vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the Covid 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MS

Complaint narrative:
I'm a veteran who received a XXXX XXXX payment on XX/XX/2022. I opened a checking account with the XXXX XXXX " Bank '' on the XXXX of XX/XX/2022. I contacted Direct express in an attempt to transfer my funds into my XXXX XXXX " Bank '' account. After giving Direct express my checking account number as well as the routing number to the XXXX XXXX " Bank ''. I waited ( 6 ) days, and checked my account to find that the transfer did not go through. I called Direct Express customer service to find out what was the problem. I was told that i would have to go to their web site, and open a web account in order to transfer that amount of money. I opened an account with Direct Express and attempted to transfer my funds over to my checking account at XXXX XXXX " Bank '' and was given a confirmation number that the transfer was a success. I waited ( 4 ) more days and checked my account again at the XXXX XXXX " Bank '' and the funds were not there. I accessed my on line account with Direct Express to find that the funds were returned to my Direct Express card. I set up that account with a user Id and created a pass word, but Direct Express went into my account without my consent. Direct express has frozen my Direct express card on the XXXX of XX/XX/2022, and I haven't been able to withdraw any of my funds. I closed on a home on the XXXX of XX/XX/2022 and haven't been able to pay the sellers on the home. I also haven't been able to pay my rent for the month of XXXX. I really need this to be resolved as quickly as possible. I tried to contact Direct express the XXXX of XXXX. Whenever I call the customer service number, and follow the prompt and enter my card number, I am continually be put on hold without anyone to return to talk to me the remainder of the day. I've called Direct Express Several times a day for several days and once I put in my information I would be put on hold the remainder of the day without talking to a customer service employee nor supervisor. I've called The Office of the Inspector General, who gave me a White House hot line telephone number and I was given a case number as well. I was sent a letter dated, XX/XX/2022 from Direct Express Advocacy Group which included their phone number. I've attempted to contact them several times only to get a voice mail. I have left numerous messages and a phone number to return my call, as the message states and haven't received a return call from them as of yet. I t 's has been several weeks without any access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Fraud account on my credit repair parts need to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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. 

NY CHILD SUPPORT ENFC : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States 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 2022-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
there is old or wrong information in my employer and location, and wrong name, and Ssn.

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. 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 2022-12-11 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: NY

Complaint narrative:
there is old or wrong information in my employer and location, and wrong name, and Ssn. 
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. 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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted dispute letters to Experian indicating that information reported by US BANKRUPTCY XXXX, XXXX NEW JERSEY Account # XXXX was not valid or accurate. I also included in this letter that " THIS ACCOUNT DOES NOT BELONG TO ME ''. Attached to these letters I included a letter from XXXX dated XX/XX/XXXX ( who Experian uses to obtain information ), stating that XXXX has deleted the XXXX BANKRUPTCY INFORMATION FROM MY FILE BECAUSE THEY WERE NOT ABLE TO. VERIFY THE INFORMATION. I also attached a letter from the XXXX BANKRUPTCY XXXX, XXXX NEW JERSEY stating the court DOES NOT provide or report to credit bureaus. 

On XX/XX/XXXX I received a reply from Experian stating that they have verified the information to be accurate and would not delete the information from my report. I also spoke to Experian on the phone several time and was told that they verified information with the XXXX BANKRUPTCY XXXX and XXXX. How is this possible when I attached a letter from the XXXX BANKRUPTCY COURT stating they do not report to credit bureaus and Also That I attached a letter from XXXX stating they deleted the information from my file last year. Even with this proof of these letters Experian refused to comply with the law and is violating my rights under the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). I am attaching a copy of my credit report showing how egregious these violations are. 

The continued reporting of this invalid and negative information on my Experian credit report is negatively impacting my credit score and interfering with my ability to obtain financing. IF THEY REFUSE TO DELETE THE INFORMATION I WILL FILE A LAWSUIT SEEKING DAMAGES IN COURT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the XXXX XXXX pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: TX

Complaint narrative:
I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the XXXX XXXX pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.

