vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 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: TN

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 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive sent numerous of certified letters via XXXX to TransUnion in regards to this alleged bankruptcy that is reporting on my Consumer Credit Report. I ask that TransUnion remove this alleged bankruptcy immediately. This has caused hardship, increased interest rates, failure to purchase a home. TransUnion has broken all legal laws concerning this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: IL

Complaint narrative:
Accounts XXXX XXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-08-13 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: OH

Complaint narrative:
First Progress is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a customer of Bank of America since XX/XX/XXXX. I opened a savings account for travel. I have only deposited money into that account, and have never, ever in the 7 years I've banked with them, withdrawn any money from this account, not even once. I'm fact, the actual card has never been on my person, it's been in a file box the entire time. I was perusing my account in XX/XX/XXXX and came across two debits on the same day, XX/XX/XXXX, one {$1000.00}, and one for {$750.00}. I filed a complaint for both of them with the telephone banking center. This was highly unusual activity on that account and BoA 's fraud detection system failed to detect or even notify me. {$1000.00} was taken out of the drive through ATM and {$750.00} was taken out inside the bank. I was assured on the several phone calls I made regarding this case that they do have security tapes and they would investigate these issues. I received no information for very long periods of time. After one of my calls they sent a letter by mail declining to affirm that the {$1000.00} ATM withdrawal was fraudulent activity. I called the fraud department and they could give me no added information. I could not get an email address, name or direct phone number to anyone in the fraud department. I called again and sent another letter requesting any information they had that would conclude it was legitimate. No reply. I sent another letter ( 3rd letter ) and a fax, to a number I was given on the phone, inquiring about the {$750.00} in-bank withdrawal and much later I received a letter denying this claim as well. 

I will include all correspondence and if needed, statement summaries going back to XXXX which proves everything I have said. 
Again, BoA fraud department has NO EMAIL ADDRESS, NO NAME, AND NO DIRECT PHONE NUMBER to the fraud department. This is highly suspect to me. I have had to communicate with them only by mail. They have not answered any questions, and haven't given me any information I've requested. 
I have attached 33 pages of account statements going as far back as I could, to XXXX, including the XX/XX/XXXX statement showing the glaringly fraudulent account withdrawals, which proves everything I've said. The bank tapes should back this up as well, if they actually do have them as they claim to. 
I have obtained legal council, who advised me to file this complaint with the FDIC as well.

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 2023-08-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute letter to both Experian and XXXX on XX/XX/2023. To this date, I have not yet heard back from Experian in regards to the dispute. I received a response back from XXXX on XX/XX/2023, but the matters of the dispute were not rectified. The dispute was to notify Experian and XXXX of the unauthorized Disclosure of Nonpublic Personal Information. XXXX responded by saying that item belongs to me but I never disputed the fact that the item belongs to me, I disputed to them by stating that every account on my consumer report had disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with the requirements of 15 U.S. Code 6803. This action is a clear violation of my privacy rights and an infringement upon the safeguards put in place to protect consumers like myself. Again Experian never responded to the dispute and XXXX did not do their due diligence in properly investigating this matter. 
Tracking Number of dispute for XXXX Tracking Number of dispute for Experian : 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 2023-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
I received a letter from NYS higher education services corporation that a loan was submitted to the collection company XXXX  for a loan taken out on XX/XX/XXXX that was {$3000.00} which I already paid along with 2 others amounting in {$19000.00} and {$27000.00}. The NYS letter has my ex husbands name on it with my social security number. I called NYS and they said it was out of their hands bc it was sent to a collector. I called the collector and told them it was all paid off but now 20 years ago so I do not have the paperwork. Why would they contact me over 20 years and not then? I have no debt and paid off all the other loans so it does not make sense. I XXXX from school in XXXX as a XXXX XXXXr and my ex and I paid off the loans when we sold out townhouse 15 years ago. Up until then we paid them on time each month. What is most concerning is it was his name and my social security number on the first letter sent in XXXX. I called 2 different collection agencies that it was sent to XXXX and XXXX. This is so confusing and I am a XXXX mother who has worked hard post divorce to get my finances in order and have no debt until I saw this from Trellis saying since the pause period has ended for Covid that I owe but does not state on this rent letter how much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am not liable for this dedt with Ally Financial, I did not have a contract with Ally financial, they did not provide me with the original contract as requested

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 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Request for Assistance in Resolving Credit Karma Fraud and Recovering Stolen Funds Dear CFPB I hope this letter finds you well. I am writing to seek your assistance in resolving a distressing situation involving fraudulent activity on my Credit Karma MONEY account and the subsequent loss of a significant sum of money from my account. Despite my best efforts to resolve the matter directly with Credit Karma, I have encountered significant hurdles and lack of cooperation in recovering my stolen funds.

