vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 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 USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX OF XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
I have crypto currency assets that are in a XXXX  account. The only problem is that XXXX refused to verify me after I sent them my passport and went through their rigorous verification processes. 

XXXX required I make a wire transfer to my account to fully verify it so I could use their service and claim my assets, however, every single attempt to make a wire transfer failed : their bank XXXX XXXX deflected the wire transfers each and every time and I was not able to verify the account. Their staff were incredibly unresolving and also refused to help me any further. 

As a result of multiple attempts to make the wire transfer, I was responsible for paying fees to XXXX XXXXXXXX XXXX to use their wire transfer service. The total for the fees was somewhere around {$9.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I applied for store credit at XXXX XXXX XXXX on or about XX/XX/22 and was denied. The credit was offered through Synchrony Bank. The reasons that they gave for my denial of credit was that they could not verify my identity. I believe that the real reason is that I am black. 

My reasons for believing this are simple. First, in order for them to view my credit file, I had to unfreeze my file using my personal password and second, they pointed me to a verification service where I had to scan both the front and back of my XXXX. XXXX XXXX, State ( DC ) issued driver license, which should have been all I needed and more than enough to verify I am who I say I am. 

In their letter, they state that they checked data sources that may include, public records, phone directories, or social security databases. Additionally, they state that their customer service agent might have asked me questions to verify my identity. Therefore, I have no other reason to believe that this was not an algorithm or machine decision, but a human XXXX and XXXX based on my race. If there is another reason, I would love to hear it. 

I was denied credit despite the fact that I have an excellent credit rating that was only verifiable because I unfroze my XXXX and XXXX credit files. My records show a credit score over 750, a 100 % on-time payment history, and 30 % or less credit card utilization. 

Finally, I have taken great care in protecting my credit and personal information. I have monitoring services through XXXX and XXXX, both of which notified me after this process that my email and password had been compromised. 

This has been a nightmare process and they should be put on notice so that it doesn't happen to anyone else.

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 2022-12-24 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: CT

Complaint narrative:
Experian reporting my address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX but my addresses should be either XXXX XXXX XXXX XXXX XXXX, CT XXXX or XXXX XXXX XXXX XXXX XXXX, ct XXXX those are my Addresses. 
Please have that address removed .Also have Experian replace my points they took over XXXX for my car that was paid off XX/XX/2022 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 2022-12-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
Back on XXXX I summited a complaint about incorrect information. On XX/XX/XXXX they said they fixed the amount which was XXXX less that what was being reported.then on XX/XX/XXXX it goes back up to the same amount that was being disputed. How in the matter of 6 days can the amount go back up to the XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hard Inquires were not made to my credit report that I didn't authorize. 
XXXX XXXX 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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account was closed with open fraud disputes unresolved resulting from identity theft. Also, Claimed account was dormant, but had direct deposit received and applied to account less than a week ago.

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 2022-12-25 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: CT

Complaint narrative:
Experian reporting my address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Ct XXXX but my addresses should be either XXXX XXXX XXXX XXXX XXXX, CT XXXX or XXXX XXXX XXXX XXXX XXXX, ct XXXX those are my Addresses. 
Please have that address removed .Also have Experian replace my points they took over 50 for my car that was paid off XX/XX/2022 2022

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 2022-12-25 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: GA

Complaint narrative:
XX/XX/22 Experian is reporting a bankruptcy on my credit report and they have put the data furnisher as the XXXXXXXX XXXX XXXX XXXX XXXX GA. This is XXXX I have attached a letter from the XXXX bankruptcy Court XXXX XXXX GA XXXX and XXXX that they DO NOT furnish this information over to the credit bureaus or any CRA, nor to they verify or validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and have yet to remove this from there credit report. This is in violation of 15 USC 1681 ( a ) that states with respect to the consumer it is of grave importance for the BUREAUS to report fairly, accurately and privately. 
I have also enclosed the CFPB complaint response from XXXX where they have deleted the bankruptcy from my consumer report. 

