vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, Transunion, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 2022-08-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, Equifax, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 2022-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account 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.

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 2022-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account 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.

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 2022-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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 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 2022-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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 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 2022-08-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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 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 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I called into Bank of America to file an fraudulent transfer of XXXX From my account to XXXX XXXX my purse and phone had been stolen and the person had all my personal information such as ID and social and passwords i store in my purse they denied my claim which has cause significant financial difficulties to where me and my family will be homeless soon I dont feel that my claim should have been denied when I did not make the transaction

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 2022-08-06 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: Netspend Corporation
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX XXXX  {$89.00}, XX/XX/XXXX XXXX  XXXX {$77.00}, XX/XX/XXXX XXXX {$88.00}. These were the four fraudulent transactions on my account. I called twice to file a claim because I had to wait for everything to clear. After filing a dispute as well, they claim to ensure I get my money back and even an advance until they find if it's actually fraudulent or not ( which never happened ). I kept in close contact with them weekly and sometimes twice a week checking up on my money and where it's at. Mind you I do not have a vehicle at the moment its being fixed. Two of the transactions happened in Alabama. I live in Ohio. On XXXX I found out there was a third claim on a bunch of other items I did not claim were fraud, but was told since there was a claim I had to write another email to their dispute documents email otherwise all the claims WILL be denied, so I did. XXXX I contacted them to find there was a third claim made on the four items I know were fraudulent and they told me it had been closed and I won't see any of the {$360.00} and change. I got upset and told them I wasn't happy with their service and had been a loyal customer for over 7 years and this is the first time it has ever happened. I felt I had proved my case since I live in the XXXX, Ohio area and spend money the same day these 4 transactions showed up pending XX/XX/XXXX, 2 transactions were in Alabama, the other two hours away from me in Ohio. Told them once again my vehicle has been getting worked on for months, that's why I've been using XXXX and XXXX daily to get to work. They sent me to the system main menu on the phone multiple times. Yesterday XXXX I got a text message saying I need to call about my account, something was wrong. After calling and over two and a half hours on the phone, I find my account was closed by them for suspicious fraudulent activity, and because of this I WILL not be getting any further help from them on my claim. I had over {$390.00} left in that account and now am afraid they will find a way to keep that too. They claimed they already processed my check and I should get it in 10 business days, but they also said that about crediting my account for the money fraudulently taken, that I felt I proven by looking up each place via account transaction and looking up how many miles they are from me. All four done the same day I spent money here in XXXX, Ohio.

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 2022-08-06 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: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/2022 my account was closed and that is unlawful Pursuant to 12 CFR 1002.7.

12 CFR 1002.7 - Rules concerning extensions of credit.

CFR 1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname.

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resources Management thank you for your input but I requested verification from XXXX XXXX XXXX But sense you did it your documentation with signatures seem to be a joke { CFPB please blow these signatures up you will see that they are not the same myself nor my wife write like that. { If this is a contract Where it the SSI number, { My drivers license, or for that matter any thing } these documents is not a contract. so Credence Res how about a validation from you this account XXXX XXXX XXXX you supplied verification, { now validation } { 1 } who you spoke to name and contact information, what was said } both } parties, { any associates you may have spoke to, there name and contact information, times and dates, any coworkers you may have talked to about this account their names and contact information what was said both parties, { the original creditors } address and contact information Credence verified means make sure or demonstrate that { something is true or justified } LAW swears to or support { a statement by affidavit } VALIDATION means the action of checking or proving the validity or accuracy of something CFPB I have a right to is information { reviewing this made up signature documents that are not contract is a crime } you should have the information at hand because you verified right 30 days by law to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a letter from the UNITED STATES BANKRUPTCY COURT FOR THE XXXX XXXX OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXXXXXX XXXX XXXX XXXX VIRGINIA XXXX. THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR XXXX XXXX. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX *DELETE THE XXXX XXXX  BANKRUPTCY FROM THE XXXX XXXX OF VIRGINIA THATS BEING REPORTD ON MY CREDIT REPORT.

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 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
I opened a Chime account recently to give them a try. I had a portion of my check deposited to the Chime account and received a bonus from them on XXXX, bringing the account balance to {$310.00}. On XXXX, I made a payment to my credit card company in the amount of {$110.00}. I received an email from Chime on XXXX stating my direct debit had been declined. I am busy and got XXXX so I couldnt handle the situation immediately. On XXXX, I reached out to Chime because my credit card company charged me a {$29.00} return item fee and I wanted to know why the transaction was denied in the first place. I was told it was for insufficient funds by support and that my inquiry would be escalated to member services. Member services sent me one message on XXXX and then I didnt hear from them again until XXXX when they improperly transferred my case to their Dispute Team. This is not a dispute according to the Reg E definition. I am incredibly upset with Chime because I have to pay {$29.00} for something I did not do. It was unfair of them to decline the transaction and they were deceitful in trying to pass it off as a valid decline for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2022 my account was closed unlawfully Pursuant to 12 CFR 1002.7 1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis.

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname.

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-08-06 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: TX

Complaint narrative:
I did not consent to, authorize nor benefit from the following inquires in the attached consumer report. Block and remove them.

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 2022-08-06 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 Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out instrutions.

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 2022-08-06 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: TX

Complaint narrative:
Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX_Transunion XXXX XXXX XXXX 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.

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 2022-08-06 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 act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I had debt owned for Sunbit, I was informed by Sunbit that if I paid my debt off they would not report it on my credit report as a chargeoff. ( paid to delete ) Sunbit failed to do so and reported the debt that was paid off as a charge-off and is currently reporting on my XXXX. I feel like I was lied to by Sunbit and they did not go through with there agreement, Acct # XXXX. I wish this account to be removed off of my credit report from XXXX bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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:
I have asked Experian to conduct a proper investigation and verify that the XXXX XXXX, Account # XXXX that is reporting on my credit report was in fact reporting accurately on my credit file. I have received documentation from Experian that states the XXXX XXXX account # XXXX was reporting correctly on my credit file. After doing my own research, I have found improper inaccuracies on my credit report after Experian stated the information was correct. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : 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 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
The debt collector made a new debt on my credit report just for the fees from another credit. The amount is {$120.00} and Ive disputed with them and I havent heard anything back. Opened XX/XX/2020.

Company response to consumer: Closed with explanation