vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/year> someone from XXXX XXXX accused my Credit Karma banking account and took {$1500.00} with a {$300.00} cash back from a XXXX XXXX XXXXXXXX They also made another purchase of {$30.00} at the same store. # XXXX I called Credit Karma and asked them how someone gained access to my account and said that someone changed the phone number associated with my account. I said I never got an alert of this and they didn't know what to tell me. I spoke to various people and no one was able to help. On XX/XX/year> I called back and spoke to XXXX in the dispute department and she said I was eligible for a " credit '' of the amounts taken. That is MY money and it should of never been stolen. They said they had no idea how that happened. My information on Credit Karma was leaked and I am left with {$0.00} as a mom of XXXX. XXXX said in about XXXX  days I will have my " credit '' but that does not help. Credit Karma has no respect to protect the consumer information. Someone was able to call them and act like me and change personal information. I am very disappointed in how I was treated over the phone when asking what happened and that I desperately needed all my money back. I have to pay rent on XX/XX/year> and now I won't be able too. Once I do get the " credit '' I will be no longer using Credit Karma for anything. I am going to a more well known bank. This was a lack of security from Credit Karma when I trusted them with my hard work money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting 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 according with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 2 It Also states a consumer reporting agency can not furnish a account without my Writen instructions During the pandemic I lost my job and had to give up the vehicle because I could not continue paying the fees.

and this information is negatively affecting my credit history.

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 2024-07-04 00:00:00
Product: Credit reporting 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 according with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 2 It Also states a consumer reporting agency can not furnish a account without my Writen instructions During the pandemic I lost my job and had to give up the vehicle because I could not continue paying the fees. 
and this information is negatively affecting my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am writing to express my deep frustration and disappointment regarding the recent closure of my PayPal Credit account, provisioned by synchrony financial, without prior notice. The account was closed citing two failed payment attempts, despite my timely settlement of dues through an alternative payment channel. 

synchrony financial asserts that the closure was triggered by two attempts to pay with invalid account details. However, I did not manually enter my account details. PayPal uses XXXX, a third-party service, to link bank checking accounts after authentication. This clearly indicates a technical issue on the part of PayPalXXXX XXXX 

When I contacted PayPal customer support, I was informed that PayPal Credit accounts are managed by Synchrony Bank, and that PayPal has no control over their decisions. This response is unacceptable. PayPal offers PayPal Credit through its affiliation with XXXX and Synchrony Bank, and any technical issues arising from this partnership should not penalize the customer. 

I demand that this matter be investigated thoroughly and that my PayPal Credit account be reinstated immediately. The issue was beyond my control and resulted from a technical error within PayPal 's system or its partners. I expect prompt action to rectify this unjust situation.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Wrong identity is on my report wrong names and wrong social security number.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Wrong identity is on my report wrong names and wrong social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
Mortgage payment I paid to Select portfolio servicing was {$3700.00}. Select portfolio servicing documents states " payment in full '' {$3200.00}. I requested a refund of {$530.00} due to over payment. Was told the refund they processed is in the amount of {$130.00}. why? When there were no late charges or penalties of ANY kind. Six Select portfolio servicing employees and supervisors have stated that I will receive a refund from escrow and the principal. I paid the mortgage for the loan due to the home and land was willed to me by the previous owner. And I have been told so many untruths by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app refuse too open me account base on term violation ( but refuse to state the violation ) and my XXXX which is mrdd cash app has taken money from me from previous account I had in the past however I forgot that account information so when I tried to open a new account they refuse to open me an account base on terms violation but they refuse to tell me what the violation is. I also appeal this process and believe I'm been denied an account due to my XXXX. And cash has taken money from me on previous accounts that I was never able to use. Cash gave my whole family account but is denied me without a clear reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting 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:
Credit Agencies continue to report lates on my consumer report which is in violation of U.S Code 1681b permissible purposes of consumer reports and 15 U.S Code 1666b time to make payments,,, I've asked credit agencies not to report this information per 15 U S Code 6801 reporting non public information ..Please ask credit agencies to report all lates as paid as agreed or remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am also asking for validation and verification of these accounts that are being reported on my consumer report without my consent to be removed immediately.Ignoring these request means there is a willingful noncompliance in which i intend to sue for FCRA Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please make the following corrections per FCRA LAWS and send me a updated corrected 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 2024-07-04 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-04 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: TX

Complaint narrative:
The account was closed XX/XX/year>. I called them because I got a notification the account was flagged and they would not refund mt money in the account after it was closed. They wouldn't talk toe, blocked me. I no longer get emails from them. I sent in documention and information that was required but have not gotten anything back. I even set up another account to send in a void check to be able to get my refund. 

I have called many times since the account was closed, and they won't.give me any information nor allow me to talk to a manager or supervisor. They hang up on me. 

The amount that was in the account was about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have recently reviewed my credit report and noticed several discrepancies that need urgent attention concerning the account. This company has recognized the errors and committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of this account after acknowledging the inaccuracies. 
I request a thorough investigation into this account and prompt communication of your findings via postal mail. According to online information, such disputes should be resolved within 30 days, and I expect your response within this timeframe. 
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 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXXXXXX XXXX XXXX a law firm, informing me that I am being sued by a company called Jefferson Capital. The company has never reached out to me informing me that I was going to be sued and when I tried to call the company years back to setup a payment plan, they were not of any help as I kept getting hung up on or put on hold for several minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting 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:
I AM A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ASSOCIATED WITH THEFT ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED NOW IT REAPPEARED ON MY CREDIT REPORT AGAIN I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. 

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting 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: OK

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.

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 informationisinaccurate.

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 2024-07-04 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 informationisinaccurate.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX, Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief