vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 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:
According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX XXXXCHARGEOFF Other {$3300.00} Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXXCHARGEOFF Auto Loans {$3400.00} Account number XXXX Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info 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 2023-03-19 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:
According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX COLLECTION/CHARGEOFF Other {$3300.00} Account number XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Auto Loans {$3400.00} Account number XXXX Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info 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 explanation
Consumer complaint received 2023-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Car was sold in XXXX to XXXX. 

I no longer had the car in my possession XXXX  had the title and I signed the car over to them. It was no longer my responsibility for that car. 

Long story short Ive gotten two late remarks on my profile for XXXX and XXXX. When I no longer had the car at all. Ive told PNC Bank the issue and they said it was a error on their end. So I asked them what I should do they told me to send a letter to head quarters. Ive done that numerous times and never got a response. So now Im here sending a complaint because they refuse to fix the issue and its very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

Sincerely, 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 2023-03-19 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX  is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

Sincerely, 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 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing this complaint regarding dispute number : XXXX for {$440.00} made on XX/XX/2023 ; the ATM did not dispense any cash when I tried to withdraw funds. I called on XX/XX/XXXX to file a dispute regarding the issue. I was given a timeframe of 45 calendar days, however, the dispute was closed on XX/XX/XXXX! I called Chime immediately to discuss the reason why my claim was closed so quickly without a thorough investigation- and the representative couldn't provide me with anything namely as to how this decision was reached. He told me was going to be sending the " documentation via email that the disputes team used to reach their decision within 10 business days ... '' I asked him why would it take 10 business days to send me documentation? And he said because they have to " verify the accuracy of the documents before sending them to me. '' That literally contradicts what he initially said - you don't need 10 business days to verify anything if that was already done ( or should've been done ) to adequately investigate my claim. So, the disputes team literally closed my claim within 24 hours ( by the way I've been using banks for years, I have never had an ATM withdrawal claim closed in 24 hours, it takes weeks to investigate this stuff ). I am positive my claim was denied merely because Chime didn't want to pay it! By law, they are responsible for protecting my account and refunding money that was debited if an ATM malfunctions, for fraudulent transactions, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: PA

Complaint narrative:
I have insurance. I have never not had insurance. We have two full time jobs and no serious medical issues. Just routine care. I then pay all medical bills not covered by insurance through an XXXX. Over the course of 2 years, my XXXX paid my bills to XXXX XXXX XXXX and they returned the payment to my account each time. I would pay the bill- they would return it. Over and over. I called and no one knew what was happening. 

Finally, I changed the way I was paying and started using the XXXX as a credit card to pay online instead of an electronic transfer and it worked! I paid all past balances- everything they said I owed, even things I thought I already paid many times and I have had a balance of {$0.00} on my XXXX account since XXXX of 2022. 

I am still receiving collection letters from 2 different collection companies. I disputed one through XXXX and successfully had it removed from my credit report. The second continues to send letters and emails. 

I would like XXXX XXXX XXXX to STOP reporting my debt as unpaid as I have paid all debts and my balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report which I recently obtained, and I have noticed several negative items that I would like to dispute. Please find the details of the negative information below : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXXXXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

I believe that these negative items are inaccurate and have caused my credit score to be much lower than it should be. Therefore, I kindly request that you investigate these items and remove them from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a TD Bank checking account for 13 years which was impacted by fraudulent and unauthorized ATM debit card transactions charged to my checking account as described in the attached secure messages. Specifically, my checking account was charged around XX/XX/2022 for multiple debit transactions despite the fact that I never used my debit card, I had my card locked away safely under my sole control yet TD Bank authorized various Online purchases without my name, address, expiration date, 3 digit security code and other security features. Obviously, a hacker just guessed at a random debit card number which TD Bank accepted without the other requirements or, worse, a bank wide hack exposed my account data. My checking account was wiped out and I never received my requested explanation on how this fraud could happen in light that my card was never used and locked away safely. I was forced to clause my checking account as I lost faith in internal controls XXXX XXXX Bank. I request that the CFPB investigate how this could happen and how the subsequent events caused me irreparable harm by the lack of customer action to fix issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was due a {$370.00} bonus for opening my checking account. The bank gave me the {$370.00} credit twice on that day. On XXXX they debited me {$370.00}, thus reversing their error. 
In XX/XX/XXXX, I received a 1099 form, from the bank. It showed that I had received a bonus of {$750.00}. This is wrong, since they reversed the second {$370.00} credit. 
I went to my local branch, in XXXX XXXX XXXX. A banker there said it would be corrected. No such thing happened. A week ago, I visited again, speaking to the branch manager. I followed up with the Regional manager. Still no correction Due to their error, I have been unable to file my tax return, and thus my refund has been delayed. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My mortgage was with XXXX XXXX XXXXXXXX and was sold to Selene finance. My terms and payments were not supposed to be changed. The only thing that Selene said was changing was the payment address. My mortgage with XXXX XXXX XXXXXXXX was {$900.00}. At one point XXXX said the payment was {$750.00}. After a few months XXXX started sending my billing statements for {$8800.00} a month. I have called since this happened and nobody can explain why. XXXX will also not accept any payments lower than the {$8800.00}. I call XXXX a few times a month and nothing ever gets resolved. Now they are wanting to foreclose on my home. I pay my own homeowners insurance and taxes. At one point they said they were adding their own insurance. I never had an escrow account with XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: RI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report which I recently obtained, and I have noticed several negative items that I would like to dispute. Please find the details of the negative information below : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXX CARD Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

I believe that these negative items are inaccurate and have caused my credit score to be much lower than it should be. Therefore, I kindly request that you investigate these items and remove them from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, PayPal team, I received an email notification on XX/XX/XXXX, I can withdraw cash, but I can't linked with the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with explanation