vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Westlake Services, LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-28 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: CCS Financial Services, Inc.
State: OR

Complaint narrative:
Credit Collection Services Disputed but returned accurate XXXXXXXX XXXX  Disputed But returned accurate

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
Hello, I am a XXXX XXXX XXXX that has my XXXX XXXX XXXX My primary bank was XXXX but I decided to close my XXXX and move on to Chime since I heard great stuff about them. I received a direct deposit on Chime for {$500.00}. Prior to receiving this deposit I already had $ XXXX dollars in my account from transferring my balance from cashapp. I got hit with a false chargeback causing a payment reversal on my chime. A day later I get a email from Chime saying my account is closed effective immediately and that I wont be receiving MY money that I earned. I got on phone with customer support. I messaged them on XXXX, XXXX XXXX XXXX and got no response. XXXX not sure how to move forward at this point. That money is ALL that I have. I live alone and thats what I use to pay rent, feed myself and pay my school fees. I have no one to depend on. I am basically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: PA

Complaint narrative:
I don't have any late payments or any missed payments. Yet TransUnion and XXXX minus points off my credit score constantly. Recently one took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both National Credit Bureaus are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have two charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the National Credit Bureaus from harassing and trying to intimidate me? What Federal Agency over sees 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 non-monetary relief
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2022-12-28 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: OH

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.

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 2022-12-28 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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have an auto loan on auto pay that automatically deducts $ XXXX from my bank account. I have never had a single late payment. In XX/XX/2022 TD Auto Finance misapplied someone else 's {$2000.00} payment to my account. I tried to make a payment in XXXX but it said no payment was due because of the misapplied funds, so I made a payment to principal. In XXXX, TD Auto Finance corrected their misapplied payment and backdated it to XXXX, so that my account showed XXXX something days late and reported it to credit bureaus. It was after the auto pay date so no auto pay was deducted from my bank again. They did not notify me of the error and asked why I didnt go online and make a payment. The account was on auto pay for years, I had no reason to think I should and assumed it would auto deduct. I have called XXXX to fix my account and the XXXX months of fees have not even been credited back and they don't seem to know how to fix their error reporting my account late to credit bureaus. In addition, the third time on the phone today, the representative disconnected my call " accidentally '' because she likely had no idea how to fix the 2 months of fee assessments I've requested credit back or the mistakenly reporting my account as late to the credit bureau even though their misapplied payment prevented the auto pay on my account from deducting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CT

Complaint narrative:
On approximately XX/XX/XXXX, I closed on a XXXX  with Huntington Bank for $ XXXX. At closing, I was required to take $ XXXX of the line, despite the fact that I did not need the money at that time. I deposited the money into my bank and wrote a check to Huntington on XX/XX/XXXX for {$40000.00}. The additional {$62.00} was to cover the accrued interest until Huntington received the funds and was overpaid by {$8.00}. At this point, I have repaid the outstanding amount and overpaid the accrued interest by {$8.00}, which was credited to my account. The XXXX also has a {$60.00} annual fee, which when netted against my credit, should have left me with a balance of {$51.00}. However, I am now told by the bank that I owe {$150.00} because the interest is calculated on the average balance over the billing cycle. So over the 30 day period, my average balance was $ XXXX despite the fact I only had the $ XXXX in my possession for 8 days. I am being charged interest as if I had borrowed $ XXXX over 30 days. How can I be charged interest on money I have not borrowed and don't have in my possession? I have contacted the bank at least 7 times to try and resolve this matter. I was told on most of those occasions that the bank would look into the matter and get back to me. They never did. Now I am being told they will contact the credit rating companies if I don't make a payment ASAP, despite the fact that the bank has not done any of the things they said they would. I am happy to pay the {$51.00} fee for the account. I have already paid the daily interest on the money in my possession for 8 days. This sounds very much like a way for the bank to continue to charge me interest and hide the true balance in the event I wish to pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX of XXXX / XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX of XXXX / XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Today, I called Huntington Bank, at ( XXXX ) XXXX, to close my Huntington Unlimited Plus Business Checking account. The account has a XXXX balance and is in good standing. 

I was told by the first rep I must step into a branch to close the account, even though I am at least XXXX XXXX XXXX from a branch, and the account was opened online. I asked the rep if she thought it was reasonable for me to journey that far, to close an account, and asked if she could show me in the account opening terms and conditions where it says I must close the account in person, but she did not answer. 

I asked to talk to a supervisor, and she told me the same thing, and did not answer the same questions above. She then told me I had to work with a local branch; transferred me to another person, perhaps a branch. 

The branch rep, then said the main customer service # ( XXXX ) XXXX was the only way to close the account, transferred me a third time, at wich point I was given a voice menu offering travel or insurance service options, wthout the familiar Huntington branded preamble for the voice menu. It seemed like a purposeful transfer to an non-Huntington Bank company to get rid of me without assisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: OH

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian over XXXX different times to inform them about and incorrect information being furnished on a consumer report about me. Today I decided to call them directly due to the fact that they have ignored me continuously and failed to correct the errors they were committing. I called Experian and got a representative who's name was XXXX and I informed him about the inaccuracies and incomplete information on the consumer report which were : Personal information : address ; XXXX XXXX XXXX XXXX, NY XXXX, I have never resided at this address and it does not belong to me. Address ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, this address is incomplete innacurrate. Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX these are not my correct name, my only name is XXXX XXXX XXXX. I also informed them about XXXX accounts reporting innacurrate, incomplete and false information the accounts were XXXX DEPARTMENT OF EDUCATION XXXX and XXXX DEPARTMENT OF EDUCATION XXXX these accounts have incomplete payment history, the payment history is inacurate, balance is innacurrate, account status is innacurrate. The representative XXXX acted as if he was filling the dispute to remove the information but instead started to speak to me aggressively and attempting to harass me over the phone, he then hung up the phone once I requested a supervisor. I then called back and spoke to XXXX XXXX employee who told me he doesn't have to serve me and hung up the phone on me aswell. I feel hurt, distraught and disrespected by Experian and its employees and can't seem to understand why they are treating me so unfairly. This will not end here as I will ensure that all of you are held responsible for your agregious acts against consumer 's like me. Experian has violated my privacy and destroyed my confidence in the banking system, they have assumed a role in my life and I am notifying them that the assumption is not accepted or appreciated by me and I will put you back in your place, where you belong the XXXXXXXX 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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