vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX I ( Original Creditor : 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 *** and ( Original XXXX : ) XXXX 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.

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 2022-10-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Tried get money sent from cash app and spoke to XXXX XXXX XXXX. This person said he was a cash app agent, who processed the initial transaction then advised cash app was needed. Once the steps for the update was followed they drafted from my Grandmothers account 3 times for unauthorized transactions that never came to me and the bank has no record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Have contacted Flagstar bank several times attempting to get the lender placed insurance taken off my account. They have not only failed to do so but have continued to collect the increased premium via my escrow payment and resulting late fees. This insurance documentation has been sent in several times and nothing has changed with this insurance since we have owned this property.

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 2022-10-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have fraudulent inquiries reported on my credit report. These are not my inquires listed below. I did include a clear picture of my ftc report. Some companies pulled my credit more than once. These companies listed below are the ones I didnt authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX 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 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 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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX switched banking partners from XXXX XXXX to New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly. As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$100.00}. This is unacceptable. 

( Previously submitted XXXX but realized the bank should be listed as NYCB and not XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
In accordance with the Fair Credit Reporting act - # 1 XXXX and the Acct # XXXX have violated my rights. XXXX5 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 So now the problem is date opened date, date active, and date of last payment is not same as other bureaus. Delete this account because the date opened date is not the same as other bureaus which is inaccurate : [ XXXX date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, XXXX  date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX, XXXX  date is XX/XX/XXXX, the date last active is XX/XX/XXXX, and date of last payment is XX/XX/XXXX. So you must delete this because you haven't removed it for months because you guys violated my rights. 

# 2 - XXXX XXXX  Acct # XXXX This is the only one reporting but XXXX and XXXX XXXX the account except for Experian so why are you reporting inaccurately? Because you guys haven't properly investigated for a matched date last active with other bureaus which is completely violated.

# 3 - XXXX  Acct # XXXX Why date last active is different dates shown as XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian please remove this because it is inaccurate. I've uploaded for proofs in the attached documents.

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 2022-10-11 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: LA

Complaint narrative:
Early XXXX I contacted this bureau requesting due diligence be done on this account or removed they responded that the accounts that been validated but again FAILED TO PROVIDE METHODS OF VALIDATIONS! XXXX Notice for validation of debts. also this information upon further investigation of my own as the consumer has been found to be fraudulently reporting ( documentation attached ) either the company is allowing these inaccuracies to continue to report or the no investigation is being done! PLEASE REMOVE THIS ACCOUNT! 


Duties of Furnishers to Provide Accurate Information Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2022-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have occasionally used a XXXX XXXX ( TD Mastercard ) to make purchase at XXXX during the last year. In total I have made {$390.00} in purchases and incurred {$240.00} in late fees and {$20.00} in interest charges. This is equivalent to being charged XXXX percent. I have paid the fees and will close my account, but I want other consumers to be aware that Target/TD XXXX may be intentionally ignoring requests for automatic debit in order to earn fees. 

I have tried multiple times to set this card up with automatic debit, both online and by calling them. I connected my checking account and selected automatic debit on the website. Instead of enrolling the account in automatic debit, I have logged in multiple times to find that they charged me late fees for not manually making a payment. I believe this is an intentional practice to earn late fees. I have called the company to set up automatic debit, but I am still getting charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
I have asked the credit bureaus to do a Theral research of my credit report, they did but when i do my research i find that there are inconsistencies in the accounts reported to my personal credit file.in accordance with the fair credit reporting act convergent account numbers starting XXXX, XXXX, XXXX, ( XXXX, XXXX auth user I have asked to be removed from the following accounts since as auth user i am not responsible ) those accounts have violated my rights as states in 15.usc.1681 section 602A sec:2 also states a consumer reporting agency can not furnished 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 2022-10-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked the credit bureaus to do a XXXX research of my credit report, they did but when i do my research i find that there are inconsistencies in the accounts reported to my personal credit file.in accordance with the fair credit reporting act XXXX  account numbers starting XXXX, XXXX, XXXX, ( XXXX, XXXX auth user I have asked to be removed from the following accounts since as auth user i am not responsible ) those accounts have violated my rights as states in 15.usc.1681 section 602A sec:2 also states a consumer reporting agency can not furnished a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: IL

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 acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance

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 2022-10-11 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: FL

Complaint narrative:
at XXXX on XX/XX/XXXX, I received a portion of my paycheck on my Chime banking account, as was typical for a tuesday night. at XXXX the same night, a merchant called XXXX XXXX XXXX ( likely named such in order to impersonate XXXX XXXX charged me for a total of {$120.00}, divided into 3 segments of {$60.00}, {$30.00} and {$31.00}. at the time of these transactions I was asleep at my home in XXXX, Florida while this merchant is located in XXXX XXXX, California, somewhere I have never been. the next day I called Chime to try to resolve the issue and they told me it was too soon to dispute the transaction because it was still pending. once the transaction cleared, I called again and filed the dispute. later that day, I received an email that my claim was denied. I was beside myself and exchanged several other emails with Chime to try to figure out what grounds they had to deny my refund. their evidence included the fact that I had previously attempted to dispute the same clearly fraudulent transaction ( very illogical ) and that it was no unusual spending velocity, which is simply untrue ( usually I buy a few things at a time, not spend my paycheck all on one thing ). 
Chimes response was that I can file a rebuttal, but in order to do so I would need to provide documentation that I didnt make the transaction. I have eye witness proof that I was at home that night, not spending money, but I dont see how it is possible for a document to exist which proves that I didnt approve any given transaction. there is no proof or history of me making a transfer, purchase, or transaction in any way similar to the one that occurred with the merchant XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2022 I notified my credit card that I had unrecognized charges on my account and filed a dispute. On XX/XX/2022 they notified me by mail that one of the charges was valid and that the provisional credit they'd issued to me had been reversed. The charge was in the amount {$610.00} for transaction XXXX which was charged on XX/XX/2022. 
I did not make this purchase but am being charged the full amount plus interest.

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was accepted into the Florida homeowner assistance program back in XXXX. Supposedly the state of Florida sent out my first mortgage check on sept. XXXX to XXXX bank. XXXX bank claims they have never received anything but the state of Florida insist that the bank is holding up the check because they sent it to the correct address. Neither the state or XXXX bank are being helpful in tracking down these federal funds that were allocated to help homeowners like me. I have called the state and XXXX times and the state of Florida swears they have sent a check on XXXX and XXXX on XXXX to a XXXX XXXX XXXX XXXX, Ohio. XXXX bank has no way to check if they have received them or they arent accepting them, they dont care to help me and only want the payment made, they dont care to help track down mail with payments that has been sent to them. XXXX probably threw it out. I have no way to hold either party accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: TN

Complaint narrative:
i received alerts of a collection account being placed on my credit report by cedars business services after looking into the matter it is coming from i robot corporation. i called the collection agency who did everything they could to collect this XXXX even after i explained to them i did not order anything from i robot. i explained i had a fraud alert on my credit report and i am a victim of identity theft. The agent was more concerned with paying the debt then trying to resolve the issue. i did not open a i robot account no information was used to order this item which i dont even know what it is besides my name no birthdate or social security number nothing. they are aware of my complaint as ive exhausted myself in talking to them to resolve the issue. a police report for id theft was filed and will be attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-10-11 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I been trying to get this MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX Off my credit report because it not my account. I wrote letters and e-mails that this wasn't mine. If you pull up my credit report you can see that I pay all my credit card bills on time without a problem. I'm sending you this complaint because I needed to apply for a parent loan for my son that's in college. I don't know what to do but tell my son he has to come home because they won't delete this from my report after I sent in several letters. I do have proof that I sent it online but I know longer have copies of the mail in letters due to a house fire that I had

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : 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  I ( XXXX XXXXr : 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 *** and ( Original XXXX : ) XXXX 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.

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