vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
- [ XXXX XXXX XXXXXXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX  Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
- [ ] XXXX XXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,

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 2022-05-01 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: The Receivable Management Services LLC
State: NJ

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

15USC 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 any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Radius Global Solutions LLC
State: NJ

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

15USC 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 any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Chime Financial Inc
State: IA

Complaint narrative:
It started on XX/XX/XXXX, Thursday at XXXX pm. Someone had begun taking money from my card and I was watching it happen while I had my card in hand. I immediately called the chime customer service number ( Chime is the bank that the card was from ) and after a bit they cancelled the card and stopped transactions. The transactions that were being taken were pending but the money was still being taken off of my credit builder card. Chime customer service said I had to wait for the charges on my card to go through for them to be able to dispute the claims. Today XX/XX/XXXX, Sunday I woke up and checked my account at around XXXX to see that the charges were no longer pending but had actually went through. I called customer service again and they finally filed a dispute against the charges, but said in order for them to rule the case in my favor they needed more information, such as if I was at work at the time and proof. But I was at home with the card in hand and calling them at around the time it had all started. Chime has now told me that it can take up to 90 days for me to get my own money back. The charges that were made to my chime credit builder card are as follows XXXX. XXXX XXXX at XXXX for {$66.00}, XXXX. XXXX at XXXX for {$4.00}, XXXXXXXX XXXX XXXX at XXXX for {$30.00}, XXXX XXXX XXXX  at XXXX for {$270.00}, XXXX. XXXX XXXX  at XXXX for {$90.00}, XXXX. XXXX XXXX XXXXt XXXX for {$80.00}. Every transaction on this list was taken on Thursday, XX/XX/XXXX. I just need help getting the money that was mine to begin with back as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TN

Complaint narrative:
I have a Chime account and have had problems with this in the past. I had an unauthorized transaction of {$200.00} from a company called XXXX XXXX XXXX which is based in XXXX. I live in TN. Upon seeing that transaction I turned off my card just in time to see an attempt to take {$150.00} had not gone through due to me turning the card off. I have screenshots of that. Once the " pending '' status dropped I filed a claim yesterday on Saturday. I get an email today on Sunday that they have found no fault in the transaction and that the dispute is closed. They won't even allow me to dispute it again. I want my {$200.00} and an apology to all the other victims of Chime 's lackluster and whimsical attitude towards their scammed customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: FL

Complaint narrative:
I have been filing disputes with the 3 major credit bureaus for months, and receive no answers to my disputes...

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 2022-05-01 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:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-05-01 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Hello. I Have a XXXX XXXX XXXX card and one of my payment went late because i lost my debit card and i blocked that. Due to that credit card payment didnt went through. As soon as i realize that i pay them straight away but they put missed payment and negative impact on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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  account # XXXX, has violated my rights. 

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 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX and Transunion continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account XXXX : XXXX XXXX XXXX. I ( Account XXXX : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.

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 2022-05-01 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report from GM FINANCIAL. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, GM FINANCIAL is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have attempted to solve this issue myself. Here is what i did. XX/XX/XXXX i sent a request for removal to GM Financial through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. I have provided all documents needed below. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
A dispute with XXXX XXXX, who notified me a couple of years after XXXX, I was told it was doctor coding for XXXX  I did for two doctors ( one at a tiime ), I know one doctor contacted them and they said they had this problem with them for other patients. After several months, monies they said I owed was handed over to a debt collector who opened a new account and placed on my credit report Global Radius is the culprit, I did not open an account with them. I have since had to have my blood work ( lab work ) handled by another company. Told them about my situation and was told that a lab company doesn't have the right to put a supposed lab debt on a credit report or sell to a debt collector and why and how did this debt collector open an account on my credit report. I feel this is a scam and a way to ruin my credit score by falsely stating that I opened an account with Global Radius, they have also sent me correspondence asking that I pay a lower amount and they would erase my debt. Please help me to solve this problem. These companies should not have the right to damage a persons credit history.

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XXXX I paid off a Collection from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX  # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$2200.00}

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXX I paid off a Collection from : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$2200.00}

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 2022-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
There is a collection account on my credit files that is fraudulent and currently reporting by Caine & Weiner. This account XXXXX {$80.00} is reporting on my report via XXXX XXXX. I have attached the FTC Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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  account # XXXX, has violated my rights. 

XXXXXXXX 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 2022-05-01 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  account # XXXX, has violated my rights. 

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 2022-05-01 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: CT

Complaint narrative:
In accordance with the credit Reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have to right to privacy.

15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: REGIONS FINANCIAL CORPORATION
State: GA

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 with out 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 any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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 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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX acccount # XXXX Date opened XX/XX/2020 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 2022-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am a user of Venmo and they sent me an email notifying me of an update of their user agreement. In order to opt-ou, t I must go to their website, download, and print as well as manually fill in a non-formatted webpage. I then must pay for postage and mail the notice to them before XXXXXXXX XXXX,2022. The initial email announcement does not even contain a link to the opt-out, I had to go search for it

Company response to consumer: Closed with explanation