vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I pled to have the 90 days late payment status on both loans removed from my credit report. I was under the impression that the loans were still in deferment. I received a credit alert in XX/XX/XXXX that the loans were 90 days past due. I was unaware that the loans had entered the re-payment. In XX/XX/XXXX the federal government entered student loan repay pause due to the XXXX crisis. After several extensions the pause is extended to XX/XX/XXXX. I feel that the 90 days late status is in error. It has made a very negative impact on my credit which is preventing me from closing my house. I have worked hard over the past few months trying to improve my XXXX XXXX. This negative impact on my XXXX XXXX, has caused me stress and anxiety. The housing market is unfair for minorities, and Im requesting removal immediately. If this matter is not resolved, I will have to reach out to an attorney to help get it rectified. Ive made several attempts to get XXXX to resolve this matter. I was told theres nothing they can do.

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 2022-12-17 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: MD

Complaint narrative:
Did a voluntary repossession on my vehicle and NEVER missed monthly agreed payments and have NEVER BEEN LATE. I've PAID OFF the settlement amount EARLY and they're REPORTING ME AS BEING LATE ... AND I'VE NEVER BEEN LATE and THEY'RE JUST REPORTING THAT I PAID OFF THE LOAN AMOUNT 3 MONTHS AGO and my credit report and fico score is DECLINING and this is my THIRD TIME TRYING TO CORRECT THIS ISSUE.

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 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Airtm Inc.

Complaint narrative:
I opened account in Airtm and make all the verification steps then they send me a an email confirming that the account is verified and ready to use, then just after some days after I received money on my account I tried to send it but the system reject to send it providing me that my verification is failed I try to contact the support team but with only a typical replys and when I search to see some problems like what happened with me I found so many people saying they have scammed by the same way from this company I opened the account when I found they are located in USA and authorised as they wrote it there website I have XXXX usd in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I initiated an international money transfer on the XXXX of XXXX using Wise formerly known as TransferWise. The transfer was to pay for medical expenses for my parents in XXXX. On Wises website and app, they promised to complete the transfer the next day when you send a wire transfer of your funds to their account. I did just that and even incurred an additional wire transfer fee from my bank. Around that time, the exchange rate stated my recipient would receive about XXXX cedis. I followed up several times after I noticed the international transfer wasnt completed the next day as promised. However, the wire transfer was completed by my bank a few minutes after I initiated it on the XXXX of XXXX. Wise however claimed they never received my money, and as a result the amount the recipient was supposed to receive kept decreasing due to fall in exchange rate. I sent over proof that my bank had completed the wire transfer on XXXX different occasions to wise. I sent several emails to Wise to follow up as well. I corresponded with both XXXX and XXXX from Wise about the reduction in the exchange rate and delay in transfer during those times. After a week, when the rate had dropped significantly, Wise finally decided to send my transfer. Because the rate had dropped significantly, they only sent about XXXX cedis yesterday, which is almost half the amount I was initially quoted. Throughout my communication with Wise, I made them aware that the rate keeps dropping and since their service promised to send the money the next day of your funds are sent to them via wire transfer, they should at least honor the XXXX I was quoted. I didnt use the normal ACH transfer which according to their app and website takes a week to complete. The amount they finally sent cant cover the entire medical expense and their procedure had to be pushed back because the funds werent even sent on time. The health of my parents are at stake, and the least Wise can do is to honor the XXXX cedis I was quoted and promised considering Im a longtime customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NE

Complaint narrative:
Due to an issue with my XXXX account being hacked, I was concerned about the safety of my account. However, my phone was experiencing a lot of difficulty and malfunctioning. I reached out to ask what my options were and if there was a way to secure the account without having to use the phone number to reopen it, Instead of responding with options, they immediately closed/locked the account and did not secure the card number which meant if there was a breach of my account, the problem was unresolved. 

I tried to inform them that this was not helpful, but they had already taken this action and I was told to prove my identity with a picture of me and my photo ID. 

Unfortunately, my phone is dead and to get said picture I had to use someone elses phone. I sent the requested picture and was then redirected to the beginning of the process. They asked me to prove my identity again with the picture. I did. They asked me to do it a third time. I am currently working on it, but Im furious. I cant get XXXX presents for my family right now due to this entire issue. 

