vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: WA

Complaint narrative:
I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: MI

Complaint narrative:
On Tuesday XX/XX/2023, I was connected with XXXX XXXX ( Licensed Loan Officer ( XXXX # XXXX ), Prosperity Home Mortgage Direct ( XXXX  # XXXX ) ) through XXXX. I was looking on XXXX just to get an idea of rates. I was connected with XXXX within minutes. I informed her that I was interested in looking into a HELOAN for {$20000.00}. She confirmed she offered this product and proceeded to take my information. Approximately 20 minutes later she called me and said that she had good news, she had great refinance options for me. I told her I wasnt interested in a refinance ; I was only interested in a HELOAN. She said with the amount I wanted to borrow, she couldnt do a HELOAN and reiterated she could do a refinance. 

XXXX knowing that I was only looking into a {$20000.00} HELOAN and knowing that she COULD NOT help, still took my information and ran my credit. She intentionally misled me from the beginning and ran my credit knowing she didnt have the product I requested. I don't even think Prosperity Home Mortgage offer home equity loan/line of credit options ; however, she still took my information, processed an application and ran my credit. 

The first issue- XXXX should not have proceeded with the application or the credit pull because she didn't have the product/service I was interested in. 

Secondly- as a result of the credit pull, I have been inundated with calls and text messages from loan officers, brokers and mortgage companies that believe Im looking for a mortgage or a refinance. I received 67 CALLS on XX/XX/XXXX starting from XXXX XXXX to XXXXXXXX XXXX This was even with me turning my phone off periodically throughout the day. I ultimately turned my phone off at XXXXXXXX XXXX  or who knows how late the calls wouldve gone. This also doesnt include the numerous text messages I received. The calls started again today ( XX/XX/XXXX ) at XXXXXXXX XXXX keeping pace with yesterday. This is maddening and absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-04-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX  Account NumberXXXX  Account Number : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX  Account NumberXXXX Account Number : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX is showing that my loan history for my federal student loans is current/on-time. However, I applied for a vehicle lease program with XXXX XXXX XXXXXXXX XXXX XXXX Arkansas ( and incurred an inquiry as a consequence. ) XXXX, the General Manager that assisted me advised that my Transunion report indicated that the most recent remarks for my student loans, stated 120 days late. 
XXXX reports the opposite. I can not be LATE on-record, because payment extensions were extended nationwide throughout the pandemic and for isolated disasters affecting borrowers of certain areas. 

XXXX also reported that my XXXX score was XXXX and yet, I was still denied credit at the dealership. 

I would like very much for XXXX XXXXo FIX any inconsistencies in their reporting, and for Transunion to correct its errors,

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 2023-04-27 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: FL

Complaint narrative:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
The original transaction was XX/XX/XXXX that wasnt me I disputed the charge with chime after a couple weeks they denied it and sent a email that I had to wait 10 business days for them to get the documents together to show why they denied my dispute. I have constantly emailed them I finally got 1 response they said I would get it no later than XX/XX/ and thats the last response I would get back from them. Still havent received anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, 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 an account without my written instructions. I also had no recollection of an account in Ohio. All transactions from this credit card were made in Ohio and I have not resided there in the past 10 years due to my military status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-04-27 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: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX - I mistakenly paid the Bank of America Card {$4400.00} instead of the vendor I had intended. 
XX/XX/XXXX -I called BOA and asked them to return the money to my account. I was told 'no problem, I've got you! ' XX/XX/XXXX -No money was transfered. Frequent checks to app to see my bank account did not receive the money. I was unable to pay the intended vendor fully. 
XXXX - no money was transferred. I called and was told they would escalate it to a manager. I was told 'It will take 2 weeks to transfer it to you " XXXX - No escalation evident after call. 
XX/XX/XXXX - No escalation or return of money. Person on phone waid I should send a fax copy of my bank statement to BOA so they can confirm the initial transfer. 
Around this time I received a letter dated XX/XX/XXXX stating they were looking into this. 
XX/XX/XXXX - Sent fax with my bank account info showing initial transfer. 
It is now 4 weeks with no resolution. 
Around this time I received a letter saying the money was 'transferred back to my account. ' Frequent checks on my bank account showed no transfer. 
XX/XX/XXXX - after frequent calls to BOA, I could not get my problem escalated to be a level where it could be solved. No return of money yet. I was now was told ' the transfer back to my account was complete '. That the date of transfer back to my account is allegedly XX/XX/XXXX. I was told a 30 business day waiting period was initiated on XX/XX/XXXX - 30 days after my first request. I was not given the info they required at that time. 
XX/XX/XXXX - Calls to my personal bank indicated there was no money waiting to be transferred into my account. 

Every call takes over an hour- the screening robo answering service is difficult to get through to a person. No person is able to assist and solve this problem. 

XX/XX/XXXX - My bank- XXXX XXXX- has initiated an investigation and may reinstate my account while waiting for the BOA. 

BOA has offered no assistance to shephard this issue through the system. I feel my money has been stolen. I don't know where it is.

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 2023-04-27 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:
In accordance with the Fair Credit Reporting Act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

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

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 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2022, received email stating I owed {$29.00}. plus to PayPal credit for purchase in XXXX. I emailed back indicating I never opened a credit account with PayPal nor made a purchase for {$29.00} in XXXX. Every month since, I have been receiving emails for increasing amounts with interest and penalties on this issue although I have written and phoned, spoken to to the Fraud department about this, had the case closed and reopened three times, through Synchrony Bank. Each time they claim their investigators have reviewed the case and I owe the amount, An no time has anyone from either PayPal or Synchrony Bank initiated a contact with me, even when I informed the managers at Synchrony that I had Excellent credit and had a prior experience with them that was very satisfactory in the thousands of dollars. I even asked them why, if commonsense prevailed, would I continue to object to a miniscule {$29.00} issue given my record. They had no answer and I continue to be billed, now for {$99.00}.

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 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am exhausted and it has taken a toll on my health. This company continues to report credit card fraud on my account. I have been turned down for numerous things because of this including my rest home. I called XXXX XXXX  as they requested and they have removed it and investigated it but LVNV is still reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HANCOCK WHITNEY BANK
State: NJ

Complaint narrative:
Hancock Whitney will not let me close my account. I called to do so and they said I first had to transfer the money out of my account. I connected my other checking account ( XXXX ) to my Hancock Whitney account and then tried to initiate a transfer. The Hancock Whitney platform does not allow me to initiate a transfer. I tried to do the transfer through XXXX, but XXXX told me the transfer was blocked because my Hancock Whitney account was frozen. Hancock Whitney 's online banking platform says nothing about this, and their phone line has " been down '' when I have tried to call them. They are charging monthly fees for non-use. 

Separately, they have also charged me monthly fees for non-use with NO NOTICE for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NJ

Complaint narrative:
Hello ive disputed a collection with Transunion and they removed it and reinserted it back without notifying me XXXX business days after and certifying that the items was validated properly XXXXat is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Reinsertion Of previously deleted Inaccurate/invalidated items.

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 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX, this company has been informed to not contact me multiple times, continues to call and harass me about a debt involving a family member.

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 2023-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union
State: MN

Complaint narrative:
First Tech Federal STOLE {$15.00} from my savings account. I've NEVER had any problems with them in the XXXX years that I had the account open with them.

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