't breached, which isn't true because my account was. I attempted to change my XXXX XXXX, but by a unauthorized XXXX XXXX user, my XXXX XXXX was changed, Dave displayed I can't change it for 3 months. I did not authorize this transaction, it's the holiday XXXX and I need my payment reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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 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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I got a loan through credit acceptance corporation back in XXXX i fell into a hard ship then co vid 19 came i was totally out of work the company said i was eligible for covid relief i didnt have to pay instead they charged me anyway i spent several months give the car back because it was not a good car i was way over charged in XX/XX/XXXX the company came got the car back in their possession then the rates went threw the roof like XXXX dollars i cant afford that this has destroy my credit i cant get nothing approved im living in motels and renting rooms from friends i want this off 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 explanation
Consumer complaint received 2022-12-11 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:
In accordance with the Fair Credit Reporting act XXXX, XXXX 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 2022-12-11 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 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