vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NC

Complaint narrative:
Account Name : XXXXXXXX XXXX  Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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 XXXX : 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 2022-05-03 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: NC

Complaint narrative:
Account Name : XXXX, NA Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX  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 XXXX : 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 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish an 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 2022-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I called Marcus by Goldman Sachs XXXX XX/XX/XXXX to close my online savings account. I went through the security checks and the customer service rep informed me that she would be initiating the wire and closing the account. On Friday XX/XX/XXXX we could see that money was still sitting in our XXXX account so called to find out when we'd receive the transfer. We were told our account had been 'forced closed ' due to a break in the terms and conditions of the account, and the money in our account would be sent back to the originating bank. I asked for more details : what does forced closed mean? What terms or conditions did we break? The agent said they couldn't provide any more info. I called on XX/XX/XXXX to see what was going on and again received the same response : forced close, no further details given. I called XX/XX/XXXX to double-check I'd understood correctly and asked for the case to be escalated to a verification expert, which I had learned from a previous call may have been the issue with the account, but I was told there was no one who could take my call. I demanded that my case be escalated and the agent told me someone from the verification team would call me back. Having heard nothing, I called again on XX/XX/XXXX to be told there was no more information they could provide, but that my account was forced close and it could take between XXXX and XXXX weeks for the money to be returned. 

I am in a state of disbelief. A bank took our money and won't give it back. Having done some research online I can see that this is happening regularly. XXXX opens accounts, takes the deposit, and then won't allow the consumers to transfer their money out. I am concerned that XXXX is experiencing cash flow issues or other financial issues and wanted to flag it with the FDIC and the CFPB. 

I would desperately love to discuss this with someone. Please contact me by XXXX  or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NC

Complaint narrative:
Account Name : XXXX Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I could not pay because I did not know how. I called but it was impossible to pay online. Also my ship leaves so much like every week or other week I am underway. The XXXX late payments have too my credit score down dramatically and by the way this card is completely paid for now.

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 2022-05-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've made several attempts to dispute the XXXX XXXX, XXXX and XXXX accounts and the inaccurate information that's being placed on my credit report by Equifax. The accounts with XXXX are still reporting as 120 days late. But like I've stated before, these accounts are closed paid accounts with a zero balance. They are CLOSED, and they are PAID, with a zero balance. So how I can be 120 days late. It doesn't make sense. XXXX and XXXX are collection accounts, and collection accounts can not report late payments. It is a direct violation to do so. 

The credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting inaccurate information. Surely this is grounds for removal and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I traded my old vehicle in to the XXXX XXXX XXXX dealership for a new car. The old car was a XXXX XXXX XXXX. XXXX XXXX took the old vehicle and paid it off to XXXX XXXX XXXX ( car payment company for the old vehicle ). 
A few months later, I receive a bill from Westlake Financial stating that I owe payments for the remainder of my auto installment loan for the XXXX. I called XXXX XXXX XXXX and told them that I traded this car in and that I do not own this debt. 
XXXX XXXX XXXX told me that they were aware of the situation. Westlake Financial was now affiliated with XXXX XXXX. I asked the representative why I didn't receive any information about the new affiliation. XXXX XXXX XXXX stated that the payment from the dealership was sent to them when it should have been sent to Westlake. 
The representative also stated that they were working on solving the issue and that Westlake Financial should have received the payment from the original dealership. 
I called back about 3 weeks later and nothing has been solved. The debt still shows that I owe Westlake Financial for the auto installment loan. I call Westlake Financial several times to speak with a supervisor and each time they tell me that the supervisor is either unavailable or gone for the day. 
I was also told that XXXX XXXX and Westlake Financial have been in contact with each other about solving the issue with the debt. 
After all this, I end up with a debt showing on my credit report for an installment loan that I do not own. The car was traded in and paid off from the dealership and sent to the car payment company. Due to the lack of communication and predatory collections tactics, I am a victim of false predatory credit reporting from Westlake Financial. 
On XX/XX/XXXX, I receive a Release of Interest Letter from Westlake Portfolio Management with my Installment Sales Contract stamped PAID. 
Now, I am left with a false credit report on my credit from Westlake Financial with proof that they receive payment from XXXX XXXX XXXX. I am currently working on building my credit back up. It has dropped XXXX points since the false report from Westlake.

