vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
CFPB 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 XXXX : ACCOUNT # XXXX has violated my rights. 

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 : ACCOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-07 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: NC

Complaint narrative:
CFPB 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 XXXX XXXX ACCOUNT # XXXX has violated my rights. 

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 : ACCOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX XXXX Account XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 # 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 2022-12-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX , Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 # 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 2022-12-07 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( s ) provides rights only to the credit bureaus which XXXX, XXXX, Equifax, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MO

Complaint narrative:
On XX/XX/22, I received a general credit card from Bank of America in my deceased mother 's name. I called Bank of America to report identity theft. The credit card was closed immediately as well as my mother 's name was flagged as deceased to avoid potential for future reoccurrences.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022, I woke up to a withdrawal amount of roughly XXXX dollars from my checking account, around XXXX. It was a transaction made through XXXX and I never really use XXXX  unless to send money to my wife and kids. I check to see who the money went too and its an email to somebody named XXXX from XXXX. An unknown email to me and my family. My bank, Bank of America, is trying to say I authorized the transaction because a code had to be placed but the supposed code came in at XXXX oclock in the afternoon after the 6 transactions have been made which were made before XXXX after XXXX since thats when I went to sleep the previous night XX/XX/XXXX. Coincidentally, I was at the bank at XXXX oclock that day & told them how were they able to make 6 transactions without my authorization and thats when they mentioned a code. I told them I didnt receive a code. I get home & at XXXX oclock a magical code appeared for the first time. Its at the very top because Ive never gotten a code before. Its a security issue from their behalf and theyre trying to use every excuse to not give me my money back.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was sent and charged for an item of women 's clothing that I never ordered from an online company called XXXX. The weird part is, I was shipped the item, but again- I DID NOT order it! I immediately opened a dispute claim with my bank, Chase, and tried to contact the company XXXX on multiple occasions to see how to return the item so that I can get my money back. My bank initially credited me back the {$43.00} charge and cancelled that debit card, but as of yesterday, they have once again charged me. When I called Chase Bank, they stated that dispute was overturned and there is nothing more that they can do to help me and that I would have to take it up with XXXX. I tried to explain to them that I have tried on multiple occasions but have had no luck. There is only an email address, not a customer service phone number that you can talk to a live person or leave a voicemail at the company XXXX. I am a XXXX XXXX  student and this money was stolen from my high school savings account. I am saving to pay for a car and college and am very frustrated and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 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 2022-12-07 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: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I applied for a loan to finance a vehicle from the beginning I explained I was working getting paid with a 1099 and they said it was ok and still run my credit score to come back around and say they needed a pay stubs or yearly tax showing my income when I had informed I hadn't been with the company for more than a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
This is regarding a PayPal account. PayPal customer service has been nearly impossible to reach, and when they responded they did not help but instead tried to connect me ( again ) to a chatbot. I would like to close my account because at this point I am unable to access it, and they are effectively holding my account and banking information without my permission. 

I am unable to log in to my account because it currently has a security feature that requires a 6-digit code from an Authentication app ( XXXX XXXX XXXX. That app was on my old XXXX, which is broken and discarded. I have a new XXXX with the same phone number but the XXXX app data can not be transferred to the new phone. 

Without the XXXX code, I can not access my PayPal account XXXX I contacted PayPal phone support to request that XXXX and the Authentication security be temporarily removed from my account so that I can set it up on my new phone. PayPal 's phone recording says they can not help by phone and can send a text message link to a PayPal XXXX assistant. I sent a message via the chatbot, and 6 hours later received 5 responses from PayPal : Every response said to log in to my PayPal account Message Center to retrieve the message, which I can not do because I'm locked out of the account. The customer service via chatbot has not responded to any more messages. I then contacted PayPal via XXXX XXXX : After 8 hours, a customer service agent responded and asked for my username, which I had already provided. I provided the username and 12 hours later, the PayPal rep via XXXX told me they could not help and to contact PayPal by telephone. They gave me the phone number that tells people they can not respond by phone, and which connects customers to the chatbox assistant. The PayPal XXXX customer support has not answered any further inquiries in several hours. 
I believe my banking information, stored with PayPal, is being held hostage with no way to access or delete my account. I do not believe that I have funds stored with PayPal, but I am not certain and can not check. I will be happy to provide my username upon request. I have two accounts with PayPal and am currently trying to close both accounts as a result of this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I do not owe this alleged debt. I am owed a credit of the full amount of the current balance which will XXXX XXXX  the balance and a refund of all previous " payments " I made according to 15 USC 1666d. 

This company SYNCHRONY ignored my letter and violated ( Uniform Commercial Code ) UCC 9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( b ) Duty to respond to requests. 

SYNCHRONY BANK has not provided the required verification and they continue to try to collect on an alleged debt after I disputed it, making them in violation 15 USC 1692g ( b ). In addition when a billing error notice has been given the account is to credited while in dispute. 

I sent a letter to SYNCHRONY BANK telling them that I received a statement from them requesting of a payment from XXXX XXXX in the amount of {$3500.00}. I told them I am willing to pay off this account in the full amount of {$3500.00}, together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

According to 12 U.S. Code 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. No money, devices, or services were loaned by SYNCHRONY BANK to XXXX XXXX nor CREDIT WITH XXXX. 

I requested documentary evidence on account ending in XXXX, pursuant to 15 U.S. Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with XXXX XXXX my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ) which I have attached. I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K on the public and private side showing accounts receivable and payable. I request the accounting ledger to be authenticated by a secured party pursuant to UCC 9-102. 
This company needs to credit the account the full amount of the current balance which will XXXX XXXX the balance and refund all previous " payments " I made according to 15 USC 1666d, in the form of a check.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime closed my account after I replied multiple times to there emails stating to reply in 5 days with all the verification I could possibly get and after a month of going back and fourth they closed my account anyways and said my verification didnt safice and after telling them that I had a reversal XXXX from my county treasurer from my property taxes that was reversed onto the closed chime card on XX/XX/XXXX I still havent been able to talk to anyone regarding where my money and I call the treasury office everyday and they even reached out to chime in regards to stoping or getting the funds back because right now there is {$2000.00} floating around I dont have it, The treasury sent it back to my chime card and they can not get information from chime either regarding it. Its been so stressful knowing that I had a blessing coming of that XXXX back but I cant even get it or talk to anyone about it. Please I just want my money swang back to the treasury so I can get it before XXXX that would be great.

Company response to consumer: Closed with explanation