vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: MI

Complaint narrative:
I disputed an account with XXXX XXXX XXXXXXXX XXXX with experian the account came back as verified and I havent received any information or details of the investigation they conducted who they spoke with and what exactly was verified nor was I interviewed at any point during this investigation .how was a proper investigation completed I have a right to privacy if my personal information and this reporting is a violation of that right.

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 2023-03-30 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: MI

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. 

Account name : 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 1681c. ( 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 convictions 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 relating to a consumer to any 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 2023-03-30 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: MI

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. 

Account name : 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 1681c. ( 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 convictions 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 relating to a consumer to any 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 2023-03-31 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: TX

Complaint narrative:
I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
I am distressed that you have included the information provided in my credit report. You have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Everything in your power needs to be done to make sure this is true. Meaning every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts you post on a credit file. If not, anyone paying for your credit reporting services could fax, mail, or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. Please remove these accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: IL

Complaint narrative:
There is information, and/or means of identification on my consumer report that is knowingly being transferred, and used without lawful authority, with the intent to commit an unlawful activity such as defamation, that i did not authorize, nor was i given FULL DISCLOSURE by the companies mentioned in the identity report. 

SEE ATTACHMENTS!!!

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 2023-03-30 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: CA

Complaint narrative:
On XX/XX/23 my Hyperwallet was hacked into. I wasn't able to check email until XXXX but I got an email at XXXX that there was a new login and at XXXX I got two emails, one was a transfer request confirmation for {$6200.00} and the second email was also at XXXX and was to Track my payment " Your {$6200.00} USD payment has been processed and is on its way to your debit card ( XXXX '' This is NOT my debit card number. I did not authorize anyone to access my account. 

I saw the emails when i logged into my email account at XXXX and immediately called XXXX ( the company that i am an independent XXXX with and that pays my monthly commission via XXXX/Hyperwallet XXXX XXXX support told me to contact Hyperwallet and the only way to do it is via chat/email. I emailed Hyperwallet and started an email chain that went on for a couple of days w/ XXXX from customer support After looking into the issue, she said they tried to get the money back but couldn't and that there was nothing else they could do to get my SIX THOUSAND + dollars back. 
They said someone got into my account and changed the payment to their own debit card and took all of my money out. I have since contacted PayPal ( owns Hyperwallet ) and they said there is nothing they can do. I also reported this to my local police dept ( XXXX XXXX PD ), the FBI 's IC3 dept, and need to contact the XXXX XXXX XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I opened an account for my business own by me, me, online with M & T bank, as the bank was having a promotion. At one point I believed my checks were loss so I called to put a hold on the account. As instructed by the representative, I will need to personal go into the bank with ID to obtain funds. Which I did, however I was rudely greeted by XXXX XXXX whom introduced herself as the manage later to find out she isn't. I was asked to basically open a new account with all documents that was already provide and which I didn't have on my person.in addition I will need to go to the court to get reissued because so have been misplaced. I have my ID, that matches the account so what is really the issue? first to mention I had a sweatsuit on because I feel comfortable wearing but I was being profiled. she begin to question where I get my funds from and I answer freely but she asked mutilple times as if something wasn't correct. At this point, I'm unable to access my account, pay employees, pay rent due to this issue. I'm at a loss and I need one access to my account and compensation for my loss. oh lastly she, XXXX at the XXXX XXXX location and the real manager XXXX whom refused to service me, offered to send a new card to my home address but I WONT BE ABLE TO ACCESS MY FUNDS. MAKE THIS MAKE SENSE

