vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
XX/XX/2022 In XXXX of 2022 I applied for credit with Honda Finance. I was denied credit and on XX/XX/202 I asked them to reconsider because of XXXX well known reporting problems. 

It appears that Honda Finance ran my credit without my permission on XX/XX/2022 and I did not give them permission to run my credit. 

Over the past 40 days +, I have filed several complaints with Honda Finance and XXXX with no resolution. 

The original CFPB complaint # XXXX was an attempt to correct the record. I told Honda that they had run my credit a second time within their 30-day grace period. This grace period was explained by Honda that they do not run credit twice within a 30-day window where it applied to the original inquiry. I told the Honda executive that my credit was in fact run a second time in the 30-day window. Honda told me that it did not show on their files and told me that I should question XXXX and the 2 would resolve it. A copy of my XXXX inquiry record is attached. 

After I submitted complaints to XXXX over 5 times in the past month ; with no resolution, I am coming back to CFPB to resolve this complaint. I called Honda and got nowhere. It seems that Honda Finance and XXXX are incapable of resolving this. 

I have attached some of the responses that I got from XXXX in the hope that when you share this with them, that they will get it. 

Additionally, complaints that I have filed against XXXX are taking 30+ days and still have not been resolved.

Herein, I list the complaints related to Honda Finance and XXXX : XXXX XXXX XXXX XXXX Perhaps, this time it will get resolved. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello I been trying to open a account an I keep saying I cant open a account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime account compromised. My phone number kept being changed to gain access. Took {$1000.00} first but Chime investigates and credited it back after 2 days. Several days later my paycheck was directly deposited to account at midnight. A few hours later a security access code was requested and several minutes later the phone number associated with my account is changed. Then all my funds were consolidated from saving to checking to credit builder account. ( 10 ) Fraudulent XXXX XXXX purchases totaling {$1900.00} made on my credit card. Debit card was still in mail. Reported all to chime sent emails, various calls to Member services, Disputes. As of this moment my phone is constantly being changed and unauthorized. Only keeping account open for crediting back my funds. I will then close account. Help! Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: SC

Complaint narrative:
In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX  # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 2022-10-16 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: CA

Complaint narrative:
The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.

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 2022-10-16 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: CA

Complaint narrative:
The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.

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 2022-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XXXX, XX/XX/2022 I discover that I could not access funds in my CASHAPP in them amount of {$2100.00}. I initially reached out to CASHAPP vis the app and it stated someone would contact me. After no one contaced me within XXXX hours I called customer service. I was informed that a XXXX was placed on either me XXXX XXXX or my company Beginning Futures. The XXXX could not give me any other information, he stated a the CIVIL RESPONSE department had sent me an email in reference to the matter. I informed him that I had not received the email, he stated he would contact the CIVIL RESPONSE team to resend the email. Once I received the email on Fri, XX/XX/XXXXXXXX XXXX XXXX I attemped to contact the complany isted on the email. none of the identifing information was correct for the company both the office and cell provided an error message when calling. I responded immediately back to CASHAPP, receiving another message at XXXXXXXX XXXX saying that the case had been closed due to no response from me. This communication is an error, I did respond as soon as I was made aware of the issues with CASHAPP. CASHAPP has failed to provide a copy of a lien as well as any identifing informaion related to a lien. I would like my funds to be released back to me from CASHAPP, in addition CASHAPP should consider using the APP as a source of communication vs emails, this process was not reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I tried opening an account an it keep saying I cant open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: NV

Complaint narrative:
I have been using Venmo for awhile now and i have a account hooked up to venmo which allows me to instantly send my money from venmo to my main account. XX/XX/XXXX for some unknown reason which they havent told me why, i was unable to cash out instantly. My option would be as follows ... .1. Venmo it to another person i know on venmo and have them send it to my main account. 2. Opt for regular bank transfer which takes 3-5 days. 3 go to atm and take the money off my venmo account via their debit card. When i called them i had told them i was just at the atm and it wouldnt let me get money out. So i was transfered to someone and she said ok its fixed you can get money from the atm. Well i went again to try and it still wasnt fixed! I called back only to have them tell me they couldnt do anythinf about it, i asked when will i be able to access my money XXXX a supervisor said, " I dont know! '' This is totally unacceptable. They claim they cant see what the reason is for flagging my account and when i call to reaolve it they tell me sorry cant help you, even had a representative ask me why i was trying to get my money out the atm?! What excuse me? Thats none of her business. I want my money out the atm because its MY MONEY WHAT I WANT TO USE IT FOR IS NOT HER BUSINESS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a complaint about my bank : Bank of America, freezing my accounts for 3 weeks. A debt collector contacted them & requested them the submit a payment. Not to freeze because funds paid in full. I was unable to, access my accounts because bank of America couldn't read. The lawfirm faxed the bank 3 times to, release the freeze.

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 2022-10-16 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: Self Financial Inc.
State: CA

Complaint narrative:
The company Self Lender is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: AL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats 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 a account without mt written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 In XXXX of 2022 I applied for credit with XXXX XXXX. I was denied credit and on XX/XX/202 I asked them to reconsider because of Equifaxs well known reporting problems. 

It appears that XXXX XXXX ran my credit without my permission on XX/XX/2022 and I did not give them permission to run my credit. 

Over the past 40 days +, I have filed several complaints with XXXX XXXX and Equifax with no resolution. 

The original CFPB complaint # XXXX was an attempt to correct the record. I told XXXX that they had run my credit a second time within their 30-day grace period. This grace period was explained by XXXX that they do not run credit twice within a 30-day window where it applied to the original inquiry. I told the XXXX executive that my credit was in fact run a second time in the 30-day window. XXXX told me that it did not show on their files and told me that I should question Equifax and the 2 would resolve it. A copy of my Equifax inquiry record is attached. 

After I submitted complaints to Equifax over 5 times in the past month ; with no resolution, I am coming back to CFPB to resolve this complaint. I called XXXX and got nowhere. It seems that XXXX XXXX and Equifax are incapable of resolving this. 

I have attached some of the responses that I got from Equifax in the hope that when you share this with them, that they will get it. 

Additionally, complaints that I have filed against Equifax are taking 30+ days and still have not been resolved. 

Herein, I list the complaints related to XXXX XXXX and Equifax : XXXX XXXX XXXX XXXX Perhaps, this time it will get resolved. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: SC

Complaint narrative:
In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : milestone gold XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 2022-10-16 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: SC

Complaint narrative:
In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : milestone gold XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 explanation
Consumer complaint received 2022-10-16 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: SC

Complaint narrative:
XX/XX/2022, There are credit inquiries on my credit report that I don't recognize. I have disputed these inquires but they have not been removed. The company names are attached and highlighted in yellow. The companies listed have not contacted me as the fair credit reporting act requires under federal law. I did not give permissible purpose to the companies listed. It is illegal to furnish consumer information to companies without consumer consent. 

The names of the illegal inquiries are : 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

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 2022-10-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-16 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: AL

Complaint narrative:
in accordance with the fair credit reporting act convertgent account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats 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 a account without mt 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 2022-10-16 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: AL

Complaint narrative:
in accordance with the fair credit reporting act convertgent account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats 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 a account without mt 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 2022-10-16 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 act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX, XXXX XXXX XXXX REFERENCE # 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. States that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: DC

Complaint narrative:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE EXPERIAN PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.

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