Complaint narrative:
XXXX Fraud Victim Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom it may concern : I am a victim of identity theft. The information listed below is showing on my credit file, but it is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Factual Data Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX SSN : XXXX D.O.B XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
My car was repossessed on the day the bill was actually due I assume somewhere around XXXX. I was on the phone with them speaking to different people and requested a copy of the policy because they told me I need proof of insurance proof of employment and could only pay through XXXX XXXX which was not near me. I asked to see copy of policy stating this is how they do business and was denied and told if Im going to keep asking for contracts and policy they will not give me my car back. After two- three days of struggling to get to a XXXX XXXX cash only place and get to my car Friday I finally got there and they stalled for hours getting to release my vehicle and the place closed. Monday I went back to get my vehicle and had to pay {$150.00} to the yard that had it and my car actually would not start and I had to get a new battery. They parked the cars so tight my car was actually scratched and dented in the process. While locking over the paper they had me sign I realized they over charged me by XXXX XXXX and they never told me of the fee I had to pay to the car lot. They have also charged me an extra {$150.00} stating it was because they did not have the keys to my car and why would they when they repossessed it without my knowledge. Which was not on the paperwork they had me sign nor was I told about it upfront. I have recorded all our phone conversations and I do have copies of the paperwork I signed. They completely ripped me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
was a victim of identity asked experian to remove innacurate fraudulent accounts inquires and adresses provided proof of lease and identity theft report still has not been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: MS

Complaint narrative:
I contacted first digital credit card they advised I cant used my card after paying it off in full by debit card they said if you paid it by debit card my funds would be released but the problem is they lied after paying my card they freeze it and said I needed to send a copy of my payment by mail they got my money instantly and they are charging me a participation fee monthly for a card I can not use and they freeze the card for 30 days I should not pay the participation fee when I do not have access to my account and if they are doing this to me they are doing this to thousands of their card members violating their own card holders agreement where you are paying for a participation fee and no access to your available credit I do not owe a dime on this card and have paid all late fees participation fees and enrollment fees they have a lot of fees they charge and still freeze the consumers card for 30 days when you do not owe them money but want to be paid a monthly participation fee

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

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

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 explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was notified by Chime ( My financial institution ) that several transactions were being made via text message and each message asked if this was an authorized or unauthorized transaction ( So Chime knew there was suspicious activity and notified me ). I called Chime and stated that these charges from XXXX, CA ( I live in XXXX  ) were not authorized by me and filed disputes on the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total- {$680.00} Chime still released the funds and asked me to provide supporting documentation which I sent to them. They denied my reimbursement, made me stay on hold for over 3 hrs and I had to call them back from another line and to make an appointment to speak with a supervisor the next day and they never contacted me. 
I contacted XXXX disputes today to reopens the disputes in order to desperately seek CFPBs help to regain the money that was stolen from me. You cant speak to anyone from Chime only their third party call center. I can not help but help violated and taken advantage of with no help or care from Chime. I would really like the opportunity to send over the documentation for evidence purposes and the opportunity to discuss the details in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/2022, we used a Lowes credit card ( issued by Synchrony Bank ) to purchase several items. Two items totaled {$1600.00} ( and were interest-free for a specified period ) ; the other two totaled {$150.00} ( and were subject to interest ). 

The following week, and before receiving our first statement, we purchased several more items ( all of which were interest-free for a specified period ). We made one additional purchase ( XX/XX/XXXX ) for {$390.00}. 

On XX/XX/2022, we received our first statement and paid {$350.00}. Without notifying us, Synchrony allocated 100 % of the payment to the interest-free purchases. On XX/XX/XXXX, we paid {$390.00} ( to pay off the interest-bearing items ). Again without notifying us, Synchrony allocated 100 % of the payment to the interest-free purchases. 

We continued to make monthly payments by the due dates for XXXX and XXXX, each for {$320.00}. Because the interest-free purchases were subject to various durations ( e.g., XXXX mos., XXXX mos. & XXXX mos. ), we called Synchrony yesterday ( Saturday, XX/XX/XXXX ) to confirm our understanding was correct. 

That is when we ( my husband and I ) learned that Synchrony had applied 100 % of our payments to the XXXX  interest items, and none to the other purchases. In fact, Synchrony said that, unless we paid ANOTHER {$430.00}, which together the payments we had already made ( {$1300.00} ) approximately doubled the total of the purchases subject to interest ( {$540.00} ), or it would continue to charge interest. 

Synchrony has refused to reverse any of the interest charges ( total {$58.00} ) because, it " said that is how it's system is designed '' to process payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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