I recently discovered unauthorized transactions and fraudulent activity on my Credit Karma account, which resulted in a total loss of {$4000.00} small transactions. I reported this incident to Credit Karma and initiated the necessary steps to address the identity theft issue. However, I have encountered great difficulty in receiving the appropriate support and resolution from Credit Karma 's customer service team.

Credit Karma has informed me that they will not proceed with my case, citing " verified purchases '' as the reason. However, I want to emphasize that these purchases were not made by me, and I strongly believe that they are a result of identity fraud. I have diligently reviewed my financial records and personal information, and I can confirm that I did not make these transactions nor authorize anyone else to do so.

Despite my repeated attempts to provide evidence of the fraudulent activity and my numerous requests for assistance, Credit Karma has been unresponsive and unwilling to investigate the matter further. This has left me in a deeply frustrating and vulnerable position, as I am now faced with not only the loss of a substantial amount of money but also the potential long-term consequences of identity theft.

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can intervene on my behalf and help facilitate a resolution to this matter. I kindly request your assistance in investigating this case and ensuring that Credit Karma takes the necessary steps to address the identity theft and refund the stolen funds to my account.

Enclosed with this letter, please find copies of relevant documents, including the unauthorized transaction records, correspondence with Credit Karma, and any other pertinent information that may aid in your investigation.

I greatly appreciate your attention to this matter and your commitment to consumer protection. I sincerely hope that with your intervention, we can bring about a swift and just resolution to this distressing situation.

Thank you for your time and consideration. I look forward to your response and guidance on how to proceed further.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
According to the FAIR CREDIT REPORTING Everything has to be one hundred percent accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if there is a credit sale deficiency, it is reporting that this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. This has never or will be a loan agreement in place. Under any premises were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. 

Also the reporting of the lateness on the credit report is in accurate, it states I was current then 30 days late XX/XX/2018, 90 days late XX/XX/2018 and the vehicle was reposed in XX/XX/2018. 
The date last reported is inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A : states that I have the right to privacy 15 U.S.C 1681 SECTION 604 A SECTION 2 : states that a consumer reporting agency can not furnish a account without my written instructions Lastly the reinvestigation has taken more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As previously stated, the payments made towards my XXXX XXXX account XXXX is not being accurately reflected across all credit reporting accounts. I have attached several documents that clearly indicate correct payment activity for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents serve as concrete evidence that I have indeed met my payment obligations during these months. 

Furthermore, I wish to bring to your attention that specific arrangements were made regarding the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Through an extension agreement, these payments were rescheduled to be fulfilled at a later point in accordance with the terms of my contract. I kindly request that you update my credit report to accurately reflect these contractual adjustments. 

In light of the aforementioned information, I urge you to take immediate action to rectify this situation. I request that you correct the inaccuracies in my credit report by removing any late fees associated with the aforementioned months and accurately reflecting the true status of my XXXX XXXX account payments. This correction is essential to ensure the fairness and accuracy of my credit history. 

Enclosures : - Documentation of Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Copy of Extension Agreement ( XX/XX/XXXX, XX/XX/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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As previously stated, the payments made towards my XXXX XXXX account XXXX is not being accurately reflected across all credit reporting accounts. I have attached several documents that clearly indicate correct payment activity for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents serve as concrete evidence that I have indeed met my payment obligations during these months. 

Furthermore, I wish to bring to your attention that specific arrangements were made regarding the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Through an extension agreement, these payments were rescheduled to be fulfilled at a later point in accordance with the terms of my contract. I kindly request that you update my credit report to accurately reflect these contractual adjustments. 

In light of the aforementioned information, I urge you to take immediate action to rectify this situation. I request that you correct the inaccuracies in my credit report by removing any late fees associated with the aforementioned months and accurately reflecting the true status of my XXXX XXXX account payments. This correction is essential to ensure the fairness and accuracy of my credit history. 

Enclosures : - Documentation of Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Copy of Extension Agreement ( XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Have received a check from XXXX XXXX every 2 weeks for the past 2 years. I was supposed to receive my paycheck on XXXX  ( or 2 days before with chime ) & I still have not received it XXXX XXXX

Company response to consumer: Closed with explanation