vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XX/XX/AMAZON Account # XXXX XXXX XX/XX/CARECREDIT Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
on XX/XX/XXXX i wired XXXX from chase to Merrill lynch and is has been missing ever since. My bank XX/XX/XXXX has tried to do a wire cancel and they say Merril lynch is not responding. I have been on the phone with Merril lynch multiple times and no one can give me any answers. I'm very concerned. I didn't attach my account number to the wire so the wire went into their general account. I still would think if given the treasury reference number and federal ref tracking number they should be able to find it.

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 2022-07-05 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: FL

Complaint narrative:
I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a XXXX party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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 am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.

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 2022-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account is banned and I don't know the reason and I have not done any crime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: TX

Complaint narrative:
My SoFi checking account was frozen for fraud protection over a month ago and when I try to get in contact with them it directs me to call the fraud protection team. When calling the fraud protection team it tells me that they are busy and to leave a message and the will get back to me shortly. Leaving a message is the only option and after leave messages everyday for over a month I have yet to speak with anyone or get a call back and can not access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Sm Bus Admin ODA 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 2022-07-05 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: FL

Complaint narrative:
These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US Sm Bus Admin ODA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-05 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: NY

Complaint narrative:
I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I invested {$3000.00} worth of bitcoin to a company that made a really good website that made it seem like I was making profit. It seemed so promising when I first began. once I seen the account hit XXXX, wanted to withdrawal money. I had to send bitcoin to get my withdrawals but I was only able to make 3 completed withdrawals. I was told my account was deactivated due to too many withdrawal requests. I needed the money really bad at the time and the seemed like my only way out at the time. It cost me {$7000.00} worth of bitcoin. Once reactive my account stopped growing. My account manager stopped communicating with me and I began to really start stressing due to my living situation this scam caused me. I asked to withdrawal my entire account of {$41000.00} but was told I needed to get a certificate to show I was the legitimate owner of the account. That cost {$2500.00}. Then I was told I need to hedge my XXXX. Ive spent over {$14000.00} trying to get my money out. Once I completed one thing they asked me to do, there was always something else. I've become financially stressed due to this. It's put me behind majorly, Please 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 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been calling Comenity Capital Bank for about a week and the phone system always says high call volume, try again later. I also tried logging onto my account to transfer out the funds, but when I tried to log on, it said something like " account inactive ''. Since I have no access to the company and my accounts, it is not possible for me to withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to Transunion, XXXX and XXXX by XXXX, XXXX and XXXX XXXX. ( ref to complaint XXXX, missing primary documentation submitted through CFPB XXXX XX/XX/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 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Debt is from deceased mother. RIP XXXX 2021. Thank you have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I noticed unauthorized inquiries on my report & noticed someone had applied for something in my name. according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed. 
Company -- -- -- -- -- -- -- Date -- -- -- -- -- -- Authorized/Unauthorized -- -- -- -- -- XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX ( Bank ) XXXX XXXX  unauthorized 3. XXXX XXXX XXXX XXXXXXXX ( XXXX ) unauthorized XXXX. XXXX XXXX ( Bank ) XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX unauthorized XXXX Bank ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX unauthorized XXXX. XXXX XXXX ( XXXX ) XXXX unauthorized XXXX XXXX ( XXXX ) XXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXXXXXX XXXX  XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized

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 2022-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I initiated a wire transfer from my savings account with Bank of America to a fa mily member. Several minutes after initiating the transfer, I discovered that the transferee details were incorrect and immediately called Bank of America to have the wire transfer cancelled. I was advised by a Bank of America agent over telephone that the transaction was cancelled and would not go through. 

On XX/XX/2022 I noticed that a HOLD had been placed on my account for the origin al transfer amount. I immediately called Bank of America and was advised by an agent over the phone that this is just a technical HOLD, that my account would not be debited, and that the HOLD would be released within 24 hours. 

On XX/XX/2022 I noticed a DEBIT on my account for the original transfer amount. I immediately called Bank of America and was advised by an agent over the phone that the transaction was indeed canceled and that the DEBIT would be CREDITED back into my account by XX/XX/XXXX. 

It is now XX/XX/XXXX, and the account has not yet been CREDITED. I called Bank of America today and spoke with an agent who said that the transaction was never cancelled at all, meaning that Bank of America has been misrepresenting, misleading, and effectively defrauding me over multiple telephone calls with multiple agents. 

In addition, each call to Bank of America require s at least a 1 hour call waiting period after which I am almost always transferred to a different department with an additional 1 hour call waiting, which is utterly unacceptable. I'm not sure how to proc eed and recover the funds that were mishandled by Bank of America. I am filing this complaint in addition to initiating a lawsuit against Bank of America.

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 2022-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank has had a rash of fraud on their accounts. I got an email on XXXX XX/XX/XXXX, about an authorized activity on my account. I did not click on the email, but went to the website and tried to log in. It was locked and told me to contact their fraud department. When I called it said the wait would be over XXXX hour. I sat on hold for XXXX hour and XXXX minutes and had to hang up because I was at the doctors. For the last few days I have been calling trying to get a person to no prevail. After XXXX hours on hold their phone system hangs up on you. Their customer service refuses to help you and tells you there is nothing they can do. 
XX/XX/XXXX XXXX hour XXXX minutes- had to hang up XXXX seconds- said the wait was over XXXX hours XXXX hours XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours- had to hang up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours XX/XX/XXXX XXXX hours XXXX minutes - system hung up They have frozen my funds with absolutely no way to contact a human to assist me. Their customer services answer is we know about the problem and are working on fixing it, but you just have to keep calling until you get to a person. They will not help you, they flat up refuse to let you speak to a supervisor. If i needed these funds for any reason i would have no way to access my money.

Company response to consumer: Closed with explanation