vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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:
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 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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:
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 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my consumer report for a rental property. TransUnion is reporting adverse information of convictions of crimes which antedates the report by more than seven years. That is a violation of Title 15 USC 1681c ( 5 ).

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 2022-09-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account, 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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD BANK Credit Card XXXX ending in XXXX XX/XX/XXXX Last payment made, {$0.00} XXXX XX/XX/XXXX letter received about an updated address XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This was reported as FRAUD to TD Bank and that an update was not requested. 
Also requested to close the account. 

Credit Report was requested later in the year and a record from XX/XX/XXXX showed {$1400.00} is charged off in XX/XX/XXXX. 
Reported this to TD BANK as fraud and requested it be investigated and cleared asap. 

Emailed and spoke to reps again in XXXX bringing attention to this matter to be investigated and cleared. 

XX/XX/XXXX called and spoke to 20 different reps and departments so far. 
Need this investigated and cleared from records!!!!!! Its XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I transferred money by mistake to my closed chase account in XXXX. I called chase many times since XXXX trying to get my money back. I was told many different things by chase representative. First they told me that my money will bounce back to the initial account, where it came from because my chase account is closed. I called my other back XXXX  and asked if they received the money. XXXX  said they do not have the money. I called chase and told them XXXX  said no money bounced back. Chase kept insisting that my money went back to XXXX. I called chase again and again throughout the month of XXXX. Once Im told the money went back, next week i was told theyre disputing the transferred money I sent. I spoke to many different people at chase customer service and every time I called they told me theyre either disputing it now or it was disputed or it got bounced back. 
About 2 weeks ago I spoke to another individual at chase and he told me my money was sent to me by mail as a cheque after deducting {$42.00} because my old account had a negative balance. I told the representative I did not receive any cheque and what should I do to cancel the cheque. He told me to go to the bank in person and ask them to cancel the check. Today, XX/XX/XXXX, I went to chase bank and the people at the branch told me they cant help me because the branch did not issue the cheque and I have to call customer service. I called customer service and after I explained the situation and told them Im at the bank, they put me on hold for about 30 minutes, after collecting all my information. I never got any help Later the bank gave me another number to call. I left the bank and called the number for help. This time the representative told me I have to go back to the bank and have them call a number. She gave me the number and it was the same number the branch gave me and told me to call for help. 
Im not receiving any help from chase to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received the following offer from Venmo : Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. 


I spent {$500.00} but didn't receive {$50.00} bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: PA

Complaint narrative:
I deposited {$60.00} to my NetSpend account from another bank which is also mine. Netspend randomly and FOR NO REASON removed my access to this account and I can not login. XXXXThey asked me to send my license to them to prove my identity. I sent my drivers license and now they want my social security card and I am not sending it. I want access to MY ACCOUNT AND MY MONEY IN IT - ASAP '

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 2022-09-02 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: MIDFIRST BANK
State: MD

Complaint narrative:
During XXXX, I was placed on the FHA COVID Forbearance program via Midland Mortgage because of income loss during the pandemic. I was told while on forbearance, therell be no negative reporting on my credit report. XXXX  forward to XXXX, I recently found a job that will help me pay my mortgage and was advised by Midland to apply for a partial claim to cover the balance thats in forbearance, in addition, while awaiting approval for the partial claim I will not be subject to negative credit reporting. I received the partial claim package on XX/XX/XXXX with a submission deadline of XX/XX/XXXX. 

On XXXX XXXX, I received notice from XXXX that I was reported for being over 120 days late on my mortgage. Please keep in mind that I was told continually that there wouldnt be any negative reporting during this whole process. So, I called the mortgage company to inform them of the issue and they said the decision to report the negative rating for the forbearance period was by the credit bureaus. They ( Midland Mortgage ) also said that they didnt send negative information for them to report. I contacted XXXX on XXXX XXXX and they stated it was Midland Mortgage that reported my account late. 

Unfortunately, no one is able to assist or willing to investigate the issue. Please see attached documents from Midland indicating forbearance and negative credit reporting protection.

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 2022-09-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( Account, 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 non-monetary relief
Consumer complaint received 2022-09-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( Account, 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 non-monetary relief
Consumer complaint received 2022-09-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want a copy of my criminal background report from XXXX and Experian. Pursuant to Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. That means I am entitled to a copy.

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 2022-09-02 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:
Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name XXXX XXXX XXXXXXXX 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.

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 2022-09-02 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: AL

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

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, XXXX, XXXX and Equifax to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on XXXX a total balance of {$8400.00}. 

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 instruction. 

XXXX, XXXX and Equifax has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AL

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

XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score. Multiple times I have contacted XXXX XXXX, Experian, XXXX and XXXX to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXXXXXX XXXX  reports on Experian a total balance of {$8400.00}. 

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 instruction. 

Experian, XXXX and XXXX has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date. On XX/XX/XXXX, I requested for an MT103 from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the MT103 was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me. On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this. On the MT103, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX Bank based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022 I was scammed by an " XXXX '' support tech. He was very knowledgeable and was able to log into my phone ( take over ) walking me through all the steps. He told my account had a charge of {$990.00} which I did not do. He said someone hacked my phone. He walked me through all my accounts to fix them. He said I needed to log into my Chase account and submitted 2 XXXX payments. The first payment was for {$490.00} and then he actually reimbursed me that. ( Got my trust ) then I sent 2 {$990.00} payments to him. He also stole {$400.00} from my cash app.He also tried to make purchases from my XXXX but that did not go through. He also told me to go to the grocery store and buy 2 XXXX gift cards for {$500.00} each. He would enter in the codes for me and I would get reimbursed on my XXXX account. He stole that as well. He text me from a number and we were texting back and forth trying to fix my phone as well as on the phone. I am so embarrassed I fell for this. I submitted a claim with Chase and they denied my claim because I authorized it. I thought i was just doing a " test '' on the phone with the scammer. ChaseXXXX should reimburse me and will fight this. I have been a long term Chase customer. I desperately need your help! Please and thank you!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX acct # XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX 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 has violated my rights. 

15USC 602 states I have the right to privacy.

15 USC 1681 section 604 states a consumer reporting agency can not furnish account information without my written consent.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Almost years after the last late payment all three agency are reporting the above mentioned late payments and using it as leverage to wether or not I am extended credit and at what interest rate.

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 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: CA

Complaint narrative:
I was denied an extension of my own credit, by CARMAX and XXXX XXXX XXXX back in about mid XXXX. This Adverse Action is due to them demanding an illegal down payment on a consumer credit transaction after taking my SSN # and processing as well as approving my loan.

Company response to consumer: Closed with explanation