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 2023-03-30 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and 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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I open an account on Robinhood for a brokerage and spending account shortly there after Ive bought and sold XXXX  stocks and earned about {$1100.00} ; immediately upon trying to sell these funds after they had settled into my spend account. My account was locked and has been ever since I have contacted Robinhood many times many different ways Ive sent them my Social Security card, my drivers license and many other identifying documents, as well as bank statements, showing unequivocally my ownership of that account and validity of my identification. I even have the stocks that Ive sold listed on my tax return, the proceeds from the stocks have been locked in the spending account as well as the brokerage account since XX/XX/2022. After all this time the accounts have been marked for closure by Robinhood and the funds have not been transferred to me because Robin Hood has stated they can not tell the validity of the funds, even though you can explicitly see the transactions from which these funds were procured from through there own stock market/brokerage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Conn's, Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I was browsing around looking for furniture. I came across Conn 's Home Plus website and was greeted with a popup promotion stating I could be approved for monthly payments after putting in my information and if approved and can make my purchase within 60 minutes, I will receive a FREE delivery. I hurried and filled out the form and was approved for a credit limit of {$1600.00} to use in-store. After choosing the item I wanted, I was taken to the checkout page and was given the option of how I wanted to pay one of the options was Conn 's Home Plus Financing that I was approved for. Before signing up, I also added the lease-to-own option with NO credit check. Once I got to the checkout and clicked on Conn 's Home Plus Financing option, I was taken to another site called XXXX XXXX XXXX and was asked to put in my social security number, date of birth, and my cell phone number which I couldn't understand. So I stopped the application and called conn 's support to find out what was going on and as I was explaining to the man what had happened, he ask for the last four of my social security number and date of birth and explained that I had been denied and I will receive a letter in the mail, I asked how could that be because when I was signing up, it said no credit check. The man said well it was one done on me and I told him without my consent and false advertisement. He said sir you will receive a letter in the mail, I asked how could Conn 's run a credit check on me without my permission. The man than hanged up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I spoke to city of XXXX XXXX and they stated to me that they do not report bankruptcies to credit bureau 's and they didn't know why that would be on my credit and they also gave me some advice to where to look this information update so you're supposed to remove the public information. I was given the attached information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I received a garnishment letter XX/XX/XXXX. I contacted Cooling and winter because it stated it was for a XXXX XXXX card. I had agreed on an amount back in 2022 and made 4 payments to close the debt. Now they telling me I had 2 XXXX  XXXX debts with their office. And no one told me that last year when I agreed to pay a reduced amount that I had 2 accounts. The account they had me pay did not have any judgements or ever been to court. They misrepresented what I was paying, when I finished paying I thought I was done. I feel scammed because they had me pay the wrong debt, knowing that the other debt had a judgement. 
I tried to reason with them today but no, pay the XXXX dollars or the garnishment will proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: OH

Complaint narrative:
This is my second attempt to fix inaccuricies on my personal credit report, the first time I initially did this was on XXXXXXXX XXXX XXXX, in which the CFPB has record of my complaints filed. In return of the CFPB 'S investigation the credit burea 's XXXX and XXXX both failed to correct the inaccuracies stating they could see what I was talking about but didnt believe I was actually the one attempting to get these inacuracies corrected. In which when they received my letters of complaints i also submitted my signature in blue ink on each letter in which i was stating the issues and inaccuracies. its is still listing several accounts and items i have deemed inaccurate supported by XXXX searcg aswell as identity theft report stating the various things in initial letter as well as second attemp letters provided with the report as of XXXX. These items supported by consumer law do not belong on my report as i've also provided current and updated documentation to support such complaints and claims. 

ALSO THE TITLES OF THE LETTERS ARE ONLY HOW I SAVED THEM IN MY LAPTOP SO I KNOW WHAT DOCUMENT IS WHAT

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 2023-03-31 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: NV

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some inaccurate personal information left that need to be removed. This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any inaccurate personal information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INFORMATION deleted as soon as possible : 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 explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IN

Complaint narrative:
I ordered a phone from XXXX XXXX it was suppose to be next day delivery I never received it so I called the merchant and they told me they don't operate on weekends so they said that it would take 4 days longer so they canceled it because they couldn't refund just the overnight fee i have been constantly trying to resolve the situation the merchant says they have sent it back to Chime i have called multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NY

Complaint narrative:
AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-03-31 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: NY

Complaint narrative:
AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE 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 fin fc XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has started random credit checks on open accounts again, similar to the practice they did in 2008. Based on the information they receive, regardless of payment history, they lower your credit limit to just above your current balance or close your account. This practice significantly changes your available credit to debt ratio which impacts your credit score greatly.

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 2023-03-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX

Company response to consumer: Closed with explanation