vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/XXXX Account # XXXX DEPT OF EDUCATIONXXXX 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 2022-07-05 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX sold a collection to a company called credit collection service and it shows that this was paid! they continue to report on my report as a satisfied collection. Not only is this not mine but it's not reporting correctly! i asked credit collection service to validate this debt and I haven't heard anything from them as well as the credit bureaus to investigate this. All XXXX  did was illegally update the XXXX and so did XXXX. but they never actually validated the account. I have asked for 5 months now. this is causing great damage to my credit score and each bureau reports a different XXXX Furthermore, it's a violation of the fdcpa to continue to report an item that's disputed and credit coll continues to report this without having validated this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NC

Complaint narrative:
I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022, opened a XXXX Checking account in response to advertisement offering bonus when opening an account, depositing via XXXX a total of {$1000.00} within 30 days of account opening and registering for online banking within 30 days of account opening. After meeting all terms and conditions, it was said that bonus would be paid within 90 days ; however, as of the date of this complaint, no {$400.00} bonus has posted to 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 monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Student Loans continues to call me multiple times on a daily basis when I'm sleeping. I've already told them not to contact me. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-05 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: OH

Complaint narrative:
I noticed that XXXX  was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: DISCOVER BANK
State: OH

Complaint narrative:
I noticed that discover was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I took out a secured credit card for {$300.00} I paid on it until covid-19 then I had to make choices on buying food or gas I received a letter today XX/XX/XXXX the letter was supposed to be sent out XX/XX/XXXX when my account was sold I was supposed to be allowed up to 5 days to dispute them selling my account I just received the information today which is XX/XX/2022 I never received any information stating they were going to sell my account now is saying that I owe {$660.00} on a secure credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I received a letter from Chase bank informing me that the bank had paid a recurring charge of {$4.00} for a monthly XXXX Saturday paper delivery. At the time of the transaction there were not any funds available, but the bank paid the transaction. However, I was charged {$34.00} for the 'transaction ( s ) we paid '' or 850 % more than the original charge. How is this even legal? How is this morally right? It's hard enough to run a small business and yet banks like Chase make it harder. This isn't the only outrageous charge on the account because this 'paid transaction ' has set up a domino of other transactions being 'paid ' and as a result there are even more fees. Why is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/XXXX Purchased travel. Deposit paid using Chase, amount : XXXX. 
Travel was to take place XX/XX/XXXX. Disrupted due to Covid lockdowns. 
I agreed with the seller ( XXXX and XXXX XXXX ) to postpone to XX/XX/XXXX. 
XX/XX/XXXX Covid lockdowns, could not travel. I agreed to postpone to XX/XX/XXXX. 
Covid do not travel alert ( level 4 ) from State Department. 
I tried to get a refund form XXXX and XXXX was denied. 

XX/XX/XXXX I sent an email to Chase regarding a chargeback. This email was processed as a chargeback without allowing me to provide any details. I called Chase they could not allow me to speak with anyone regarding the complaint. Reason provided : back end. A few weeks later I received a letter stating my complaint was denied due to the charge being over 2 years old. I sent a letter explaining the situation and to reopen the case. Received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
i have written Navient letter on 2 times requesting to stop calling me and to contact me by mail. they have yet to do so. they have contacted me every day 2 times a day since the phone call in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I have a collection account that I paid on XX/XX/24 to Convergent Outsourcing, for account number XXXX. I paid the account in full, yet they still show the full balance as being owed on their own website. I try to call them to see when it will be fixed but every time I call, no matter what number or time of day I call, they always say they cant take my call. I can not speak to anyone there at all, no one ever answers my emails, calls, anything. Please help me.

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 2022-07-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-05 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: TX

Complaint narrative:
Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating 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 2022-07-05 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX, XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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 non-monetary relief
Consumer complaint received 2022-07-05 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX, XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Regarding Complaint # XXXX On XXXX, TD Auto Finance states that they are required to report to the Credit Bureaus under the FCRA.

This is NOT true. Creditors are not legally obligated to report anything at all. It's a completely voluntarily practice. TD Auto Finance has purposely made a false statement. Please provide me with the information that validates the statement that credit reporting is required. 

Since the loan was paid off in 2018, was a 1099 C filed, and if so, I would like proof. 

I need to know if TD Auto Finance followed the Gramm Leach Bililey Financial protection Act ( 15 USC 6801 ), this law clearly states the non affiliated third parties should not have my non public information, without my consent. I would like proof that I gave TD Auto Finance my consent to furnish my information.

I was never given the opportunity to opt out of my non public information being given to a non affiliated third party, under the Gramm Leach Bililey Financial Protection Act ( 15 USC 6802 ), I would like proof that I was given a chance to opt out. 

I would like proof of everything listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Earlier this year XXXX fraudulent accounts were opened in my name under XXXX and it's happening again. I have AGAIN received email about changes to my Paypal account but I DO NOT HAVE A PAYPAL ACCOUNT. I have sent several emails to find out why they keep sending me these emails on " changes to my paypal account '' that I do not have but I get no response. How many MORE fake accounts have been opened and how do I stop them from opening fake accounts in my name??? 

I have also entered complaints with the FTC and have obtained my credit reports and entered holds on each.

Company response to consumer: Closed with non-monetary relief