vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: IL

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 Loan number XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX Account XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX {$19000.00} XXXX XXXX Account XXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 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. 1681 ( 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 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 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Regarding Synchrony for Amazon XXXX I obtained a Synchrony card and there are {$310.00} worth of fraudulent charges on the card. All of the charges are Amazon XXXX charges, including XXXX, XXXX, etc. I provided the company with a detailed list of each charge in writing. I also paid the legitimate balance and closed the account. The company is unreachable, online chat resolution is ineffective. Calls go to an outside call service and are dropped after 15-2- minutes of holding, or transferred until finally dropped. The email section of the website is out of order. I would like the company to research and omit the fraudulent charges and stop sending me bills.

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 monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We want to report complaint for the CHASE bank. 

We mailed out a check to our vendor, and the check got stolen and cashed by a thief over the ATM machine. The thief cashed the check around XX/XX/2021 and the check amount is {$32000.00}. When our vendor called us and said they did not receive payment, but bank statement showed the check was cashed. We realized the check was stolen and cashed. We immediately contact our bank and we had to go through many departments to talk to the right person. We report the issue to Chase credit fraud department, and they said the thief cashed the check in XXXX XXXXXXXX ATM, so they are not responsible for fraud and can not return the money. We have to call back and forth many times between CHASE and XXXX XXXX. Then Chase said they will open case for investigation. After almost a year, they said the case was missing some information and it will be closed. Unless we send them new information. They want a police report from us, so we went to police station, and police department suggested us to report the letter stolen from the USPS to ahve their own police department to do the investigation. We report the issue from The USPS and have the case number. They will conduct the investigation. But CHASE did not perform their due diligence. First, the thief 's name is different from the check, and they did not verify. Second, they did not verify the signature. And they try to excuse themself from this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

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 2 : 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 items of information, other then records of convictions of crimes which antedates the report by more then 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 2022-10-06 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. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

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 2 : 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 items of information, other then records of convictions of crimes which antedates the report by more then 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 explanation
Consumer complaint received 2022-10-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-06 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:
I am a natural person. I am a living human being. I have rights under 15 usc 1681 Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because : According to 15 USC 1681. I have the right to privacy. And I did not give written permission to furnish these accounts. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( {$29000.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$22000.00} ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MS

Complaint narrative:
On XX/XX/2022, XXXX XXXX agreed to waive the late payments and remove the 2 recent, late payments for four different accounts I have with them. The delinquencies are still on my credit file and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MS

Complaint narrative:
On XX/XX/2022, XXXX XXXX agreed to waive the late payments and remove the 2 recent, late payments for four different accounts I have with them. The delinquencies are still on my credit file and need to 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I did not contact Navient because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my student loans as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my freaking score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: IL

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 Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX  Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 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. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: IL

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 Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXXXXXX XXXX XXXX Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXXXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 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. 1681 ( 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 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 2022-10-06 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 the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. 

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXX bank - account number XXXXXXXX XXXX XXXX  XXXX XXXX -account numberXXXXXXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX account number XXXX XXXX XXXX -account number XXXX XXXX XXXX XXXX- account number XXXX XXXX- account number XXXXXXXX XXXXXXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX an- account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX Unknown account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PBCAPIGRP- account number 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 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
When PNC takes BBVA they never care about BBVA customers, they create an Escrow account in my mortgage account when for the last 10 years there is non. 
They start charging me with out my authorization an Escrow I never asked for, and after paid them the amount they told me I owe the Escrow account stills there when it supposed to be deleted, canceled or disappear, PNC is n'the worst bank customer service I has experienced

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
Wells Fargo closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card, which I did not know when I made the payments. I have always made all of my payments on time and have never had a late payment. Even after Wells Fargo closed the account, I continued to make on time payments and the balance on the account bringing the account within terms of the cardholder agreement. The account is planned to be paid off with a {$0.00} balance by the end of the month. As a XXXX XXXX we sometimes do not get communication that our accounts may be compromised.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX withdrew {$370.00} from my checking account XXXX times. XX/XX/2022, XX/XX/2022, and attempted to withdraw for a XXXX time on XX/XX/2022. I have never done business with this institution nor have I ever heard of them. The money was withdrawn fraudulently from my business checking account using my routing and account number. 
I called my bank... Bank of America and they have made the process of recovering my money extremely difficult and have treated me as if though I was the one who committed the fraud. I have not been able to get any information from my own bank nor are they willing to give me a temporary credit on my account until the issue is resolved which can last over 90 days. I called my bank for help and sat on the phone for an accumulated 8 hours while they transferred me from department to department. Every representative I spoke with apologized, but immediately washed their hands of me by transferring me yet again without any resolution or answers. 
Their investigation department does not speak with anyone outside of their own department so even Bank of America representatives can not obtain information. They do not make the process easy nor do they give their customers peace of mind while trying to resolve the fraud. The departments do not give a clear explanation of their process. Instead they insist the customer sits and waits while no one reaches out. 
Had it not have been for me sitting on the phone for 8 hours I would have not even know they received the claim I sent in. I filed my claim on Monday via email because they said that was the only way I can file my ACH fraudulent claim. Today is Thursday and I still have not received any correspondence from my bank which is why I have had to call and sat on the phone for 8 hours trying to get some sort of explanation on what happens next. I still do not have a clear explanation what is happening, their process or why they will not apply a temporary credit to my account while they investigate causing additional financial hardship to my household.

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 monetary relief
Consumer complaint received 2022-10-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : # XXXXXXXX XXXXt : # XXXX 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 2 : It also states a consumer reporting agency can not furnish 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation