vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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 Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : 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 2022-07-12 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 Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : 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 2022-07-12 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: PA

Complaint narrative:
I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Transunion. I sent Transunion a " Privacy Opt Out Notice '' on XX/XX/2022. Transunion has been fraudulently disclosing my personal and private consumer information without my consent, which includes the five accounts listed on the notice. I am requesting immediate deletion off of my consumer 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 2022-07-12 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: OH

Complaint narrative:
I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXXXXXX XXXX  XXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXXXXXX XXXX XXXXXXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. XXXX XXXX has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for XXXX XXXX  to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. XXXX XXXX  was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.

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 2022-07-12 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: AZ

Complaint narrative:
I opened a small loan about 3 months ago, on a 2 year loan term. I took advantage of the 3 months interest free, if the loan was paid off in full within that time. I successfully complete the obligation on the loan. A review of my Equifax credit report showed that positively paying off the loan within the terms of the loan agreement dropped my overall credit rating from Good to Fair, and dropped my credit score by XXXX XXXX. Now, in the process of refinancing an auto-loan, Ive lost the improved interest rate I would have attained under a rating of Good to where I have to accept a higher interest rate or decline the loan, for the positive completion of another loan, within terms. 

Im discussing this issue with Equifax, they tried to point me to a credit counseling service. Instead. I wanted someone to explain their algorithm for how the positive settling of a loan had such a drastic and negative impact on my score and rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 did not give the company written or oral permission to furnish this information on my credit report. In pursuant to 15 USC 1681b this company did not have a written permissible purpose to furnish this information on my consumer 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 2022-07-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, and XXXX XXXXXXXX account number XXXX have 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 2022-07-12 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: Home Loan Center, Inc.
State: FL

Complaint narrative:
I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/22 I bought a new truck in XXXX my score wasn't the greatest my bank advised me to get a XXXX so I didn't it's an XXXX XXXX by Chase had a $ XXXX limit I've been using it and paid it off each month last month was like {$1000.00} this month was {$1200.00} I got an email on Sunday from credit bureaus saying my score dropped XXXX points I paid the amount as usual before due date so today I called Chase explained to them I only have the card to increase my score y'all allowed the limit to run over but I paid it y'all still docked my score XXXX points they increased my limit to $ XXXX but I want those hit on my credit fixed I do not feel it is fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
Dear Equifax and XXXX, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the VA. My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only Credit Reporting agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you Equifax. You play XXXX  and I demand that you delete the late payments ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a Credit balance of XXXX Which I used on to pay for services done to my car in XX/XX/2022. The services where never done and I was charged XXXX made A complaint to the creditor in XXXX which they told me to handle with company first..which the company pay me XXXX back on a XXXX Job. Called back today XX/XX/XXXX just for them to tell me they can't help me..they owe me XXXX. The Credit Card Name is XXXX XXXX Card..stay away even if you get fraud they still hold you reliable ... You been Warned stay away from this Credit Card...

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 2022-07-12 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX my PayPal account was terminated for being " in violation of PayPal 's Acceptable Use Policy. '' I was told that the money I had in my account would be frozen for 180 days. I spoke with two customer service employees about this at the time, who confirmed that my funds would be available to me after the 180 day period. On XX/XX/XXXX, nearly two weeks before the 180 days were up, PayPal withdrew the funds from my accounttotalling $ XXXX no prior notice or warning. I've called PayPal several times and spoken with several customer service representatives who have told me " the back office is investigating this. '' But then I never hear anything from " the back office. '' After conducting some research online, and discovering that a class action lawsuit has been filed against PayPal for this very thing, I'm convinced that PayPal is engaged in fraudulent activity by seizing people 's money and justifying the seizure through the application of an unlawful and unenforceable liquidated damages clause that amounts to a contract of adhesion. The liquidated damages provision and the seized funds have no relation to any actual damages suffered by PayPal and amount to nothing less than fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: MD

Complaint narrative:
On XX/XX/2021 and XXXX XXXX, I filed a dispute with Experian, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.

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 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting a XXXX XXXX filing on my credit report Ive never filed a XXXX  XXXX I started the process and it was withdrawn from the Bankruptcy CASE # XXXX was never finalized in United States Bankruptcy and it was Withdrawn.Yet Transunion is still reporting this error on my credit according FCRA THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED WITHIN 30 DAYS AND THIS HAS DRAGGED ON FOR OVER A YEAR.

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I owed a debt to XXXX XXXX in the amount of {$520.00}. The amount was sent to Credit Collection Services. Upon settling the debt yesterday, the amount was taken from my account, and the agency did not give me a receipt. I was able to take a screenshot of the account payment. XXXX has not been notified of the payment, I am concerned that this company fraudulently withdrew funds from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Someone opened an online savings account in my name with my address and social security number with Discover Bank. I need protection.Please advise

Company response to consumer: Closed with explanation