vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: NY

Complaint narrative:
the accounts listed below I have been disputing for months now and they still haven't been removed. XXXX and transunion has ignored my request to for several months to remove this inaccurate, un verifiable fraudulent identity theft accounts from my report. they have not sent me signed contracts to verify that these are mine. it had been for that 45 days with no proof I own these. please enforce the laws on transunion and XXXX to remove these. 


XXXX account XXXX XXXX XXXX LLC ( original creditor XXXX XXXX XXXX Account 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 2022-04-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
PayPal credit will not handle resolve my XX/XX/2021 {$330.00} purchase dispute and reverse the purchase back to the merchant. The recent statement Paypal has provided to me about my purchase merechant agreement with the merchants return policy is something I have never seen this before/during my purchase with this particular merchant? The merchant is just creating this policy any providing it to PayPal in order to avoid my dispute/return.

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 monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I wrote to Discover Financial Services on XX/XX/XXXX via certified mail, after noticing that they were reporting details about my account that are not permitted under the law. 

15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s 3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Rather than complying with the law, and without warning, Discover Financial Services decided to close my account in a letter dated XX/XX/XXXX. 

This adverse action is a violation of the Equal Credit Opportunity Act. Notably, discrimination based on " The applicant 's exercise in good faith, of any right under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern, I am trying to simply access my credit report online from TransUnion. I have called several times and have spoken to several individuals to resolve the issue and my account is still locked! I have verified my identity and have sent in all documentation as requested. It has been months and I still do not have access to my account. I simply want to sign into my account. Again I have verified my identity to several representatives by answering security questions and have sent in my ID etc. I continue to get the run around and to get transferred to another department. I want this to be resolved expeditiously!

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
cash app issues. company did an illegal money transfer from my active account to my closed account. they won't resolve the issue and keep giving me the run around. I have money in my closed account and they won't let me transfer it to my active account. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address have violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept Of EducationXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
Dept Of Education/XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept Of Education/XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist rewards were not posted to my Truist checking account according to their contractual obligation. On Monday, XX/XX/2022 I initiated a rewards transfer of cash to my checking account. The Truist system auto-generated a response that the cash would be available in my checking account by XXXX the next business day ( XX/XX/2022 ). Today is XX/XX/2022 and the rewards have not yet posted. I contacted Truist twice and I was told " Leadership is aware of this problem and is working to rectify it. '' Meanwhile, I made commitments to pay my bills from my checking account based on the Truist response that funds would be available by Tuesday, XX/XX/2022. Now I can not fulfill my obligations. Please investigate.

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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On Thu XXXX XXXX, XXXX, we received a text message from our bank ( USAA ) alerting us of fraud activity on our account. They asked to verify 3x charges. ( click y/n ). 

40 min later, 2x illegal wire transfers were initiated by the criminal and approved by USAA with NO authorization or awareness from myself or my wife. Each wire transfer ( {$5600.00} and {$5500.00} ) were to two different accounts with two different names. 

As of today, XXXX XXXX, XXXX, USAA will not give us any information to the account, account holder or bank to which USAA sent our money NOR will USAA respond to our attempts to get an update. 

The only correspondence I have had with USAA occurred on Thu XXXX XXXX, the day of the illegal wire transfer. A USAA customer service rep told me this was not USAA 's fault, they can not do anything to return our money, and that I should try asking the person the money was wired to return it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I enrolled in a debt consolidation program over 2 years ago with National Debt Relief ( NDR ), I included an outstanding debt to a XXXX XXXX XXXX XXXX credit card. At the time the final debt owed was {$1400.00}. During the process of negotiations, this account was sent to a Collection agency listed on my credit report as LVNV Funding LLC. NRD eventually negotiated this account with the collection agency ( not original creditor ). They agreed to reduce the original amount of {$1400.00} to {$960.00}. I am currently paying this off in the following : I started paying {$10.00} a month XX/XX/XXXX until XX/XX/XXXX. {$30.00} a month starting on XX/XX/XXXX until XX/XX/XXXX and then {$60.00} a month thereafter until the final payment is due on XX/XX/XXXX. 

This collection agency is deliberately reporting inaccurate information to the the credit reporting agencies even after several attempts to correct by contacting them and disputing. They are reporting a collection balance currently of {$2000.00}. The balance was never that amount and I am not sure why they continue to report inaccurate information. While they have a right and obligation to report the information, it must be reported correctly and that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # 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 XXXX XXXX XXXXXXXX Address have violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address have 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 2022-04-19 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:
I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report 1. XXXX XXXX  on XX/XX/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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Leviton Law Firm, Ltd.
State: MD

Complaint narrative:
I received a letter from " leviton Law Firm '' for a debt of {$100.00} that is clearly not mine. It says it is for " XXXX XXXX XXXX '' case # XXXX. This is not my debt, I have never been a service provided or previous debt collection attempt. I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I ordered a couch from XXXX. I tried to cancel the order but the merchant refused. Then I tried to schedule delivery of the couch and the merchant still refused. So I paid XXXX and was not able to receive a refund or the couch back. I filed a dispute with Citi bank but the bank told me I was responsible because I classified the dispute as " cancelled item '' rather than " missing item '' As proof I was provided an email chain between the vendor and an email address I don't even recognize. The vendor never contacted me and never delivered my item and yet Citi won't refund my money.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a complaint and tried to dispute it through XXXX XXXX, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.

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 2022-04-19 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
>Multiple hard inquiries were pulled by Pentagon Federal Credit Union ( PenFed ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with PenFed ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from PenFed Mortgage COO acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan 89 days after application ( XX/XX/21 ) >I filed a dispute with XXXX but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called PenFed and bounced around 6 different agents resulting in my information being passed along to management for further contact

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