I also have had a variety of issues with their customer service. When Ive called them, I have been put on hold for hours immediately after informing them I am XXXX XXXX. Eventually, I asked someone else to call chime shortly after me to see if this was a reaction to my hearing loss. We both asked about the same issue. I said I was XXXX and got put on hold for seven hours. The other was done with their call in about an hour. 

I am sickened by the awful customer service and failure to protect, secure, and assist their account holders. I wish to close my account, but was told I have to prove my identity despite having done so multiple times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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:
XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: IL

Complaint narrative:
Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX XXXX Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XX/XX/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 2022-12-17 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:
XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c 1681 XXXXXXXX XXXX XXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.

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 2022-12-17 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:
XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c 1681 XXXXXXXX XXXX XXXXXXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.

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 2022-12-17 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: MA

Complaint narrative:
Attached you will see and I can't be verbatim, third-party information that my credit reporting agency Equifax wanted XXXX Why would they be looking for any information about me. 
I may be wrong and please correct me, but they're there only to take the information from my credit cards or creditors and disputes and other information. Why would a credit reporting agency be looking for other information? That bothers me when somebody's using a third party. 
As we know on the internet all problems with consumers is third party information. Why did they get all that information and how did they get it and why was it from XXXX? And something about check depositing or something like that I don't know I'd like to explain more and I couldn't send anything through to Equifax through their site and they are the worst credit reporting agency around. 
I had my identity stolen last year on XXXX as veteran they never frauded or frozed my account I couldn't get back in cuz I lost my password manager and the gentleman gave me my screen name! I said you don't do that what if I was the other guy who's got my social lol well it's on the letter I'm sending you, no sir or ma'am it was not. 

Anyway not sure if this is a complaint and or a question please get back to me cuz I've never seen that on any credit report before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I spoke with multiple representative 's to return or exchange the vehicle and I was forced to stay in the contract, i also spoke with my financing company in regards to being unhappy with my purchase and nothing was done. from what i know the contract is illegal as I Stated in the previous complaint, Exeter Finance and XXXX broke my consumer rights ( 15 US Code 1602 H, 15 US Code 1602 F, 15 US Code 1635 B, and 15 US Code 1692 ). Lies and Deceit by Forcing me into this Retail installment contract and maintenance Contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
I'm not exactly sure of all the details as I did not open these accounts. I have had my information stolen. Have been disputing these for several months. I've contacted the issuer 's, also through XXXX. Nothing has changed. I don't know how to prove that it was not me. There are several lots for trailers and mobile homes for rent on the property. A small rural community in XXXXThe only way I could prove my mail or information would have been stolen is to provide the several reports both with XXXX and published on several websites about the consistency of mail theft in my town by dozens of people. I never received anything nor did I even open up this account. First being a Montgomery Ward card. According to my credit file, was opened XXXX, in the amount of {$200.00}. Second fraudulent account XX/XX/2021, the amount {$480.00}. It's a puzzlement that myself and others are the victim, yet continuously being treated as the criminal. Meanwhile the scam artists and thieves hardly have repercussions to their actions. I'm a XXXX XXXX XXXX  on a very small fixed budget. This has debilitated myself. Also had and is causing detrimental effects to my already XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
i have bought XXXX XXXX XXXX XXXX  around XXXX the last time i used robinhood app was on XXXX of XXXX and its saying that i borrowed money and i didnt have funds or something like that in my account but that account has been closed but i still had my stocks my coins i want my coins back because i didnt purchase anything or fold anything since XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: Experian Information Solutions 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 section 604 A section 2 : it also stated 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 and 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 non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, this is in reference to case numbers XXXX and XXXX. I would like these transactions disputed and my money returned back to my account. I have yet to receive these orders after countless times of reaching out to both companies, XXXX and XXXX to clarify that. Its been three weeks now, going on three and still no package nor any help on how to retrieve my lost packages!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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:
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 section 604 A section 2 : it also stated 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 and 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 2022-12-17 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:
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 section 604 A section 2 : it also stated 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.

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 2022-12-17 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.

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