vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/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 2022-09-29 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/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 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Services # XXXX - XXXX XXXX XXXX, XXXX, DE 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. 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 2022-09-29 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: NJ

Complaint narrative:
Transunion is in violation of Fair Credit Report Act ( FCRA ) and breaking several other federal laws. They are reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. Transunion is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ).

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 2022-09-29 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: NY

Complaint narrative:
On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.

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 2022-09-29 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: NY

Complaint narrative:
On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-09-29 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 XXXX XXXX XXXX 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
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
On the XXXX of XXXX, I XXXX XXXX, and my husband decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX  XXXX to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. They mailed everything to the wrong address, not to the bank nor to us! We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. When we were not able to find another vehicle for less then {$3000.00} over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!? 
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have our money and then some... they do NOT care to except blame or do anything to make things better. I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. 
I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX  database as well. I filed a identity theft report with the FTC please find attached the identity theft 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 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
For many years I have leased a safe deposit box from Chase. I would receive an annual bill and pay it. The bill would have the reminder that if payment wasn't received, Chase had the right to seize the box and its contents. 
I didn't receive a bill in XXXX ( I assumed COVID might be the reason ). In XX/XX/XXXX I moved to another state, but didn't notify Chase until XX/XX/XXXX when I requested that the rental be canceled. I explained that the box was empty since I removed everything after my mother 's death and never got around to bringing anything back before I moved to XXXX in XX/XX/XXXX. I was willing to pay the fee for that year and a penalty for the key. 
I received a letter from Chase in XX/XX/XXXX telling me they had debited my savings account for rental fees for XXXX and XXXX. Since receiving that letter, I have spoken to Chase representatives many times. They insist that policy dictates that I can only end the rental in person. I've explained that the rental agreement stated if a payment was missed, they had a right to hold the box and its contents. 
Chase has now received two years of rental fees ( XXXX & XXXX ) for an empty box that I no longer use or need, and they will continue to do so each year because they claim that their policy was changed in XXXX. 
I moved to a city that doesn't have a Chase presence, my sister, also on the box, went to a Chase in her city and was told nothing could be done. 
In the meantime, I am being threatened that my credit can be harmed, access to some services has been partially restricted and I've been waiting twice as long as usual for a replacement debit card. I was forced to pay {$160.00} for an empty box. I can expect to pay it again next year if something isn't done. I am XXXX years old and they expect me to travel back to XXXX  or get a legal Power of Attorney to end the rental on a safe deposit box when the agreement was pay the fee or lose the box.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX XXXX  and disputed the late payments with Transunion, XXXX, XXXX with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.

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 2022-09-29 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: AL

Complaint narrative:
I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX  She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX bank and disputed the late payments with XXXX, XXXX, Experian with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally complain about the way BOFA has handled my 2 cases that are in the subject line above, and the BBB has been contacted to help me with this, who will also be getting in contact with the XXXX. On XXXX I called to file a check fraud claim that occurred on my account, I spoke with someone in the check fraud department and spent almost XXXX hours on the phone with him. He ASSURED me that my case would be filed and that I would have to call to check back to check on the status of the claim. I called back a month later on XXXX to find out that my case had NEVER been filed. My case was not formally filed on XXXX from my original call in on XXXX! This is GROSS NEGLIGENCE. The fact that Bank of America did not file my case for over 1 month speaks volumes about their customer service levels, which is extremely poor. It seems that BOFA did not care to file my case, nor did they take the proper steps to ensure everything that could be done, would be done in the check fraud investigation. BOFA is now trying to wash their hands clean of my check fraud case even though they had a HUGE part in neglecting to file it. I wanted to send this email as a last resort before specific action is taken by me with banking governing bodies as well as the XXXX. To this date I have not heard back from a manger at BOFA regarding my compliant and how it relates to the check fraud case, just that my check fraud case was closed. The XXXX, XXXX, and other governing bodies will be alerted and looking into this with a fine tooth comb. Customers deserve to have their cases filed on time and failing to do so is breaking regulations. 

On XXXX XXXX fraudulent checks were deposited into my account, which bounced 2 days later. Bank of America failed to place a hold on the check to ensure that the funds would clear. However, they are not accepting any wrong doing from this. They also did not file my fraud claim for over 1 month which is the main issue. Please hold them accountable for messing up the investigation by NOT FILING A CLAIM!!!

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 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI 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. 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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XXXX I accidentally paid {$4500.00} in my Citi Double Cash Mastercard via the Citi app. This was my error as I inadvertently put in an extra zero, I meant to pay {$450.00}. 

On XXXX I noticed the error and contacted Citi customer service to advise of the error and ask for a XXXX refund. The Citi representative advised that they would process my refund and I should receive the money in my back account in 3-5 business days. 

XXXX Citi bank lowered my credit limit by {$4500.00}. 

XXXX I called Citi and the representative advised I would have my money in my account on Friday. 

XXXX I called again and for the FIRST time Citi advised that I actually did not have a refund in process but that they had to approve the refund. I was obviously upset and was transferred to a manager. The manager apologized for the error and indicated the associates were wrong and they would be re-educated. He provided me with a {$180.00} credit for inconvenience and said he make sure I get a call about the approval decision by XXXX  XX/XX/26. 

XXXX I called Citi and asked about the status of my approval and they indicated it was denied because an {$4000.00} refund would extend my credit limit. I spoke with a manager and advised I was an attorney and I was initially told that that I would receive the refund and was not advised about the review. Furthermore, I thought it was a questionable practice that they lowered my credit limit by the exact amount of my payment after I advised the payment was in error. The manager said the credit limit decrease was merely a coincidence. However I informed her that I had this card for 5 years and have never had a credit limit decreased and the timing was questionable especially since that was the amount of my overpayment which they were aware.

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 2022-09-29 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: NJ

Complaint narrative:
Transunion is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. Transunion is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. Transunion is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ).

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 2022-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Experian and the continued furnishing of false reporting of charge-offs on my consumer report. These charge-offs are no longer being reported by XXXX or XXXX ; they have been deleted from my consumer report. I would like to make you aware that a charge off is considered income. Income CAN NOT be reported to my consumer report. I would also like to make you aware that a charge-off is not LAWFULLY defined. Experian must follow-suit and delete these fraudulent accounts from my consumer report. Please see attached documents for further information.

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