vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: CO

Complaint narrative:
To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 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. Accounts : 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 2023-05-09 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: CO

Complaint narrative:
To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 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. Accounts : 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 2023-05-09 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: CO

Complaint narrative:
We purchased flooring and installation from XXXX XXXX. The salesperson told us that we would receive discounts for mid-week installation, yard sign, and flexible scheduling. She XXXX she was not able to give us any receipt, other or contract as she had to get the discounts added in, and could not print in from her tablet, could email it from rhe tablet, but that the installers would bring it out. We agreed to be signed up for emails in the future. XXXX 's website states there shall be a {$300.00} discount for signing up for emails. We were told that the final contract and a receipt would be brought out to us by the installers. The installers brought no documents. 
After spending several months trying to get even the contract, we filed a complaint with Discover. Discover did not investigate the complaint. Instead they told us to file a XXXX  complaint. We filed with XXXX. XXXX did not respond to the XXXX  and the omplaint was closed. 

XXXX has violated C.R.S 6-1-105 ( 1 ) ( l ) which states, '' Makes false or misleading statements of fact concerning the price of goods, services, or property or the reasons for, existence of, or amounts of price reductions ; And CRS 6-1-105, 'which stateslFails to deliver to the customer at the time of an installment sale of goods or services a written order, contract, or receipt setting forth the name and address of the seller, the name and address of the organization which he represents, and all of the terms and conditions of the sale, including a description of the goods or services, stated in readable, clear, and unambiguous language ; Discover needs to do an actual investigation into the receipt issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXXXXXX XXXX Date of Inquiry : XX/XX/ 2Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2023-05-09 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: CO

Complaint narrative:
To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 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. Accounts : 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 non-monetary relief
Consumer complaint received 2023-05-09 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}, XXXX XXXX XXXXXXXX Loan Type : CHARGE ACCOUNT Balance : {$0.00}

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 2023-05-09 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:
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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is incorrect Personal information on my credit report

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 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Im a senior citizen and was sent a text from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. I was told for {$49.00} I can do a photo shoot and I could model. On XX/XX/2022 I went in for photo shoot. Then they take me in the office and said they like my photos and want to use them I have to pay {$5000.00}. I told them I couldnt afford so they went down to {$2000.00}. I gave a {$450.00} down payment and felt pressure in signing not realizing what I was signing. They wouldnt let me cancel the next day and they said I owe {$1500.00} additional. I didnt get the photos nor do I want them. They now sent bill to a collection agency and it has gone on my credit report. Its Monterey Collection service XXXX, Calif. I feel this company is taking advantage of senior citizens and I dont know what to do. I am XXXX XXXX XXXX. Can you please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
I like many other times, used Chime Bill Pay service to mail a check to make a payment. Like normal I submitted the payment to be mailed, about 2 days later I received an email stating that the payment had been sent. I few weeks had gone buy and I was getting calls from the lender saying that my account was past due. I was like how is this possible, I mailed the check in plenty of time. I contacted Chime to find out what was going on, and first they told me it was never sent, I told them I received an email stating that it was. Oh ok let me look into it further, I heard nothing for 4 days. I contacted Chime again, it was escalated to the dispute team. It's been sitting in the dispute teams hands for over a week with no movement. I endured a late fee from my lender because the payment wasn't received. I'm asking them to return my check amount and also pay the late fee as something obviously went wrong on their side and my payment wasn't sent. I have not received a response in 3 days. I keep contacting and get no where. This is absolutely ridiculous and un-acceptable! Once this is resolved I'm closing my accounts with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
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. 


Account name : XXXX XXXXXXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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 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.

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 2023-05-09 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: GA

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. 


Account name : XXXX XXXX Account NumberXXXX Account name : XXXX  Account NumberXXXX Account name : XXXX  Account NumberXXXX has violated my rights. Or list of inquiries 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 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.

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 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Dear PayPal Team, I am writing to appeal the suspension of my PayPal account which was recently banned shortly after I registered for it. As a first-time user, I am not aware of any policy violations or suspicious activity on my account that would warrant such a decision. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

I have not had the opportunity to use my PayPal account yet, therefore, I am confused as to why my account was suspended immediately after registration. I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. My account E-mail is XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
I have reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts? 
2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies? 
4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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:
I have reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts?

2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies?

4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
According to the response received on XX/XX/XXXX, from XXXX XXXX, complaint XXXX, you disputed my claims. You stated that an analysis was performed on XX/XX/XXXX, and from that analysis I had an overage. If I had an overage why was my mortgage payment increased from {$1000.00} to {$1100.00} beginning XX/XX/XXXX? In addition, how could an overage have been determined when my Property Tax had increased in XXXX to {$2800.00} due XX/XX/XXXX, and my insurance increased to {$1900.00} due on XX/XX/XXXX, none of which has been paid! This is a total of {$4700.00} due each year. When the money was taken from my Escrow, that left a balance of {$2300.00}, with a shortage of {$2300.00}, with only {$390.00} going to Escrow a month. The only reason that money was removed from my Escrow was to give XXXX XXXX cause to increase my mortgage payments, which you have consistently done for the past 2 years. The {$800.00} I added to my Escrow was to prevent the mortgage payments increase and ensure that I had enough money in Escrow to cover yearly payments. The increases you have added to my mortgage is done to cause a financial hardship and me to lose my home. In addition, a reputable company would never remove money from Escrow to justify payment increases. An escrow is not to be used for a company to make money off their clients and cause them to lose their home, it is only used to make property tax and insurance payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation