vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
CFPB + Equifax + XXXX XXXX, On my XX/XX/XXXX Equifax credit report it says I have a 90 day late pay on XX/XX/XXXX as well as a 60 day on XX/XX/XXXX from this account below : - XXXX XXXX XXXX  xxxxxxxxxxxx XXXX Attached to this complaint I have a letter from XXXX XXXX dated XX/XX/XXXX that clearly says they have requested the removal of delinquencies previously reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The XX/XX/XXXX and XX/XX/XXXX as of XX/XX/XXXX has yet to be removed. 

Attached to this complaint are : - my drivers license - my address - my W2 to show social security number - my complaint letter - letter from XXXX  XXXX - screen shot where it shows on my Equifax credit report Please have this handled, as the letter from XXXX XXXX says, immediately as this false information is damaging my credit and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$12000.00} from my XXXX XXXX bank of America had been fraudulently stolen via bank transfers. There were 3 transactions dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$5000.00}, {$5000.00} and {$2900.00} were transferred out. I filed complaint on XX/XX/XXXX to Bank of America, the prepaid card holder. Instead of investigating they replied that the case is closed and they did not find out anything wrong. They even revealed that my email address and other information has been changed. The said amount of was transferred to another bank. I have been calling them every day and surprisingly every time they have to reopen the case. I have provided them police report number, my id and my statement. It has been over a month and they have not even began investigating. 
I support family of 5 including 3 school going children. I have difficult time meeting end meets. I request you to please help me to expedite the case so I can meet my day to day need.

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 2022-08-29 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 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 explanation
Consumer complaint received 2022-08-29 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: MO

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out 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 2022-08-29 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: MO

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out 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 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC.
State: AL

Complaint narrative:
I contacted the company and told them i didnt want any information obtained or released. They now have obtained personal information including date of birth and debit card numbers. They also now are saying i owe a certain amount that i received an email saying it was paid. I need this debt removed because i was told it was paid, and i did not approve any release of records or personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: MO

Complaint narrative:
In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXXXXXX OAG child support Enforcement  # XXXX / # XXXX / # XXXXXXXX Missouri Div Child XXXX XXXXXXXX / # XXXX XXXX # XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Afternoon, I noticed on my credit report that there are unauthorized inquiries on my credit report. 
according to the FCRA legally these unverified & unauthorized items MUST be removed! Listed below are the dates and companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Improper use of my report and charged late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
On or about XX/XX/XXXX, I mailed two extended fraud alert packages to Equifax, on behalf of myself and my wife. ( We already have temporary fraud alerts on file with Equifax. ) I sent the application forms, two forms of acceptable identification ( for each of us ) and a copy of the filed police reports. Today, XX/XX/XXXX, I checked to see if the Extended Fraud Alert is on my account. Not there. The first representative I spoke with game me a different zip code than what is on the form I downloaded from the website. I asked to have the extended fraud alert place in effect via the phone call. He, and his supervisor said it can't be done. That, I have to resend the documents. 

I'm not a happy camper because my wife and I were victims of the Equifax breech in XXXX and now the company can't even make sure the mailing address on their Extended Alert Form is correct. By the way, the only difference is in the extended part of the zip code. 

The USPS hasn't returned the two separately mailed applications back to us which makes me believe that in spite of the wrong zip code on the zip extension, the packages were delivered. If yes, the company can not account for the two packages. That's a problem because who knows where our information is. Frankly, this company that controls so much information falls short on the consumer service end. Why must I have to resend the packages because of their mess up?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX has violated my rights. 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 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 2022-08-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX has violated my rights.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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PLANET HOME LENDING, LLC
State: RI

Complaint narrative:
The first letter I received from XXXX XXXX XXXX. on XX/XX/XXXX stated IMPORTANT LEGAL NOTICE - As of XX/XX/XXXX that the servicing of your loan will be transferred from XXXX XXXX XXXX XXXX. to Planet Home Lending LLC. It also referanced a loan number of XXXX. 

I then received 4 letters each dated - XX/XX/XXXX - XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX a mortgage loan statement with Amount Due ( in bold lettering ) Not Available. 

On XX/XX/XXXX a letter stating- In response to your request for assistance, please find Mortgage Assistance document and instruction form. Options May Be Available, as well as Information on Avoiding Foreclosure - Please note - I at no time requested anything from and/or made no contact with them at any time. 

- XX/XX/XXXX I received another Mortgage Loan Statement - Amount Due - Not Available - Principal Pending - Due Date XX/XX/XXXX - Amount $ XXXX Interest rate 10 %. 
- XX/XX/XXXX I received a letter that states the post maturity of the loan balance is {$30000.00} and to pay on or before XX/XX/XXXX, with... If payment is not received, by that date they will foreclose. 

