vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My personal identifying information is being sold by data brokers on the open market and internet

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX my chime account was hacked. I got a notification saying my phone number was changed. Then got another notification saying that my email was changed too. I called chime and was told that my account is going to be locked cause I notified them about my account being hacked. So I figured that my account being locked no one take use it for anything. Later that evening/ night I get another notification saying that {$260.00} from my checking account was moved to my credit builder account. A few minutes after that it said you have {$0.00} in your credit building account. Called chime again around XXXX to let them know that money was taken out of my account and was used on a site called XXXX  .... and it wasn't me. Was told to call in the morning to see how the investigation was going. On the XX/XX/XXXX I called and was told that it's under investigation. And if I had any proof that I was hacked. I sent them screenshots of the notifications saying phone number was changed and email was changed. Also when the email was changed it gave me a location in XXXX XXXX XXXX  ) I live in XXXX. Sent photos of my driver 's license and photo of me holding my driver 's license. I sent them my XXXX  location for that date as well. I've been doing this back and forth with chime cause they keep denying my rebuttals cause Ive have done like XXXX of them. They keep saying they have no proof the stuff I sent in is no good. Meanwhile I sent my XXXX location for that day which is XX/XX/XXXX I sent notifications I got saying email was changed phone number was changed I also have emails of me going back and forth with that email that was on my account and I was blackmail sent them the screenshot of that and still chime is saying I don't have enough evidence so they keep denying it I'm going to send you guys all the screenshots I have and the emails going back and forth mind you the person used my same name but with a different email address so I guess chime can't figure it out. 
Here my info incase you need it Account Ending in : XXXX Claim ID : XXXX Date Error Reported : XX/XX/XXXX Claim Total : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I called the bankruptcy court in XXXX. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
Report GM financial repossession so the account has been closed and it needs to be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
The XXXX XXXX XXXX had an account with First Horizon  * ( who acquired XXXX XXXX ) for about XXXX years. During the pandemic several board members passed away and we went into arrears with the account and shut down the company. I contacted First Horizon in XXXX to identify the amount to pay. I paid that amount via XXXX and requested that the account be closed. 

First Horizon did, in fact close the account and then admitted to me that they re-opened the account because the deposit to cover arrears was about {$1.00} too much. I was not notified that the account was re-opened. First Horizon then started charging monthly fees and other charges. Now they are harassing deceased board member families as well as myself for fees they charged the company because they re-opened the account. We feel this is fraudulent and feel that First Horizon should be criminally charged for this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXXXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
I have submitted disputes to you and i haven't got a response within 30 days and yall are requires by law to do so. Please investigate my disputes Thank 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 2022-06-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted disputes to you and i haven't got a response within 30 days and yall are requires by law to do so. Please investigate my disputes Thank 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 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TN

Complaint narrative:
I made an agreement with Jefferson Capital on behalf of an unpaid debt to XXXX XXXX. The agreement was to be settled for half the debt and upon receiving the last payment, the debt would be considered paid in full. This company still reports to the creditors that I owe the rest of the debt, when I in fact do not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I have repeatedly asked USAA via email and telephone to close my checking and savings accounts, and they refuse to do so. They will not explain to me why they won't close the accounts, but every time I ask to get them closed, they don't do it. I have even mailed return receipt letters to them to close the account, and they won't do it. I do not want to ever bank with this institution again, and I resent every time they email me or send me a statement. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX XXXX / XXXX. # : XXXX/ XXXX. {$1300.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.

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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I applied for a credit line increase with Navy Federal for my XXXX card. I was denied an increase based on a credit report PRIOR to my application. I notified Navy Federal that the report they are using is inaccurate. I requested they pull a current report to be able to properly evaluate my credit. They have refused stating they can decide what report they want to use. The current report will show at least a 40 point increase as well as credit utilization of 9 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: OH

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-06-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am making this complaint against XXXX, XXXX, and Equifax. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: AZ

Complaint narrative:
I am making this complaint against XXXX, Experian, and XXXX. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.

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 2022-06-17 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions it lists me as an authorized user, and this account belongs to an ex-spouse.

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 2022-06-17 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions it lists me as an authorized user, and this account belongs to an ex-spouse.

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