vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
From morning til night the company Affirm has been calling me repeatedly for the past two weeks despite paying my overdue amount and telling them Ive paid and to stop calling. It is nonstop. 
This is the number they are calling from : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, EQUIFAX has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 on the corner of XXXX XXXX and XXXX in XXXX, New York, I was approached by a male, XXXX XXXX, over XXXX, mid to late XXXX. He asked me if I knew anything about overdraft fees from the bank. He claimed to have a balance of - {$300.00} in his bank account and he had a check for {$800.00} that he wished to deposit but didn't want the bank to deduct {$300.00}. So he asked me to deposit the check for him and give him the cash. I obliged and deposited the check in an ATM. Immediately I had a balance of {$500.00}, I took it out in cash and gave it to him. The next morning the remaining money cleared and I sent it to him via XXXX. It wasn't until XX/XX/XXXX that {$800.00} was deducted from my account and I realized the check was a fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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:
According to Title 15USC 1681 # 3, and # 4 Equifax assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the Equifax agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is not a 3rd party nor did I submit this in error.This is second letter I have sent to Equifax and they are intentionally and willfully being neglectful in remedying my affairs, see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted 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 2022-08-04 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:
Equifax has unlawfully violated my rights of privacy and consent as a consumer which has negatively affected my overall purchasing power as a consumer. 

15 USC 1681a ( 3 ) : Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681a ( 4 ) : There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b ( 2 ) Permissible purposes of consumer reports Equifax has assumed a vital role as a consumer reporting agency. Equifax did NOT exercise their GRAVE responsibilities, were unfair, impartial and disrespected my right to privacy. 

I NEVER instructed Equifax to furnish or create this consumer report. Furthermore, I NEVER consented Equifax to this consumer report in the first place. 

I have contacted Equifax multiple times via first class mail and telephone. I have telephone records of Equifax reps responding with " individual actions '' and have committed willful negligence and repeatedly hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 did not exercise grave responsibility when making fake scores. They violated the fair credit reporting act. They were unfair, partial, and did not respect my right to privacy. They never had a permissible purpose. They were never instructed to furnish my report.

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 2022-08-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on XXXX. While Equifax is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

XXXX. Last reported date on XXXX and Equifax is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

XXXX. Date last Active again is reporting for XXXX and Equifax as XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: NJ

Complaint narrative:
XXXX Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on Experian. While XXXX is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

3. Last reported date on XXXX and XXXX is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

4. Date last Active again is reporting for XXXX and XXXX as 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 2022-08-04 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 USBK COURT XXXX FLORIDA 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 2022-08-04 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:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX ( XXXX  ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX XXXX XXXX ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am 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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I applied for a PNC checking account on the date of XX/XX/XXXX, but never received the {$300.00} bonus as advertised. 

I tried to contact PNC a couple of times and the specialist, on XX/XX/XXXX, told me that I am not qualified because the application was approved ( early XXXX  ) after the promotion period ( The offer is good through XX/XX/XXXX ), although the application was submitted within the promotion period. 

However, the PNC customer service person, on XX/XX/XXXX, provided totally different information. She indicated the promotion period is based on the application date, and I should not have any problems, even if the approval is not immediate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This in not a 3rd party nor did I submit this in error, but this is my second attempt to remedy this situation with Experian and it seem they are ignoring my request

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 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/2022 I was scammed through Zelle through my bank account XXXX XXXX XXXX. They took {$800.00} from my account, I called XXXX that same day and reported what was going. The next day a representative from Zelle called me for more information on what happened. The representative on the phone told me they would be doing an investigation and that I should hear back via mail in 7-10 business days. It is now XX/XX/2022 and I haven't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 2022-08-04 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, 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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On or about XX/XX/XXXX my wife and I made a mortgage application to refinance our existing mortgage with PNC Bank XXXX XXXX  for a lower interest rate. This process was over the phone and secure email out of PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX The Loan Officer : XXXX # XXXX XXXX XXXX XXXX To this Day XXXX XXXX, XXXX we do not know why PNC Bank N A refused to refinance our loan? 
After 6 months of back and forth for the ( same information ) documents over and over again needed to be submitted to close on the new mortgage, I suspected PNC was not going to close and fund the new mortgage. 
We made a new mortgage application at another national Bank and closed our new mortgage within 90 days with no request for money upfront. 
The Complaint : PNC Bank Charged us XXXX dollars on XX/XX/XXXX. I have requested a refund. As the Loan Officer stated many times the funds would be refunded at closing. The closing did not take place and no reason was given. The loan to value was very low and my current mortgage company did not require a property appraisal or any money upfront. 
I requested the refund in an email on XXXX XXXX XXXX To : XXXX XXXX and numerous times by phone. 
Please help me get the refund due us and hold PNC Bank accountable Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: PA

Complaint narrative:
Equifax has created reports that I never instructed nor consented to being made. They also have not exercised their grave responsibility and were unfair, partial and did not respect my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 have attached 2 FTC reports with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Uplift, Inc
State: TX

Complaint narrative:
According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In the attached letter to me from Bank of America, dated XX/XX/XXXX, XXXX XXXX of Bank of America states that they will turn two hard inquiries into soft inquiries on my credit files : one hard inquiry on XX/XX/XXXX, and the other on XX/XX/XXXX, XXXXBank of America knowingly committed deceptive, abusive and unfair marketing practices through their website 's online tool to allow pre-approval checks for their credit card offers. As a result of my complaint against this, Bank of America and XXXX XXXX took minimal responsibility for their actions by agreeing to make these hard inquiries into soft inquiries. As of the date of this CFPB complaint, these hard inquiries remain on my credit files as hard inquiries ; they have not been turned into soft inquiries as agreed to in their written correspondence ; and they are causing a derogatory and intentionally harmful impact to my credit -- directly as a result of XXXX XXXX and Bank of America 's failure to do as agreed in their attached correspondence. I have waited far longer than the 90 days than Bank of America said it would take to complete this transaction. Bank of America has now, intentionally and deliberately defaulted on their agreement as outlined in the attached letter from XXXX XXXX. Bank of America has caused me financial harm and damaged my credit report by not following through on their written obligations and promises to me to turn the hard inquiries into soft inquiries.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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