vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: Conn's, Inc.
State: NC

Complaint narrative:
I HAVE BEEN TRYING FOR ALMOST 2 YEARS TO GET SOMEONE TO DO THE FOLLOWING : 1. EXPLAIN TO ME WHY THIS DEBT WAS PLACED ON MY CREDIT REPORT 2. WHY DO THEY KEEPUPDATING IT LIKE IS FRESH INFO, NOTICE THE DATE OF XX/XX/2022 XXXX. THE PHONE NUMBER THEY HAVE LISTED, NOONE ANSWERS NOR DO THEY CALL YU BACK ESPECIALLY On SATURDAY MRNING 4. I HAVE FILED THIS TWICE IN TW YEARS CAN'T EVEN GET ANYNE T LISTEN To THIS BEING A FRAUD SITUATIN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I received an email from chime banking saying there was an issue with my account. And that account I had my tax refund with a remaining balance of {$19000.00} roughly. Within that email I was told to send proof of address, proof of ID which I sent the very next day. A few weeks go by I was told that they needed secondary identification which was my Social Security card and a selfie of me holding the ID. After I sent all of the information they asked for I received an email today which is XX/XX/XXXX saying my account was closed and I am not entitled to a refund. My tax refund was stolen from me I am unable to pay my rent I have a XXXX-year-old son and I have needs that need to be met. I was counting on that money and it was stolen from me by chime. I received my income tax and wanted to be responsible so I left the money on the account but that was not a good idea. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-08-21 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
XXXX has blocked my access on XXXX XXXX  to make XXXX XXXX and this was done, when I have $ XXXX funds in the account

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 2022-08-21 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
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 non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a Initial claims period claim for money spent in connection with the Equifax Data Breach Settlement.I complete the request an submit proof of damages.The misleading information states the information is incomplete which I know to be untrue. The facts don't support the settlement Administrator comment and need to be addressed as fraudulent .... Claim Number : XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
Received letter dated XX/XX/XXXX from HRRG stating " Our client has authorized us to offer you this settlement. '' Account balance {$1700.00}. Don't know this card, never applied. Been totally disabled since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights are being violated.

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

15 U.S.C 1681 Section 604 A Section 2 a consumer reporting agency can not furnish a account without my written instruction SEE 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 non-monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
On XX/XX/2022 I made an extra payment of {$1000.00} to Kia Finance. 
The next day I called to have it applied to the principle ( according to their instructions ) On XX/XX/2022 I received the money back from Kia Finance. 
On XX/XX/2022 I called to find out why, she did not know, but offered to cancel the check and apply the funds to the principle, which I gladly accepted. 
I called numerous times to find out why I was not seeing any progress. 
Eventually I insisted on speaking to a supervisor. This was not easy as the person on the phone insisted that she could take care of everything. Finally I got through to a supervisor. He told me that it was my fault because I requested the money back ( I did not ). He was quite happy if I would just go and find a new lender. 
I am still trying to find out if the check they sent me has been cancelled and they are proceeding in applying it to my principle, or if I have to deposit the check and resend the 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 explanation
Consumer complaint received 2022-08-21 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: WA

Complaint narrative:
This matter relates to a JOINT CHECKING ACCOUNT held by me and spouse with Key Bank National Assoc. 
The events are as follows : 1. Due to a theft ( c. late XXXX XXXX ) of purse, a couple of checks ( contained in the purse ) were lost. However, this was not detected until a fraud was committed using the stolen checks ( see attached - note date and amounts ) to withdraw funds c. late XX/XX/XXXX. 
2. As soon as this was detected XXXX early XX/XX/XXXX, my spouse notified the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX to start the process. For a long time, we were NOT notified of any progress/status update by either the above branch or ANY action re our attempt to recover the funds. 
3. c. late May, I was approached by XXXX XXXX XXXX XXXX XXXX XXXX Key Bank University XXXX XXXX - details below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as he had learnt internally about ( lack of any action ) re my case and offered to help. He initiated a formal Fraud Investigation and thereafter the matter was escalated upto the XXXX Offices, as follows - * Fraud case number is XXXX ; phone number to Key Bank XXXX XXXX XXXX. 

4. After a further period of wait, I was contacted by XXXX ( XXXX? ) via phone from Key Bank XXXX XXXX in XXXX, for collection of information. After another period of wait, I was told verbally over the phone that Key Bank was DENYING my claim because of DELAY in filing the fraud paperwork. I have recorded VM message of contact by Key Bank but no other record of conversations with representative of the XXXX XXXX ( although I was told that a transcript is kept ). 
I have since repeatedly asked for this formal determination via email or writing that I am yet to see till today. Note that Key Bank does NOT contest the fact that fraud was actually committed but is nonetheless denying the claim due to the above procedural issue that we were NEVER informed about when 1st reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights are being violated.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights are being violated.

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

15 U.S.C 1681 Section 604 A Section 2 a consumer reporting agency can not furnish a account without my written instruction SEE 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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DataMax Corporation
State: NC

Complaint narrative:
I have had and currently have Medicaid so therefore Medicaid should have paid this bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Not mine amount owed always changes. why what is the reason

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 2022-08-21 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: MO

Complaint narrative:
I called Transunion to dispute an auto account with XXXX XXXX XXXX for several known inaccuracies and it was " verified ''. However, the information doesn't match the original creditor information as they are reporting it to Transunion. The account was in litigation due to errors and it is still reporting. Transunion refuses to remove this account but I do not understand why. They are currently in violation of 15 USC 1681 s-2 for reporting information with knowledge of 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 2022-08-21 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I decided to check my Equifax credit report after not checking it for a while and I noticed in my inquiry section 10 inquires out of 12 that I do not recognize and did not authorize dating back to XXXX never really apply for credit there for I was alarmed when I discovered this. I immediately printed out my inquires and contacted each creditor and explained that I did not apply for credit with them and if there was anything that they could do they told me to contact the credit bureaus I contacted the credit bureaus, and explained these inaccuracies reporting on my report and asked that they be removed immediately and they directed me back to the creditors I explained to the bureaus that I had previously they then instructed me to file a fraud report. here is a list of the non-authorized inquires on my report. 
1 : XXXX XXXX BANK XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX 5 : XXXX XX/XX/XXXX 6 : XXXX XXXXXXXX XXXX / XX/XX/XXXX 7 : XXXX XXXX XXXX XXXXXXXX XXXX 8 : XXXX OF XXXX XXXX / XXXX XXXX 9 XXXX XXXXXXXX XXXX XXXXXXXX 10 : XXXX XXXX XXXX such inquiries being reported on my credit report is very damaging and can and will prevent me from acquiring new credit if need be. I need these inaccuracies removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I'm just now learning how to check my credit score and I have been working on it now and I have charges from places and things that I've never had before in my life. I was told by XXXX before they were bought out that I had a phone account set up in another state at that time and I had them cut it off and the told me to report it but I never heard anything back and now there is more. My phone number is XXXX please contact me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-08-21 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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