- XX/XX/XXXX I again received the same letter as previous letters a Mortgage Loan Statement -Amount Due- Not Available XX/XX/XXXX I received a Welcome Letter - they would like to Welcome me to Planet Home Lending and let me know they are very pleased to be servicing my loan. Monthly payment -Due Date XX/XX/XXXX and Amount Due- {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XX/XX/2022 at XXXX XXXX XXXX a charge of {$26.00} was removed from my checking account by XXXX on the same day at XXXX XXXX  XXXX another transaction by XXXX in the amount of {$540.00} was removed leaving a negative balance. At XXXX XXXX XXXX I received a text message from my bank stating a total of {$700.00} was being taken out and if I authorized it. I replied " no '' and the bank told me they were going to block and refund my money. I then immediately cancelled my card. On Sunday XX/XX/2022 the transaction went from " pending '' to accepted. I them on Monday XX/XX/XXXX at XXXX XXXX XXXX and filed another dispute. I informed them of the text message and that I had cancelled my card. The representative asked me to email a copy of the message to them and wait for a response. At XXXX of the same day I received an email back stating my dispute was denied. I immediately called them back to inquire as to why. The representative put me through to his supervisor who explained that the dispute department never opened the email and that the result was final. When I threatened legal action she agreed to put in a rebuttal and that I would have to wait an unspecified amount of time to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
XX/XX/2022 Disputed {$470.00} did not give me information who it was or a phone number. I got a new card. 

XXXX 2022 got a letter put charge on my card. Again not providing any info. I did some investigating. Looks like an airline to XXXX by a company that's been closed. I do not have a pasport and I have never heard of this company. 

After Advant sent letter saying it was my charge, I called 10 times, wrote 3 emails, sent a fax and certified mail as what PROOF THEY HAVE have the charge is mine. They never write back and explain what proof they have. IT IS NOT MY CHARGE. I DONT KNOW ANYONE TO BUY A TICKET TO XXXX XXXX 

Please help. They are just not responding. I have a new card I have not activated and I paid the bill in full. They owe me XXXX because that charge is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: MO

Complaint narrative:
In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri Div Child 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DC

Complaint narrative:
Hi There. 
On XX/XX/XXXX Tuesday night I had just received my direct deposit from my job of {$3900.00}. I had only made one purchase via XXXX for XXXX at approximately XXXX XXXX, and that was it. My ending balance on my checking account that night was {$6200.00}. On Wednesday at approximately XXXX I woke up to numerous notifications that my money has been used from my account to purchase items from XXXX for the amount of {$2300.00}, and a {$5000.00} transfer had been made to recipient XXXX. This left my balance at XXXX. My savings account had been cleaned out with a XXXX balance, and my checking account had a balance of {$950.00}. While I was on the phone with chime customer service another charge was attempted to be made in XXXX XXXX in XXXX XXXX  in the amount of {$200.00}. This charge was texted to me for verification and was declined. Another charge was placed in the amount of {$150.00} for a website called XXXX, which I believe is a XXXX XXXX transaction. This transaction was also made on the account while I was on the phone with Chime customer care for over an hour and half, and they neglected to turn off my card when I initially called. This charge would have not been able to go through if the agent was proactive and turned the card off like I requested in the beginning of the call. I also received a notification that my phone number had been changed on my account to ( XXXX ) XXXX which is a XXXX voice number that has never been associated with me. I also received an email stating that my account had been accessed on a new device approximately around XXXX XXXX from a XXXX device in XXXX XXXX. My account was also accessed more than three times from a device in XXXX XXXX, yet again I'm confused why this was not flagged. My pin was also changed in my account, which resulted in me being locked out of my account. I have made XXXX disputes 1. ) XXXX, 2. ) XXXX 3. ) {$150.00}. with chime and the charge of the amount of {$2300.00} was reversed by the merchant but the other charges were determined to be of no error. The dispute ID 's numbers are as follows- XXXX and XXXX. I am beyond frustrated that Chime was able to make a quick determination and will not share how they came to this conclusion, when I have been a victim of crime due to their systematic negligence. I have also realized that a credit builder account was signed up for, which I did not want nor do I need. 

- Please note I have made formal complaints to the Internet Crime Center, and the XXXX XXXX XXXX Please find additional documents attached to this email that will support the following above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Synovus Bank
State: IN

Complaint narrative:
First progress on 2 different occasions have posted that my balance has decreased meaning it is paid but both times have resulted in my credit score going down. XX/XX/XXXX shows negative XXXX points and that my balance decreased by XXXX. I paid that on time ahead of time and they can't tell me why my score went down. I checked XXXX today and noticed my score went down XXXX more points they told me it was for a XXXX dollar payment which I paid XXXX to take care of with another charge ahead of time. They don't have an answer why on that either. They don't take emails and want me to mail in my bank statements to show that I paid on time even though in their system they only have me with XXXX late payment ever. I'm building my credit score and the only negative impacts I've been having is from firat progress after making an on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AR Resources, Inc.
State: MD

Complaint narrative:
I attended XXXX university and they did not allow me to use my financial aid when I went. I was supposed to get a scholarship and do not think I got that. I also did not have an option for a payment plan. Instead, my bill was sent to collections and I cant get my transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Text received for authorized transactions on XX/XX/22. I responded " N ''. I called USAA. I saw the fraudulent activity pending. It was my XXXX account for my XXXX XXXX XXXX granddaughter. We did not set up a profile or authorize check cashing or money transfers. Again I said these are not hers and we do not know the recipients. USAA allowed it to process. Then proceeded to lock all my accounts and say there wasn't any fraudulent activity. USAA refuses to provide documentation on their findings. I had to pay XXXX to unfreeze my accounts. My entire banking life was with USAA. I do not accept their insinuations. My entire family is either federal or state employed. We are not criminals. There is no transparency and a huge lack of professionalism. This is a bank for Veterans. I would like my money and my children 's money returned. I just wonder how many veterans and their families have fallen victim to USAA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation