vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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 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 XXXXXXXX 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 an 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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recently sent out a debt validation letters to IC systems as they are reporting a XXXX  debt on my credit report that I do not owe. I personally have never signed up for XXXX before so I found this odd. After receiving validation for the debt it dawned upon me that this debt belongs to my father who is also XXXX XXXX and happens to live with me in the same Address. The main difference in out identification is his Date of birth is XX/XX/XXXX and mine is XX/XX/XXXX. This account which does not belong to me is now impacting my credit negatively, and its something I personally do not owe.

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 2022-08-31 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: MI

Complaint narrative:
XXXX I looked at my chime checking account and saw a transaction for {$1100.00} to XXXX  on XX/XX/2022. 

XXXX I called Chime bank to file a dispute and make them aware that I did not authorize that transaction. I received the claim # XXXX and was told it could take up to 90 days to hear back. 

XXXX I received an email saying my dispute was denied XXXX I called Chime to ask for details for why my claim had been denied. I also transferred my money from that account to another account and closed my account with Chime XXXX I wrote an email to Chime disputing the denied claim XXXX I received an email from Chime stating that my case was denied because : *There were no abnormal PIN/personal identifiable Information changes visible during the disputed timeframe. 
*There were no rapid personal Identifiable Information changed, abnormal balance inquiries, or any other sings of Account Take Over in proximity to disputed timeframe *Suggesting the cardholder maintained control of the account during the disputed timeframe *No horde of denial codes are present XXXX I emailed Chime disputing their reasons for denying my claim because they did not investigate the merchant name that was connected to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MS

Complaint narrative:
I applied for forbearance and now they are giving me no repayment options other than pay the outstanding debt in full. When this began, they told me I had options to repay. This included refinance, the debt being put on the back of the loan, or a repayment plan. Now theyre saying I have no options but to pay the debt in full.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX is reporting without my consent wrong information XXXX XXXX XXXX XXXX XXXX was open fraudulently I sent several 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 non-monetary relief
Consumer complaint received 2022-08-31 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: MD

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX 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 an 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 2022-08-31 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: LA

Complaint narrative:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I need these disputes closed and removed from my credit reports. I am trying to get approved for a mortgage and they can not move forward with this process until all the disputes are closed and removed off my credit reports. XXXX XXXX XXXX ( XXXX ) I need the disputes closed and removed from my credit reports. XXXX XXXX XXXX ( XXXX ) This account also have disputes open that need to be closed and removed from my credit reports. I have contacted XXXX, XXXX and Transunion several times and instead of the disputes being closed and removed. They are opening new disputes on m y credit reports. I am trying to to get approved for a mortgage and this is keeping me from moving forward with the process. Please assist me in this matter.

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 2022-08-31 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: LA

Complaint narrative:
XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I need these disputes closed and removed from my credit reports. I am trying to get approved for a mortgage and they can not move forward with this process until all the disputes are closed and removed off my credit reports. XXXX XXXX XXXX ( XXXX ) I need the disputes closed and removed from my credit reports. XXXX XXXX XXXX ( XXXX ) This account also have disputes open that need to be closed and removed from my credit reports. I have contacted XXXX, Equifax and XXXX several times and instead of the disputes being closed and removed. They are opening new disputes on m y credit reports. I am trying to to get approved for a mortgage and this is keeping me from moving forward with the process. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

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 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 2022-08-31 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 XXXX  ) account number 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 customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 XXXX XXXX XXXX ) account number 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 customer reporting agency can not furnish an 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 2022-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
phone number is XXXX XXXX XXXX This is began back in XXXX with a text message asking me if I approved a {$3500.00} XXXX  transaction. I immediately replied " NO '' and immediately called my bank ( bank of America ). 

While contacting the bank, I received a phone call from at the time was assured it was from Bank of America because it showed up on my caller ID with the correct number of the bank and showed bank name. 

That's where it all went downhill. I was instructed to XXXX my own name to get the money back, then instructed to do it again using the case number.. 

When this transaction was completed,, I was instructed not to go back to my account for 24 hours. At that moment I once again called Bank of America and explained what just transpired. 

I spoke to XXXX in Texas in the fraud department, I was immediately informed the account was frozen, when the investigation was complete ( 45 days ) my money would be sent back to me in increments. 

I contacted bank of America numerous times during the 45 day investigation. 



On XX/XX/XXXX, I was told my claim was denied and Bank of America will NOT be refunding any of my money! 

I requested to speak to a supervisor, XXXX ( senior claim person ), Who gave me the same XXXX 

I then requested to speak to her manager ( XXXX XXXX ) to this date NO ONE HAS CALLED ME BACK! 



I have filed a claim with IC3.GOV XX/XX/XXXX as well and have not heard back from them as of yet. 



Please understand the only reason I even had this much money, is because it was left to me when my mother passed away. 

I am living on a fixed income and desperate to get this money back i BELIEVE BANK OF AMERICA IS RESPONSIBLE BECAUSE The initial phone call came up on my caller ID as bank of America so how in goodness was I to know it was a scam! Their customer service representative told me the account was frozen and my money would come back to me in increments. 

Thank you for all your help

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 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a credit application at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and entered into a consumer credit transaction with Ally Financial. At the time of the transaction I was an uninformed consumer, unaware of my protected rights, and unaware of the fraud being committed against me by the dealership and Ally Financial. I recently became aware of this fraud and the many violations by Ally Financial, and I contacted them via mail and over the phone to dispute the alleged debt tied to the transaction, and mailed a letter disputing the alleged debt, and informing them that I was rescinding the consumer credit transaction., and shortly after on or about XX/XX/XXXX, Ally Financial used XXXX XXXX  to unlawfully repossess my car from my son 's private, paid parking location in his parking garage. Ally Financial never provided me with the required validation of debt pursuant to 15 USC 1692g, nor did they provide me with the required disclosures in connection with a consumer credit transaction as required by the Truth In Lending Act, and Regulation Z 12 CFR Part 1026. I will also attach a copy of the " NOTICE OF RESCISSION '' that I mailed to Ally Financial at the address that I have for them per the contract XXXX XXXX XXXXXXXX, XXXX, Maryland XXXX, XXXX XXXX XXXX XXXX, Minnesota XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, Michigan, XXXX. Let this also serve as a notice to Ally Financial that the consumer credit transaction associated with Account # XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, is hereby RESCINDED pursuant to the Truth In Lending Act 15 USC 1635.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-31 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX 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 2022-08-31 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Citizens One. I did not open or authorize this account, and I have sent a request to Citizens One asking that the account be closed immediately. I also request that Citizens One absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the citizen 's one bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX 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 an 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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX is reporting without my consent wrong information XXXX XXXX XXXX XXXX XXXX was open fraudulently I sent several 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 non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I have made complaints on ability recovery service for not validating my debt they say they have but have not provided break down of cost or any contractual agreements or even a hippa release and nothing was done but this compliant is about something much worse they have deceived me 3 times now first time I called I was told there was no debt attached to my name the second time was when I called them back and let them know the new law passed will remove all medical debts below XXXX from credit reports they tried to convince me that wasn't true witch is lying to me to get me to pay a debt witch is illegal and a violation subject to XXXX $ fine and when I got their response back today I found out not only have they hid who bought the debt they also have a false company that doesn't exist anywhere any my credit report witch the fdcpa clearly states only accurate info is to be reported the alleged debt came from XXXX XXXX but is listed on my credit report as XXXX XXXX XXXX  witch they told me they represent then just today I found out the true debt buyer was XXXX XXXX  so now you know they have decived me multiple times have failed to give me 30 days to validate or show any contratual agreement or hippa release to validate anything reported inaccurate information hid the real debt collector and lied to me about the law if this isn't enough to fix this problem then no one is even trying at this point and you know they are lying due to seeing my first compliant and thier response naming a whole new debt collector it's all there I have also submitted a compliant the the XXXX  and sent a validation letter to the company so we will see what supporting documents the really have ( I doubt any at all ) I will submit complaints on XXXX  to if I have to but I would like the ones who lied to be and violated the laws to do what's right after being so unprofessional

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