vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-10-01 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: NC

Complaint narrative:
Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


So how, what, when and where did the employee consumer reporting agencies such as : TransUnion, XXXX and XXXX allow for alleged debt collectors to report such private consumer transactions with a court subpoena and without written notice by the consumer granting those employees permission to do so? And pursuant to 15 U.S.C 6802 when did the consumer reporting agency notify the consumer regarding the opportunity to opt out of having any personal information to be sold and reported in reference to private consumer transactions? Wheres the wet ink signature on the original security instrument with XXXX XXXXU.S. Department of Education which includes F-D-I-C Holder in Due Course Notices since XXXX XXXX/U.S. Department of Education is acting a bank who loaned something of value? What did XXXX XXXXU.S. Department of Education loan something of value especially when digits arent value and federal reserve notes which are promise to pay notes have intrinsic value which returns to XXXX? Who purchased and sold the security instruments?

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 2022-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22, I became aware of three fraudulent withdrawals from my checking account totaling {$11000.00}. The withdrawals took place on XX/XX/22 and XX/XX/22. I immediately froze my account ( I was in XXXX for medical treatment ) and filed an unauthorized ACH Return Form as directed by the BofA representative ( XXXX ). After hours of unsuccessful attempts by phone to resolve the problem ( previous number, and XXXX, XXXX, and XXXX ( XXXX XXXX who never returned several voice mail requests ) ), I halted my medical treatment and flew back to the US with the idea that I needed to address this problem with someone " in person ''. Once in the US, I was not referred to anyone, being told that there was no one at any branch who could help me and was given one of the above numbers and told to call and play the same " waste of time '' game. I am of the opinion that Bank of America has instituted a " policy '' which makes it all but impossible to satisfactorily resolve the loss of my money.

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 2022-10-01 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: TX

Complaint narrative:
On XX/XX/2022 I started dispute processes with XXXX, XXXX, and Equifax to dispute the 16 open XXXX XXXX accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with XXXX XXXX who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called XXXX XXXX in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. XXXX XXXX has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to XXXX  out the balances with XXXX XXXX and closed the accounts. Equifax has failed to correct my credit report because XXXX XXXX is reporting to them that I still have a balance with them and that the account is still open, this is false, although my XXXX XXXX website dashboard shows loan balance as {$0.00}, XXXX XXXX is still reporting inaccurate information as if my student loans are still held by them and their not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Checking accounts have been opened without my authorization on two separate occasions over a 2 week period at Bank of America. 

Bank of America states that they can lock my account and prevent new accounts from being opened fraudulently, but can flag the account. This has happened 2 times and the process to report the fraud and close the fraudulent account takes 3+ hours with endless phone prompts and wait times.

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 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
This complaint is regarding Fidelity Rewards Visa Signature Credit Card 's cash advance practice. 

On XX/XX/2022, I conducted a cash advance transaction for {$79.00}. 

The statement issued on XX/XX/2022 had a balance of {$1900.00}. The payment due date was XX/XX/XXXX. 

On XX/XX/XXXX, I logged onto my online account and saw a balance of {$2000.00}. I manually transferred and paid that amount in full. After the transfer, my online account showed a balance of {$0.00}. 

However, on XX/XX/XXXX, I was charged an interest fee related to the XX/XX/XXXX cash advance payment again for " carrying a cash advance balance ''. 

The bank charges interest on cash advance daily, but they don't post it onto the account daily. So even though I paid my account in full on XX/XX/XXXX, the unposted cash advance fee was still outstanding, despite my payment was {$52.00} more than the XXXX statement balance. 

Because they don't post their daily fee every day and because they don't tell you there is a separate cash advance balance even on your online account, unsuspecting consumers who dutifully pay monthly statements in full will keep incurring an interest fee every month until you call and ask them to stop. 

And because they hide their daily interest online, there is no way to pay that amount even when you try to. After I made my payment on XX/XX/XXXX, I was shown a {$0.00} balance. They make it impossible for you to know and to pay for the cash advance balance completely unless you call and tell them specifically to stop. 

Even though they said they would reverse the charge this time, this practice will keep going if there is no government intervention. It was not the first time it happened to me. 

This practice is deceptive and intentional. It needs to be stopped.

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 2022-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card company charged me an annual fee and I was not alerted to it and it caused my account to go 30 days late. The card had a XXXX balance on it and I had not been using it. They charged a late fee, and interest charges for a {$19.00} annual fee. The fees have been removed but my credit score dropped XXXX points because they still are showing me as 30 days late. I never even used the card and Im asking for them to please remove the delinquent marking in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/22 I filed a dispute with chime for two unauthorized charges on my account. One was {$280.00} and the other was {$20.00}. My dispute was closed as approved, my money was returned however, it was taken back by chime only ten minutes later. I have tried for weeks to get them to understand the situation but they prolong it and leave me waiting. Ive requested their fraud department however, they informed me that they in fact do not have one. Im left with no resolution and my money stolen by chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance. 

The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet. 

I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ). 

All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.

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 2022-10-01 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: NC

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times and I demand the accounts listed below to be removed because ; According to 15 USC 1681, I have the right to privacy and i didn't give Equifax permission to furnish these accounts : XXXX ACCT # XXXX, ACCT # XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX/W ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXXXXX**** XXXX ACCT # XXXX XXXX XXXX XXXX Acct # XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I gave Transunion a direct dispute on XXXX XXXX. Submitted on XX/XX/XXXX. File number XXXX. Completed on XX/XX/XXXX. Creditor info is XXXX card services XXXX XXXX XXXX. XXXX De. XXXX. XXXX. Balance says {$690.00}. Credit limit is {$500.00}. XXXX Balance cant be more than the credit limit violation # 1. XXXX says current status is in collections its not violation # 2. Opened on XX/XX/XXXX ( 7 years ago ) should be removed from my Transunion credit report its still there violation # 3. As I said I disputed this info on my Transunion credit report but they sided with XXXX. According to 15 US Code sub chapter III -credit reporting agencies Transunion . Code 1681N - its supposed to be 100 % accurate if its not then its a violation and I should be awarded a check from Transunion for 3 violations for {$3000.00} for ruining my credit with false info.

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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: UT

Complaint narrative:
Deposited a money order on XX/XX/XXXX at ATM at a branch. Was not given {$220.00} available funds immediately as US Bank account rules state. All funds appeared to be put on hold. 

NO COMMUNICATION ever from US Bank -- there must be some rules about bank holding funds and at least communicating about it. I went to branch on XX/XX/XXXX and spoke with teller. She stated that 7-day hold, funds would be available first thing on XX/XX/XXXX. On XX/XX/XXXX no funds available. XX/XX/XXXX no funds available. XX/XX/XXXX called US Bank XXXX line -- very unhelpful and stated that US Bank DOES NOT COMMUNICATE when holding customer funds- phone agent could do nothing and hold investigations " usually complete '' in 7 business days ( big difference ), but could take longer. Funds were finally available on XXXX. 

There must be rules violated here about a bank not accepting their own deposit rules ( available immediate funds ) and then not even communicating with a customer about holding their funds. Please let me know what other regulatory agencies need to be aware of this so this practice stops.

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 2022-10-01 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: IN

Complaint narrative:
I need to dispute these hard inquiries from my TransUnion credit report. I am a victim of identity theft and fraud. These inquiries are not mine. Please remove them from my TransUnion credit report as these are fraudulent inquiries. 

XXXX XX/XX/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 explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
An account was fraudulently open in my name at Synovus Bank. I was made aware after the account was overdraft. I went to the ban on several occasion, Met with different bank managers who guarantee me that it would have been address and since XX/XX/2022. To date I've been getting collection letter and reporting to Synovus letting you know the situation the isn't resolved.. I open a complaint here and was told it was address and my credit should not be impacted. Well that was a lie as my credit got impacted for collection in the middle of me doing a housing transaction. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 They claim it was address but it's not. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Hello, my name is XXXX XXXX, I have been having problems with this collection agency for some time now I have been contacted by the debt collection agency by the name of " XXXX XXXX XXXX XXXX '' located in NC since the debt went into collection, they were charging me a bigger amount than the original creditor. The debt that they are claiming to be mines is not valid and it doesn't belong to me and is invalid. On XX/XX/XXXX I sent out a debt validation letter to the collection 's agency stating that provide me with valid information showing that the debt was mines, I mailed it to the company by certified mail to make sure the company received the letter and they never reached back out to me to show proof that the debt was mine and that the debt is valid. I have proof of the letter and the date the letter was sent and received by the company I gave them a 30-day validation for the debt, and I still haven't heard anything back from the collection agency, so the debt is not valid, and it's not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: IN

Complaint narrative:
I need to dispute these hard inquiries from my TransUnion credit report. I am a victim of identity theft and fraud. These inquiries are not mine. Please remove them from my TransUnion credit report as these are fraudulent inquiries. 

XXXX XX/XX/20XXXX 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 explanation
Consumer complaint received 2022-10-01 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: IN

Complaint narrative:
I need to dispute these hard inquiries from my TransUnion credit report. I am a victim of identity theft and fraud. These inquiries are not mine. Please remove them from my TransUnion credit report as these are fraudulent inquiries. 

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 explanation