vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) , # 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 an account without my written instruction

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 2022-07-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) XXXX # 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 an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: SC

Complaint narrative:
I went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.

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 2022-07-08 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: GA

Complaint narrative:
This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately.

Please reference my original complaint CFPB case # : XXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXXXXXX XXXX, Acct # : XXXX XXXX. Original creditor is XXXX XXXX - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Original creditor is XXXX XXXX XXXX XXXXXXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX  Acct Name XXXX XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX Bankruptcy Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.

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 2022-07-08 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 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 2022-07-08 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 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 2022-07-08 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: TX

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

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 2022-07-08 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: TX

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: WA

Complaint narrative:
This is the third company that has attempted to collect this debt. Each time, we have provided detail payments we have made to the original XXXX XXXX provider along with our request for an account statement revealing where each of our payments were applied. Our last contact was XX/XX/XXXX via email. After sending the message with our payment history and dates of previous contact, the calls stopped. 

Now, the third collection agency has been contacting us now. I explained the same scenario. They sent us a form to use to contest the amount. The due date is XX/XX/XXXX. Despite having sent us this form, they continue to call about every other day. They refuse to give me ( the spouse ) information, but when I call them back they give me all information so they are inconsistent in their privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2022, my friend, XXXX XXXX sent me a XXXX XXXX  payment of {$100.00}. I requested XXXX XXXX to transfer/deposit that payment into my linked Bank of America checking account. 

XXXX XXXX provided me with a transaction receipt indicating that the transfer was completed on XX/XX/2022. However, Bank of America claims to have no record of that transaction. 

XXXX XXXX claims that upon their investigation into my claim, they found that the funds were transferred to Bank of America. However, they did refund the {$1.00} transfer fee. 

Bank of America simply stated that that didn't get it and refused to submit a claim.

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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
The company had set return fees on amounts not taken out of the account on the due dates and taken it out of cards stating there were no funds on the account when I called the cards associated with other banks and there were funds on the account. This resulted in fraudulent credit reporting and my credit to go delinquent. This has been happening since 2017 and I am still paying {$40.00} a month under a settlement with Barclays Bank.

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 2022-07-08 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: TX

Complaint narrative:
Credit bureau reported a collections account " XXXX XXXXXXXX XXXX XXXXXXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX XXXXXXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I try to fix it but chime account and XXXX XXXX I file a despute on my account with the police report. Becused my account was hacked in to or made a clone on my back card and they won't grant me my despute I had to move from back and get a new job becused I was not reward my dspute also a bank teller claim to be a XXXX XXXX  banker and told me it's was safe but transfer all my money from my account no

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Cahse XXXX XXXX card on XX/XX/XXXX. Later that day I received a call I was unable to answer. The voicemail I listened to was distorted and I could not understand a word that the person was saying. On XX/XX/XXXX I received a letter from Chase prompting me to call XXXX. I called an was prompted to enter the last XXXX digits of my social security number to confirm my identity. When I did this the recording then asked me to confirm I submitted an application for a credit card. I confirmed this and a recording told me they would need 14 days to make a decision. I have phone records with proof of this phone call I made on XX/XX/XXXX at XXXX PST. 

Today, XX/XX/XXXX, I called Chase to check on my application as it has been more than 14 days. I was informed there was no record of me calling and my application was closed on XX/XX/XXXX. I escalated this to a XXXX. 

When I spoke with the XXXX she informed me that they could try to re-open my application but they would have to do another hard pull on my credit. I do not think it is fair to pull my credit a second time for their negligence. I have also filed a complaint internally with Chase. At this time I have not allowed them to pull my credit a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I will be uploading an explanation as typing is a problem due to health issue Also, I can not upload XXXX document due to size of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I'm XXXX  XXXX  senior recently laid off and need your help. 
Paypal didn't pay me a refund of {$2600.00} that I am entitled to as a customer protection warranty. Also, Paypal has limited my account to the point that I can't even transfer my remaining balance of {$270.00} to my checking account. 
The {$2600.00} owed to me is a refund for an item that I bought on XXXX on XX/XX/2022, and returned to the seller because it wasn't as described. I followed Paypal 's directions correctly in order to get my refund. 
The seller received the returned item as it is stated by the tracking information from USPS express mail. 

Paypal has ignored all my verbal and written messages, and finally, the customer representative told me that their system algorithm " has decided to block my account indefinitely ''. 
There is not a clear explanation from them about this problem. 
Sincerely, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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: DE

Complaint narrative:
We have a security freeze with all the major credit agencies for myself and my spouse XXXX XXXX, XXXX, and Equifax. The complaint is only with Equifax. On XXXX XXXX We temporarily lifted the freeze on these accounts. We were unable to access our online accounts with Equifax, we called and spoke to a representative at Equifax to complete the order. We then spoke to several representatives about this access for our accounts. These conversations lasted over three hours on XX/XX/XXXX. We are unable to check our credit report or credit score or lock or unlock our accounts. We were assigned case numbers for this problem. Equifax stated that they would close the old accounts and reset for new ones as they were unable to recover the accounts. I was told to wait three to five days and check back. We called again on XXXX XXXX which lasted another two hours the cases were escalated. We were told a second time to wait 24 to 48 hours. Still the same problem. We need our myequifax accounts accessible!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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 2022-07-08 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Newrez mortgage company violated federal law 1024.37 ( c ) ( 1 ) ( i ) by sending me a notice of forced insurance on my home. The first notice violated 1024.37 ( c ) ( 1 ) ( i ) because they informed me that they were purchasing insurance inside of the required forty-five days notice from the date coverage ended due to being dropped by my insurance company. My coverage ended XXXX/XXXX/22, they sent the first notice of purchasing forced insurance on XXXX/XXXX/22. They received my new information info on XXXX/XXXX/22, the date they also cancelled the forced insurance. There was no reason to charge me for insurance they chose to purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : 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. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for XXXX is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between XXXX and Experian and XXXX last active date is missing. Date of last payment is missing for Experian and XXXX but is being reported for XXXX. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-07-08 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: NJ

Complaint narrative:
I had received the alert from my Experian Credit Report. about the over usage on one of my credit cards for XXXX XXXXXXXX XXXX XXXXXXXX XXXX When I checked, it says that, " Your XXXX XXXX XXXX XXXXXXXX acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on XXXX XXXXXXXX XXXX XXXXXXXX and later on changed the address. Hence, I called the XXXX XXXX XXXX  XXXX and Experian to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from XXXX XXXXXXXX XXXX XXXXXXXX couldn't find this account under my name but he was further going to investigate about this matter and send out information to Experian. I was also told by Experian Customer Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my Experian Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. 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