Westlake Financial had the payment the whole time but ignored my concerns and waited long enough so they could report a " past due balance '' to my credit. I believe I have been a victim to false credit reporting by predatory credit agencies.

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a purchase back in XX/XX/2021, paid my Comenity Bank bill in XX/XX/2021 a day late. Therefore, I never received another statement to state the late fee, and if I did I would have called to discuss removing the late fee, as my payment is history is great. I NEVER received another statement until there were XXXX late fees on a statement, when I called to discuss the representative was nasty, stated they could only remove XXXX late fee. I explained that I never received an email statement nor paper statement, cause I would have called to have them the late fee. It sounds like a scam to get money from me or others. They are harassing me at home and cell, an my husband told them to stop calling. He unfortunately, was and still is going for XXXX treatments. Now they are harassing me at work, I tried to settle this but they do not want to hear about the statement never received. Look at my history never have I had a problem any company with payments. Now the bill keeps getting higher and higher.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am fully insured. Yet, a medical facility, XXXX XXXX in XXXX XXXX Fl. incorrectly filed my insurance claim 3 times. The XXXX said they did not get authorization, XXXX XXXX XXXX XXXX XXXX denial letter claimed XXXX was not covered due to an old injury. I thought preexisting conditions were not an issue these days. This leaves me with the debt of {$16000.00}. Transworld Systems , Inc XXXX XXXX XXXX bought the debt and have tacked on {$530.00} in INTEREST for a XXXX week period. I should not even owe this debt. XXXX XXXX had incorrectly filed my medical insurance claim for my procedure 3 times. 
XXXX complaint is against Transworld Systems for charging an exorbitant interest rate. Another complaint is against XXXX XXXX XXXX XXXX for denying a valid claim. 
Last complaint against XXXX XXXX XXXX of XXXX XXXX for negligence in theri billing process and lack of good faith adjustment given this was mostly their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harvard Collections, LLC
State: KS

Complaint narrative:
This account was from XX/XX/1988 with Illinois XXXX XXXX XXXX XXXX over 30 years ago and XXXX XXXX XXXX purchased this debt and put it as a collection on my credit report without any knowledge of this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: KS

Complaint narrative:
the following inquiries on my credit report were not made by me. They should not appear on my report. The Bureau refuses to remove them.

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX accounts with Citibank. 
XXXX Address XXXX Home address XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I just received the attached letter from Citibank XXXX This shows they disclose my personal data and despite my request, there is nothing I can do about it.

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 2022-05-03 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: TX

Complaint narrative:
I have over XXXX inquiries on my credit report that were not authorized by me. Inquiries and dates listed here after that need to be removed. 
XXXXXXXX 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 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 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 explanation
Consumer complaint received 2022-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  account XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been 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 an 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 2022-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: KS

Complaint narrative:
the following inquiries on my credit report were not made by me. They should not appear on my report. The Bureau refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: KS

Complaint narrative:
the following inquiries on my credit report were not made by me. They should not appear on my report. The Bureau refuses to remove them.

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 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Good morning, I have a checking account with Chime bank. On Friday morning XX/XX/XXXX I bought {$30.00} worth of gasoline from an XXXX gas station. If youre not familiar with Texas grocery stores, XXXX is a widespread chain with hundreds of locations throughout Texas. I shop here frequently, and at some of their locations they have gas pumps. I bought {$30.00} gas on XX/XX/XXXX. This legitimate charge is reflected on my payment account. Later that day I noticed a charge at an XXXX XXXX XXXX for {$100.00}, this definitely was not me but sometimes XXXX will put a hold on debit cards for around {$100.00} so I did not think much of it. However the next day another Unauthorized debit went through on my card for {$76.00}. Again this was not me. I contacted XXXX and their customer service agent confirmed my transaction that was legitimate at the gas pump for {$30.00}, and the agent noticed I used my pin number at that location. Then she went into greater detail regarding the unauthorized charges, {$100.00} charge went through at a location nowhere near my home, and a pin number was not used at the gas pump, she also confirmed that the {$87.00} charge went through yet another XXXX location here in XXXX and again no pin number was used at the pump and the location was even farther away from my home. At this time I canceled my card with Chime and requested a new one be sent to me. I have disputed these unauthorized charges with chime bank, however they denied my claim. It is my understanding that I am not legally responsible for unauthorized charges. For me {$200.00} is a lot of money and what they are doing is bad business and illegal. Thank you very much.

Company response to consumer: Closed with explanation