vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-31 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:
On XX/XX/2022, I mailed in a communication to Experian to look into some accounts on my consumer report that I believe are inaccurate. I asked them to investigate the accounts to ensure they contain the maximum possible accuracy. 

To date, I have not heard about any specific action taken by Experian regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

The FCRA also includes what should be excluded from a consumer report. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give anyone at Experian written instructions to furnish any of these accounts to my consumer report. 

Experian has violated multiple laws within the FCRA, and they are not complying with these laws in a timely manner. 

The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number 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 2022-08-31 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy

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 2022-08-31 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: SYNCHRONY FINANCIAL
State: AL

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 1681 Section 604 A Section 2 : It also states 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 any 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 2022-08-31 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: Stellantis Financial Services US Corp.
State: AL

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 1681 Section 604 A Section 2 : It also states 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 any 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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Accounts, Inc.
State: MN

Complaint narrative:
Landlord at XXXX XXXX  in XXXX, ND attempted to continue collecting monthly rent payments for an apartment after already terminating lease and evicting me only about halfway through the original lease term ; charging me rent for the remaining months which I was no longer living there and was locked out of the unit. Landlord then gave this debt to the collections XXXX UNITED ACCOUNTS INC and the collections agency has gone on to engage in an act of debt parking, which is a violation of FCRA and FDCPA regulations. This debt parking tactic has caused great hardship for me - preventing me from renting apartments and finding housing, preventing me from getting approved for any type of loan or credit, and causing significant financial obstacles for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
I tried to buy {$250.00} in an XXXX XXXX on XXXX and they sold me a counterfeit version of the XXXX USD-pegged XXXX on a " sidechain '' from which you can not send or exchange it. 

This is fraud. I complained and they told me : " Currently, there's no XXXX to XXXX XXXX developed by the XXXX team, as the  project " XXXX XXXX XXXX '' is only on XXXX and is yet to be launched on XXXX. 
XXXX profile '' So the XXXX I bought is not REAL fungible XXXX on the XXXX XXXX  which I was never told when buying it that I would not be able to send it to my regular XXXX token wallet because they built their own fake version of XXXX that makes the tokens you buy even more useless and worthless than regular cryptocurrency...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-08-31 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-31 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: PA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-31 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report 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 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America changed the status of my account without my authorization. The account was initially set up to not overdraw, now I'm incurring monthly fees and overcharges. 

I check the account before and after transactions to insure my being able to make purchases. Transactions are always immediately deducted from the account and placed on hold and the balance reflects it. I always make sure there are sufficient funds available to make my next purchase. 

It is the bank that hasn't sufficient funds and they are dime and nickeling funds from my account 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 monetary relief
Consumer complaint received 2022-08-31 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-31 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sirs, Dear Sirs, this is my complaint against BANK OF AMERICA, NA ( XXXX ). 
I sent the following money transfers, which were frozen by this bank without any reason : XXXX : XXXX XXXX : XXXX Sender : XXXX XXXX XXXX Value date : XXXX, XXXX Sum : XXXX XXXX, XXXX usd Beneficiary : XXXX XXXX XXXX, XXXX Description : WORK ( SERVICE ) DELIVERY. PAYMENT FOR THE CAR / BUYER XXXX, STOCK XXXX XXXX tracker : XXXX XXXX XXXX XXXX, XXXX. - successful Since XXXX XXXX XXXX XXXX XXXX XXXX  . - pending XXXX ( investigation request ) dd. XXXX no result XXXX ( recall request ) dd. XXXX no result I know very well XXXX sanction lists, XXXX procedures & other XXXX. My money is 100 % legal & Im able to confirm it. No one from the participants of the payment was not under the sanctions/restrictions. The goal of the transfer was prepayment for a car, as per the invoice ( attached ). 
By my own initiative, Ive sent to BOFA ( XXXX ) all the documents concerning the payment : XXXX, invoices, scan copy of my passport. 
But the only answer was : Unfortunately, we can not provide you with the information you requested because the wire was not initiated at Bank of America. We recommend that you contact your bank. 
But the Senders bank has already sent all the necessary information to BOFA! 
BOFA ignores it. 

BANK OF AMERICA , N.A . must release the money! 

My address is : XXXX, XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime refused to repay me money for charges I never made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I filed a fraud claim on my debit card over 3 weeks ago and I am still awaiting the results. I have emailed them several times via the secured message system and Navy Federal Credit Union still has not even read those messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: LA

Complaint narrative:
I applied for mortgage assistance through the Louisiana XXXX XXXX  XXXX. I was approved for $ XXXX, they are waiting on documents from Midland. When I call Midland Im being told that the Louisiana XXXX XXXX  XXXX denied my application, I did a conference call with Midland and the Louisiana XXXX XXXX  XXXX, the XXXX XXXX  XXXX told Midland that they hadnt denied the application they are still waiting on them to send in documentation, the representative for Midland said she was notating the account and the matter would be resolved. As of today XX/XX/2022, this matter is on going. Whenever I call Midland its always the same thing, homeowners fund denied your application I tell the rep no thats incorrect Midland put those notes in there, its always a debate. Everyone I speak with at Midland always tells me something different, I have XXXX XXXX even thinking about calling, I feel like theyre trying underhanded practices to make me lose my house.

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 2022-08-31 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report 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 2022-08-31 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 XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report agency can not Furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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