vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 2022-07-29 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a XXXX XXXX vereran and current member of the XXXX XXXX XXXX. I have been banking with Navy Federal Credit Union for XXXXour years without issue. This past week Navy Federal Charged me 12 NSF fees of {$29.00}. {$340.00} of fees in less than a week. I emailed them constantly about why I kept being charged with money in the account, I have overdraft protection. They took DAYS to respond to me. They refunded only three of these charges. This has destroyed me financially. The NSF notices never say who the charges are coming from only the amount. They are very very slow to respond to any messages. They are predatory and were already forced to settle a class action lawsuit for predatory overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX XXXXXXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX XXXXXXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2022, I contacted Huntington Bank regarding having a XXXX hold to be released from my account. During review I was informed that they would be ending my relationship because of the number of checks that did not go through. I said ok, but they refused to give me access to my funds immediately that was on the account and they still have XXXX dollars of my money on hold. I was able to withdrawal XXXX dollars but Im still not able to get access to the remaining amount of my funds because they are claiming that there are still pending charges. This has left me in a bad spot because all of my money was deposited in this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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 2022-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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 2022-07-29 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: LA

Complaint narrative:
This is about Experian. Woke up to an email on XX/XX/22 saying my account email address has been changed. I replied to their help address as directed and was told I would get a response in 2 business days, which is absurd. I attempted to reach them on XXXX, but they dont respond outside of business hours. 

Luckily, I found this article, which details the problem : XXXX XXXX XXXX It appears that this has been a common problem with them lately. Someone with rudimentary personal info on you can register a new account and own yours. This has been known for at least a month, and they havent hardened their security. 

I didnt even want this account, but it was offered to me during their last massive data breach, in which they were given a slap on the wrists. Serves me right. 

Luckily I was able to get my amount back ( no help from them ) by using the same exploit : re-registering an account with my information.

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 2022-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have a XXXX cell phones services for my family from XXXX. 
I bought them from their website and connected during covid coz stores were closed. 
We put the account on Autopay since the beginning of the account. 
I suddenly see a letter came to us saying that my XXXX account is in collection for 2 diff bills on {$18.00} and {$54.00} that I am not aware of. XXXX customer services say they created sub accounts. 
I never got a bill or nor should I coz they are not my account number. 
So I disputed it with the customer service rep and they said it has gone to collections and I have to pay to save my credit. That was ridiculous. 
So I wrote to the collection agency saying these are not my accounts. Not sure what a sub-account is. Asked them to remove it from my record. My credit took a 54 points dive due to this. I need help to maintain my credit with this big corporate giant.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2022-07-29 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:
In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

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 2022-07-29 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: West Realm Shires Services Inc.
State: FL

Complaint narrative:
On XX/XX/2022, XXXXXXXX XXXX I attempted to withdraw XXXX XXXX from my XXXX account. The XXXX was not transferred as requested. I attempted to contact XXXX via the support ticket protocol several times they were nonresponsive ( XXXX withdrawal missing # XXXX XXXX withdrawal ). 

At XX/XX/2022, XXXX XXXX I filed a second support ticket ( Missing Deposit / Missing With Drawal # XXXX ). On XX/XX/2022 @ XXXX XXXX I received the following response : Hello Your withdrawal attempt on your account has triggered a review for potential fraud. While we investigate this all withdrawals on your account have been disabled. 

In order to help us with this investigation please can you send us : 1. A selfie ( a photo of yourself ) - The photo must show you holding both your ID and a hand written piece of paper that displays " XXXX Verification '' along with the current date. 

Once we review the information you submit, please note we may ask for additional information as we carry out our investigation. 

We apologize for any inconvenience this investigation may cause you and we hope to get this matter resolved as swiftly as possible. 

Best, XXXX On XX/XX/2022, XXXX XXXX I complied with the requested information. Since my response XXXX has been non responsive. 

On XX/XX/2022, XXXXXXXX XXXX I filed an additional support ticket ( Missing Deposit / Missing With Drawal # XXXX ) I attemped to make a deposit & subsequent withdrawal yesterday. I was told that my withdrawals have been blocked due to a fraud invistiuagation. I was ask to send addtional verifcation of my identity yesterday. I complied with the request. Support has been non-responsive ... ... .. See attached the requested information ...... 
Uploaded XXXX XX/XX/2022, XXXX XXXX XXXX is still non-responsive ..... 

Subsequent attempts to file a support ticket resulted in the following message : You are not allowed open more support tickets right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: LEXISNEXIS
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: TX

Complaint narrative:
My daughter forgot to return her cable modem after she graduated college. We returned it and received confirmation of delivery on XX/XX/2022. I have continued to receive calls from Financial Accounts Service Team out of XXXX, TN. I communicated with them months ago that it had been received and gave them the tracking number. They continue to call, so i stopped answering. On XX/XX/2022, I answered the call. Typical call " this is an attempt to collect a debt '', I told her again, it was returned back in XXXX. She put her supervisor on the phone, and the supervisor acknowledged that she did not mark my account correctly from the previous calls and said she would get it corrected. Then she mentioned my credit report. After we got off the phone, i checked my credit and they put a derogatory mark on my credit pm XX/XX/2022, dropping my score by XXXX points. I WAS in the middle of a refinance with XXXX XXXX  that I no longer qualify for. The company will not take my calls any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I had placed a deposit on a XXXXXXXX hotel in the fall of XXXX The date of the reservation was XX/XX/XXXX. We canceled the flight on XX/XX/XXXX because of XXXX XXXX That {$550.00} deposit was not refundable because of the late cancellation. I had no trip insurance other than trip cancellation benefit that my chase credit card offered. I filed for refund of the {$550.00}. The name Insurance company is XXXX. I have submitted their data many times over the last four months. They keep asking for data Ive already submitted. It appears to me that XXXX  has no intention of paying this claim. My complaint is against XXXX  and against Chase for hiring such a bogus company. I think Chase is advertising a trip cancellation benefit Knowing that their client will never be reimbursed for a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I have XXXX credit cards from Genesis Financial Solutions ( XXXX XXXX XXXX credit cards ) that are charging me a 34 % Annual Fee ( both charge me {$99.00} per year annual fee on a {$300.00} limit ). According to your website ( XXXX ) the limit is 25 %. I've called the company a couple of times and they refuse to move on this. They also sent me mail with the gist of it being 'you signed the terms of service, so that's final '. I've argued that what they are doing is illegal, but no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXX acct # 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 2022-07-29 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: WI

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