vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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:
n accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # 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 2022-07-08 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: GA

Complaint narrative:
n accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
Hi there, I applied for the XXXX XXXX checking account and was approved. Since then I've created online login and received debit card, however, I was not able to access the online portal either on the desktop or via the mobile app. It consistently displayed error " Something went wrong. ". Please advise asap, this feels very scamy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. 

I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. 

I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.

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 2022-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: TN

Complaint narrative:
Dear Sir/Madam On XX/XX/2021 I paid off the full amount of total {$22000.00} loan to Global Lending Services XXXX Since then I requested for title release or title noting letter to be mailed to me. But I never received any letter or title. I call them every week and they claim I should receive a letter or title in mail by next week. This been going on for past six month. 

Lender physical Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Lender mailing address : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Lender title department phone # XXXX My name : XXXX XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX  My phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
notice of dispute was not added to this account which is violation of consumer laws. I also did not receive a response from this company regarding debt validation

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 2022-07-08 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: VA

Complaint narrative:
The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 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 2022-07-08 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX was taken from my business acct at Truist bank. That bank was alerted from the Receiving bank ( XXXX ) on XX/XX/XXXX that there was possible fraud. I was never alerted and my acct was never frozen. On XX/XX/XXXX, they allowed a second withdrawal to happen via ACH payment in the amount of $ XXXX. I reported the 2 transactions after realizing what was going on a month later. I was never asked to verify the transaction in any form. Keep in mind this is a high volume acct and I do large transactions. Truist is still pending weeks later on whether they will return my money or not. I am now seeing news reports and XXXX '' XXXX of other cases similar to mine since the merge. Truist not taking responsibility and keeping the funds. People on the news and in these XXXX chats are all saying the same story... money just suddenly removed some in real time while on phone with Truist. Most are indicating this may be an inside job. I think so in my case being that they were alerted about the fraud and allowed it to continue. I know of someone else personally that just got their account with Truist wiped out yesterday. I can prove everything Im saying in writing. Pls help! This is not your normal scam. The bank is not practicing guidelines and something is wrong.

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 2022-07-08 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: OH

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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 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 explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/2022, a transaction was completed on my account for XXXX to XXXX which I did not authorize and subsequently reported to Cash App for a dispute. The funds were credited to my account and my existing card number was deactivated and reissued a new card. I have been the victim of identiy theft in the past and filed police report as well as internet crime report and an extended fraud alert added to my credit files. 

Yesterday, XX/XX/XXXX, the XXXX was deducted from my new cash app accont balance resulting in an overdraft of my account. When I reached out to Cash App support they informed me that they had reapplied the fraudulent charge and closed my dispute case. I have asked for documentation to support their decision and have not heard back. I also informed them I would be providing a police report of identity theft and Internet crime complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: VA

Complaint narrative:
The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 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 2022-07-08 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: VA

Complaint narrative:
The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 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 2022-07-08 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: NC

Complaint narrative:
Re : File # XXXX XXXX XXXX On XX/XX/2022, I spoke with a representative from TransUnion, who stated that I must show proof that the Eastern District of NC expressed in writing that they " do not report any information to the credit reporting. '' Since that date I have not received any response from the dispute to permanently remove the inaccurate item from my credit report. 

For dispute purposes, I am enclosing with proof the Courts letter confirming that they DO NOT report any information to the credit reporting agencies.

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 2022-07-08 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-07-08 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: TN

Complaint narrative:
in accordance with the fair credit reporting XXXX XXXX XXXX account # XXXX has violate my rights 15.U.S.C 1681 section 602 A. states i have the rights to privecy 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 2022-07-08 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: OH

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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: OH

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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 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 explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Pursuant to 15 USC 1602 ( p ), American Express has exercised unauthorized use of my open end credit account, and restricted spending on my open end credit account without my consent to decrease and restrict my limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, XXXX Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed UnverifiedXXXX  XXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that XXXX  Unverified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 cunsumer 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