XX/XX/22 Experian is also reporting an inaccurate address that i have disputed multiple times. 
XXXX XXXX XXXX XXXX. XXXX GA XXXX. 

It is clear to XXXX that this information deleted from my consumer report, but Experian refuses to remove it from my file. see attached copy of CFPB complaint response. 

Which with XXXX and XXXX did not have permissible purpose to request any of my private information to obtain this for the credit bureaus reporting. Nor did i give them permission to furnish this data to Experian. This is in violation of 15 USC 1681 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I have an impound account with planet home lending, they failed to pay my taxes on XX/XX/2022. I had to pay with my credit card, the home was going to auction as taxes werent paid. I called planet home lending about 20 times over a 6 month period and they asked me to fax over my receipt from my county assessor, which I did twice. Last call I was told case closed and my taxes went up by XXXX dollars. I didnt understand why. They told me I do not get a refund for the taxes I paid and am afraid on my impound account, that will fail to not pay again. Do not trust this company. 
When they bought my loan from my original lender, they had me faxed my last payment from original company and I called and told them please do not give a 30 day late. I followed up for 2 months about 10 calls and they still gave me a 30 day late on my credit report. 5 more calls and threat that I would sue, they corrected their mistake. Terrible customer service m they would tell me to hold for a second and then they would cut my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I have contacted equifax credit reporting multiple times they have me locked out of my own account and have not fixed the problem it has been weeks now! And still I am not able to access my account and report on their online site. The last explanation I got from them was they didnt know why. They were working on fixing the problem they called a technical glitch that only applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: SC

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 XXXXXXXX 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 an 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 or 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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a job that advertise companies by putting a sticker on your car and driving around They sent me a check for XXXX so I can pay the person to install the sticker and deduct XXXX for my first week payment the same day I received the check I used my bank app to deposit the check I had already XXXX dollars in my bank then I woke up the next morning with XXXX I dont know I would be negative please help me I really thought I was applying for a legit job.

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 2022-12-25 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: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Around XX/XX/XXXX or so I was very ill still him I have XXXX. At the time I had XXXX I had a friend over for 3 Days to help me out he used to be an XXXX his name is XXXX XXXX. He took complete advantage of me not only did he do some online things with my checking account he also stole my food stamp benefit card. My last day of work was XX/XX/XXXX I'm on XXXX and I had to close my checking account because it was overdrawn by {$1100.00}. It was Hancock Whitney Bank and my first XXXX check went to that account and they refused to give it back. A man called around the XXXX by that time XXXX was gone. He told me his name was XXXX XXXX and that XXXX was supposed to send money back to him via prepaid cards and cash app I started asking him questions and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Multiple accounts of overdraft fees, most when funds were available in the account at the time of the charge. Others they blamed on time differences of when the next day started to justify multiple fees.

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 2022-12-25 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/2022, I contacted SYNCB/Paypal credit card and requested to close my accounts, which were in great standing. I paid whatever balance was on the cards and had them closed. In XXXX, I received a negative alert via my XXXX credit monitoring,  letting me know I was 30 days past due on an account. When I looked at my credit report, the negative reporting with a past due balance was from Payal. I immediately contacted Paypal and questioned the reporting. I was told that a charge was applied to my Paypal account AFTER the account was closed. I am confused as to why a charge was approved on a closed account. It would have been easier to deny the charge so that the merchant would contact me instead of approving a charge when the relationship between myself and Paypal no longer existed. I also did not have access even to pay the Paypal account. After speaking to the representative, I was told that the reporting would be removed. I was able to make the payment, and I thought all was well. A few weeks later, this again showed up on my credit report. 

This reporting has questioned my creditworthiness and is now creating issues with accounts I have had great relationships. I have been denied business credit and had credit limits decreased. It is now impacting my ability to sustain my way of life. The most upsetting part is that this was a closed account. There is no justification or rationale for why anything should have been approved.

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 2022-12-25 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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