vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: MI

Complaint narrative:
XXXX issued credit in the amount of XXXX apparently using my identity in XXXX. In 2020 XXXX then charged off the entire amount for no payment and then reported it against me on my credit report lowering my credit score from XXXX to XXXX which is the only way I became aware of this fraud. I touched base with trans union to report this fraud to do an investigation. Let me be clear, I have never done business with XXXX and never been in the military which is apparently a requirement to do business with 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 2022-06-07 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 XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They say I opened an account on XX/XX/2021 with a balance of {$7100.00}, but I I have never signed any contracts or documents opening anything I would like to see the full contract saying I opened this with them and a full un-redacted purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 XXXX  Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 XXXX, Account # XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I received an A message that I was very late on my credit card payments and to contact them right away to get this resolved I didnt get on their website that they gave but my husband did call the phone number and it was an exact to the T recording of the banks recording when they call you and ask for my credit card information and my bank information to withdraw the money to get my account up-to-date the website was http : XXXX? XXXX phone number XXXX I have been scammed before and it was very devastating I want to thank you for the work you do to try to catch these people God  bless 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
Consumer complaint received 2022-06-07 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 XXXX XXXX XXXX, Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 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 XXXX XXXX XXXX  Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I open the online banking and the Bank Credit card tells me I owe money {$560.00} or something like that and it says my account is closed. Can I sue the Band Of America? 
I called them twice and the said I did not owe money and the account is open.

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 2022-06-07 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 XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX the following charge appeared on my Coinbase Card : {$13.00} Merchant : XXXX  Date & Time : XX/XX/2022 XXXX XXXX Asset : USD Coinbase fee : {$0.00} Total USD : {$13.00} I contacted support via phone and email on XX/XX/XXXX and XX/XX/XXXX. Phone support assured me they would investigate. Email support seems to have no record of this. In addition, they asked me for more information. All of this information was already provided in the first email, the phone conversation, or obvious from context. For example, I informed them in the first email ( and on the phone ) that the card was in my possession. Or, regarding whether this was a recurring charge or I tried to resolve it with the merchant, I don't know who the merchant is ( and certainly couldn't figure it out given the paucity of information they provide in the statement ) and it's obviously not a recurring charge, since I don't even recognize the charge. Every time this happens with a reputable card issuer, a refund is issued while the investigation occurs, but they have told me it could take 90 days. Given their stalling tactics, I would like the clock to at least start from the point of first contact, XX/XX/XXXX, if they do in fact have 90 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My mom filed a complaint yesterday but the payoff request is in my name. 
Refinanced my joint car loan from Financial to XXXX  XXXX XXXX XXXX. Purpose lower rate and remove my mom from the loan around XXXXThe payoff letter was sent to the credit union with Mazda Financials ' address. The credit union sent it to Toyota Financial in XXXX XXXX, Illinois. They negotiated the check on XX/XX/2022. The check cleared the credit Union on XX/XX/2022. The reason why XXXX sent the payoff to Toyota is because my purchase paperwork stated Toyota was the Lienholder. My mom called Toyota on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They can't locate the check where it went. It was negotiated through XXXX. My mom called Mazda Financial on XX/XX/2022. Mazda Financial opened a case, I was warned that this may not work, but they will try and get the funds transferred over. As of today no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XXXX I posted a table on XXXX XXXX XXXX. I was messaged by a man who was interested in purchasing my table for his son. He asked if he could pay me through Zelle and I said yes. We agreed on {$50.00}. 

I gave him my Zelle QR Code and my email. After a few minuets I received an email from Zelle saying that the transaction was not approved because I didn't have. " business account ''. He asked for a screenshot of the email, I sent it to them, and he said he has done this before. The email stated that I I had to participate in a transaction of {$400.00} in order to become a " business account ''. So the man said he was going to transfer me {$450.00} via Zelle. After a few minuets I received another email from Zelle saying that his transaction came through. 

I immediately transferred him back {$400.00} ( so that I only profited {$50.00} ). As per the email instructions, I sent a screenshot of the transaction to the Zelle email. He told me to let him know when I received the fund in my bank, after a few minuets nothing happened and I knew I had been scammed out of {$400.00}. 

I have screenshots of the email and the messages as proof of everything. 

I reached out to XXXXXXXX XXXX  multiple times. Twice on XXXX but they said they couldn't help me since the transaction was still pending. I called again the morning of XXXX and they said I could submit a dispute via online but because Zelle is like a cash money transaction that it's unlikely that I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am the executor for my Mom 's estate, prior to her death in XXXX I had PNC add my name as POA to her accounts ( they accepted documenation ). Earlier this year I opened an estate account ( they accepted documentation ). Went on XX/XX/XXXX to get a 12 month mortgage history and a payoff of her Home Equity loan since we are selling the home. PNC back office requested the same paperwork used to open the estate checking account ( which branch had in their file still ), branch personal faxed those papers ( have fax confirm ). They said it was a XXXX day process, on XX/XX/XXXX I received a letter from PNC dated XX/XX/XXXX that they needed they some of the same docuemntation which was successfully faxed to them on XX/XX/XXXX by PNC branch personnel. I have since managed to document the past 12 month payment history on my own, all I need is a payoff of the Home Equity so I can sell her home from her estate. I have been in various XXXX XXXX XXXX XXXX since XXXX, my Mom and I have had accounts at PNC for over 25 years. The branch had all the needed paperwork in their pocession since estate account was opened. It takes XXXX seconds to provide a payoff statement. I am embarrassed that a bank can be so messed up and not trust their own branch personnel to handle a simple payoff request. ( branch had all requested docs and they processed fax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 _XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The complaint below was sent to Equifax, XXXX and XXXX in XXXX. So far XXXX and XXXX did their part. Equifax has not responded about the status of my dispute with XXXX card. Nor can I get into my Equifax account online. I want this XXXX card removed from my credit report. Theres a 30 day late mark that should not be there due to fraudulent activity with this credit card. XXXX failed to send paperwork for dispute that I put in which, I did inform several XXXX reps. I want this 30 late mark removed from my Equifax report **previous dispute below** XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank accepted a XXXX payment sent to me and the bank wont release my funds to me. Gave me the run around for 5 days

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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Several attempts have been made by the account holder to close the HSBC account. A letter, signed and dated ( XX/XX/XXXX ) with two ( 2 ) forms of identification was submitted to the Legal Paper Processing department of HSBC per their instructions. The letter requested a address change and the account be closed with proceeds sent to the new address. 
When no response was received a second letter, signed by the account holder and dated ( XX/XX/XXXX ) was sent again requesting an address change and closure of the account. [ both letters attached ] When there was still no response and following additional conversations with HSBC representatives, a complaint was filed with the New York Department of Financial Services acknowledged on their letterhead dated XX/XX/XXXX. [ attached ] A response dated XX/XX/XXXX was received from HSBC acknowledging receipt of the XX/XX/XXXX letter for change of address, but not for account closure. Interestingly, both requests were made on a single page of paper, signed and dated by the account holder. The HSBC response also required a POA ( irrelevant since it was the account holder, not the POA, making the requests ). [ POA attached ] The response also suggested follow-up be made with their customer service department. 
This was done resulting in HSBC accusing fraudulent involvement of family members and maintaining failure to follow their customer 's written instructions. [ correspondence attached ] This treatment by HSBC against an elderly customer of over 20 years is unacceptable. 
Unfortunately, punitive damages are not possible in a case of this nature.

Company response to consumer: Closed with explanation