vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wife XXXX XXXX XXXX XXXX and I were asked to attend a timeshare presentation for XXXX XXXXXXXX XXXX XXXX Contract # XXXX some of the selling points where false but it did not come up till we tried to sell or exchange so since we where not able to use it due to covid and personal illness*** we stopped paying. 
After repeated attempts to work with XXXX we ended up hiring & paying a attorney almost {$14.00} to cancel the contract under deceptive practice clause. 
XXXX eventually canceled contract but they keep showing us late pay with Experian Secondly I never was refunded the difference on the cancel contract about {$60.00} Thank you for your attention on this matter 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 2022-10-28 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: AL

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 USC1681. 

XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written 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 non-monetary relief
Consumer complaint received 2022-10-28 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: AL

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 USC1681. 

XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written 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 non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
I opened an account with chime I filed my taxes and got my refund sent to chime my has been with chime for two months they ask for documents and I sent what they ask for so I can prove identity and proof of address I sent everything and from that date they ask I think it was around XX/XX/2022 from that date Ive been calling emails no response from the email and when you call they tell its another team that handles everything through email all I want to know is where is my money they not telling me nothing at till this day the phone representatives answering but they say they dont have access to not so we will send to our response team but when they send messages u get a automatic message say we will get back to but no response everytime this really hurt me bad please help me get my money Im tired of waiting on a specialist that dont respond. The photos Ive added are emails Ive sent and emails chime phone representatives sent to response team and all I get is automatic messages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-10-28 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: GA

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a dispute with Fith Third commercial banking. I noticed suspicious activity on my account. I had low funds and overdraft charges. I corrected that. But, I have no idea how much money is missing due to fraud. Then I noticed two unauthorized charges by XXXX pending {$5.00} which was cleared and pending {$2.00} which was posted on XX/XX/XXXX. 

So, I filed a dispute on XX/XX/XXXX since Friday is my day off work. The Case Number is XXXX. The representative says " there will be a credit of {$2.00} '' ... until " the case is investigated within 90 days. '' But, I am more concerned about my financial safety. 

Problem ( s ) : USPS has not been delivering my mail including bank statements and credit cards. XXXX account was recently hacked. I suspect someone has access to all that info. I called XXXX to file a complaint. The representatives there argued with me instead of actively listening, insulted my intelligence, and condescendingly acted like I don't know what I was talking about, then refused to assist after I could not provide the Fifth Third Bank XXXX previously connected to my XXXX XXXX transit account. I REMOVED ALL PAST CARD INFO FROM XXXX. I mentioned an old card number, however, it was the one ending in XXXX that I destroyed and closed out to have a new card reissued to me through the mail. The Representative says " XXXX XXXX was swiped to use the XXXX by accident. '' I do not like being lied to. I have been using my mother 's XXXX card and ordered XXXX XXXX to get to work on time and back home safely. 

As much as I would like {$2.00} refunded back to my account, I am closing out the Fifth Third checking XXXX. I changed to a new account. I also requested to issue a new card be sent to the Fifth Third XXXX bank location within 7-10 business days. Since I have not gotten my mail in 30+ days from USPS ... I must request all financial mail to be picked up at the bank in person and held at the post office so that I can pick it up in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten 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 2022-10-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX order placed XX/XX/22 in the amount of {$1300.00}. Money was taken from the account. Merchant missed 3 separate promised timelines to ship. I advised the merchant to cancel. Merchant wouldnt answer or return any of my phone calls. I called twice a day every day. I sent multiple messages to cancel. I filed a complaint with the XXXX XXXX XXXX Company advised at that time on XX/XX/22 that the charge would be refunded within 5 business days. The refund was never issued. On XX/XX/22, a package arrived from the company. It included items not ordered. I again continued to send messages and call for a return label. The company would not respond. This company has multiple complaints for the same situation online, with the XXXX, and they are currently being investigated by the XXXX XXXX Sheriffs Dept in XXXX, Texas. They operate under multiple company names including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX The bank denied my billing dispute and will not help me get my money back. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, I received a letter in the mail from Netspend. This letter contained a pre-paid Mastercard, with instructions for me to activate it and begin using it to " Get paid up to 2 days faster ''. I have never heard of this company and never requested a card -- this card was completely unsolicited. This is not an advertisement for a card, it is the card itself. From my understanding, if I were to activate it, I would either be charged a {$9.00} monthly fee OR be charged {$1.00} per purchase. 

I attempted to call their customer service line, but was unable to speak to a human without activating the card first. Since I do not want the card, I did not activate it.

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 2022-10-28 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: AL

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 USC1681. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written 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 2022-10-28 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: MD

Complaint narrative:
I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and XXXX, XXXX and Transunion and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed 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 2022-10-28 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: MD

Complaint narrative:
I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and Equifax, XXXX and XXXX and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MD

Complaint narrative:
I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and XXXX, Experian and XXXX and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed 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 2022-10-28 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 # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXL ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and TransUnion consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten 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 2022-10-28 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 # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: Synovus Bank
State: GA

Complaint narrative:
First Progress credit card has shared information with XXXX, XXXX, and XXXX of XXXX late payment dated XX/XX/2021. This one late payment has been reported incorrectly and has been a hinder in my life.

Company response to consumer: Closed with explanation