vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: TN

Complaint narrative:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted 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 non-monetary relief
Consumer complaint received 2022-08-28 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2022-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complaint is about Experian and XXXX XXXX XXXX and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from XXXX on my credit report with Experian that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, Experian responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that Experian is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on Experian 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?

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 2022-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
There may be nothing that is possible to do, but I'm submitting this complaint on behalf of myself and on behalf of anyone else impacted but voiceless : I had a checking account and a savings account with Bank of America. In 2021, during the height of the COVID pandemic, I needed to transfer funds from my savings to my checking more often that is apparently regarded as appropriate for the powers-that-be at Bank of America as my savings account was changed into a checking account -- which was then subject to the monthly maintenance fee. By the end of 2021, in other words, I now had two checking accounts with Bank of America -- both subject to the monthly maintenance fee -- on top of the stress life heaps on anyone during an international pandemic. I want the money they took back. 

There seems to be something distinctly inhumane in this business practice -- and I'm hopeful something can be done -- but more specifically I'm wondering if there was any kind of moratorium on these kinds of " business as usual '' practices during the vulnerabilities of the pandemic that might have precluded an entity from taking punitive measures -- such as penalizing an account holder for transferring money between savings and checking accounts, even if that is Bank of America 's " normal '' policy. 

Please advise.

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 2022-08-28 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: PR

Complaint narrative:
I go to a dealer for buy q car and they make a lot of hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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:
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 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-28 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:
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 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX  XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
Using Zelle through XXXX account, {$300.00} was transferred and goods were not received. Person indicated they would email electronic tickets once I sent screenshot. I sent screenshot and they said wait. The time passed and I never received email or transfer. While the transaction was still pending I tried to stop payment and the bank could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: PR

Complaint narrative:
I go to a dealer for buy q car and they make a lot of hard inquires 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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have two credit cards with Bank of America and have never been late since they were opened. On about XX/XX/2022, Bank of America closed one of the credit cards with a positive balance of about {$430.00} without my knowledge. Bank of America reduced the balance to {$0.00} without refunding the credit balance to me. They also made the credit cards online information inaccessible for me to check past charges. The card was closed immediately XXXX XXXX and XXXX sent false and inaccurate collection balance information to XXXX and other credit bureaus. Bank of America did this without regard to the potential impact on my credit rating. When I went to the XXXX branch and complained to a manager about it she told me that the refund was mailed to my home few months ago. When I told her that I did not receive it, she promised to deposit it in my checking account with Bank of America. I have not received the credit up till today.

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 2022-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Dear PayPal, I m here because and i wish get help for anybody who s can help me please. 

On XX/XX/2022, I contacted PayPal because for days I could not access my account. After a long conversation, the agent was able to locate the account and realized that it had been stolen. 

Even all the money had been withdrawn to a bank account that is not mine with terminal XXXX. 

In that same order, the PayPal Analyst opened a case with the following information : This account was stolen from unauthorized access since XX/XX/2022. The client 's account was hacked. the email address was added ( XXXX XXXX XXXX XXXX ) does not belong to the customer. On my end i tracked many different device was used ( os device and phone devices ) do not correspond to the client 's history, I saw multiple connection from VPN and I have tracked the IP and it does not correspond to the client 's history. Withdrawals made to the terminal bank account XXXX XXXX XXXX XXXX were not authorized by the client and this account does not belong to the client. All transaction has been reported with the case CASE XXXX and all transaction has been reported in the case too. CASE XXXX PLEASE REVIEW ALL TRANSACTION HAS BEEN UNAUTORIZED. XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$100.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2900.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1800.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1200.00} XX/XX/XXXX XXXX XXXX XXXX Bank - {$1200.00} XX/XX/XXXX BANK_ACCOUNT Transfer to Bank - {$1400.00} Get help to customer get a refund. 

So, all information was describe on the case, he told me many time VPN was used for login and other information was added too. 

After this problem my account was limited Reference ID : XXXX, I never had any dispute of my payment received, I never had any problem before, I always use PayPal in agree with all policy. 

XXXX Limitation ID : XXXX Case of unauthorized access and Transaction : CASE XXXX and Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-08-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-08-28 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My complaint is about XXXX and Bridgecrest Acceptance Corporation and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from Bridgecrest on my credit report with XXXX that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, XXXX responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that XXXX is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on XXXX 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?

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 2022-08-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act AXXXX  # 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 2022-08-28 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: AZ

Complaint narrative:
Dear Transunion You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXXXXXX 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 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 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 2022-08-28 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: GA

Complaint narrative:
" 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 Commission and I also have enclosed copies of the Federal Trade Commissions 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 2022-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX XXXX XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation