vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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 XXXX - {$13000.00} ; XXXX XXXX - {$310.00} ; XXXX XXXX XXXX - {$830.00}, have 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 an account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: MA

Complaint narrative:
Someone tried to apply for a credit card using my name as fraud. I never tried applying and I want this investigated. Credit is frozen so application was denied. I want this investigated to find out who is trying to fraudulently apply l.

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 2022-12-03 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account 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 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 2022-12-03 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: IL

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Discover bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, XXXX # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with 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 2022-12-03 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: IA

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

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 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 consumer reporting agencies if the person knows or has reasonable cause to believe 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 2022-12-03 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: IA

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

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 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 consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: VA

Complaint narrative:
After my computer was hacked in May, I went into the PNC Bank branch in XXXX, Virginia, on XX/XX/XXXX to close my existing account and open a new one. The matter was handled by a PNC representative named XXXX XXXX. At the time, I also switched all of the automated monthly payments from my old account to my new one, including the payment of my monthly rent. 

The following month, when my rent came due, PNC did not issue payment, nor did the bank tell me that it was not issuing the automated payment. I didn't find out the payment was not made until after the final deadline for paying rent, when the apartment management company fined me about {$210.00}, even though I immediately took a check to them as soon as I found out. 

I then called PNC to find out why the payment was not made. I was transferred several times until I reached someone at the bank who told me that PNC uses an outside vendor to process automated payments. This person told me that the vendor had simply decided not to make the automated payment to the management company for my apartment because my old account had possibly been exposed. The vendor took this action even though I had specifically gone into PNC several weeks earlier and closed down the compromised checking account to prevent any fraudulent activity. At no time was I ever informed that PNC 's vendor had decided to not make the payment. When I asked the PNC representative to send me an email confirming what had happened, the representative said he wasn't allowed to. 

I went back into the XXXX branch PNC Bank and spoke with XXXX XXXX about the matter. I asked that I be reimbursed for the {$210.00} that I had been charged by the management company for a late rental payment. During the conversation, I later said that I would be satisfied if PNC simply reimbursed me for half the amount. PNC took the position that it was a third party vendor that declined the payment, so they were not responsible. It was nonsensical because as the customer, my banking relationship was with PNC, not a third party vendor. It was their internal decision as a company to outsource the processing of the automated payments. I of course had no idea that they outsourced this function, and had no control over it. And PNC on its website and through its online banking application of course presented the ability to make automated monthly payments as a service that the bank itself offered. 

I was never reimbursed or otherwise contacted by PNC on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was denied credit for not having a strong enough credit score, but thats not true. The credit score reported was also incorrect.

Bank of America is the auto lender for millions of first time vehicle owners, many of them have no previous credit history. 

Also I have established credit - XXXX yrs XXXX mos is my average age if credit and my oldest account is XXXX XXXX XXXX with no late or missed payments. 

This would only be fair if 100 % of applicants were denied under the same circumstances, but because Bank of America does not accept my credit history - this is discriminatory.

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 2022-12-03 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: GA

Complaint narrative:
Please Help! The credit reporting agencies allowed a reinsertion of XXXX XXXX after it being deleted due to failing to validate that this debt belongs to me. As stated before I never authorize this account. The credit reporting agencies failed to properly notify me prior too furnishing this account that is reporting as a charge-off. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX  XXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX  XXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate.

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 2022-12-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
eIn 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 agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpos

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 2022-12-03 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
15 USC 1681 section 602 states : I have a right to privacy.

15 USC 1681 section 604A 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 a open end consumer credit plan for late purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: FL

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have my right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: LA

Complaint narrative:
I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,

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 2022-12-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for 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 2022-12-03 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: MOHELA
State: TX

Complaint narrative:
In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any XXXX XXXX that they do business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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:
EXPERIAN and XXXX XXXX has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolved, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person or company shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). ( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The account in question is XXXX XXXX Account # XXXX. Please take this matter very serious as this is my last formal complaint before proceeding with my legal options.

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 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Went on PayPal account to find a fraudulent charge ( {$690.00} request by XXXX ). A number on the site was provided to call. When I called this number, ( XXXX - XXXX XXXX ) Unfortunately I gave my SSN and gave the guy access to my computer desktop. He told me to let a {$2000.00} for a gift card go through with my XXXX  account. Through my computer desktop he accessed my email, my PayPal account and my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: DE

Complaint narrative:
Consumer reporting Agency is Violating my Right to privacy.

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 2022-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini restricted my account so I reached out to support via email and they asked me to upload a picture of my Id which I used to verify my Gemini account and also a selfie to verify my identity which I did and I was told my case was being escalated. It has been a week now and my account is still restricted. Ive reached out numerous amount of time to get this fixed and Ive yet to receive a response form Gemini, this is very inconvenient I have thousands of dollars in my account not able to access it is cause financially costing me a lot. This has cause me XXXX cause I can even barely sleep at night knowing I can not do anything with my account knowing it has been restricted by Gemini and they wouldnt help out or let me know any updates. Ticket ID # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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 XXXX  - {$13000.00} ; XXXX XXXX - {$310.00} ; XXXX XXXX XXXX - {$830.00}, have 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 an account without my written instructions.

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