vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: FL

Complaint narrative:
This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 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 instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2022-01-22 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:
This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 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 instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: AL

Complaint narrative:
First Attempt : On XX/XX/XXXX, I mailed Experian at XXXX XXXX XXXX XXXX, TX XXXX, a notarized affidavit informing them that several accounts on my credit report were invalid and that 2 of the accounts did not belong to me. This letter was sent certified mail I asked them to verify the information and delete the invalid accounts. 

Experian sent an automated response via my application stating the accounts were indeed valid and belonged to me and that they would remain on my credit report. This was received on XX/XX/XXXX Second Attempt : I gather my full credit report and printed out a copy of my credit report with all 3 bureaus. I highlighted all the areas on my report that made the accounts invalid. I also wrote another letting asking them to provide me with a description of the method and investigation procedures for the accounts. I again, asked that they delete the invalid accounts. I mailed them all this information certified mail on XX/XX/XXXX Experian sent another automated response to my request and did not forward me the investigation information I requested which is a violation of the FCRA. this was received on XX/XX/XXXX Third Attempt : My main issue is with the one charged of account. Not only does this account report inaccurate information, but it also does not even belong to me. I sent a third letter again pointing out the inaccuracies in the report as well as asking them to provide me with documentation from the credit showing my signature to be obligated to pay the alleged charged-off account. 

As I have never signed an agreement with this company nor had an account with them, Experian was of course unable to provide me with this information. Instead, they updated the account by changing the date reported. This is another violation as they had previously confirmed this account was valid twice but on this third dispute, they found an error, and instead of acknowledging the other inaccuracies I pointed out and failed to provide me with proof that the account belongs to me, they update the account. 

I am making a final attempt to have them clear this matter up which is why I am filing this complaint. My next step will be a small claims suit against the company

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 2022-01-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/PPC : Yes this account is closed per my request as I rarely used Paypal Credit . I am showing a late payment ; however, I sent them a report showing that I had Covid and they granted me to pay a week later, payment was made a week later and Paypal stated they would not affect my credit due to Covid. I NEED THIS LATE PAYMENT REMOVED IN XX/XX/21.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2021, I was the victim of check fraud on a check written from my Chase Bank. Despite weeks of calling and emailing Chase, they have refused to confirm that they are investigating it having sent me several forms but continuing to tell me that the claim is " closed '' without any promised investigation. I have been stymied and lied to throughout this process by Chase. 

Here is a summary of my efforts just to talk to the fraud investigator : ( 1 ) In XXXX of 2021, I called to file a complaint as soon as I learned of the fraud. ( 2 ) Their website said to call. ( 3 ) When I called I was told that a complaint form could only be mailed to me, and then I should return it. ( 4 ) As soon as I received it, I completed the form, got a declaration from the intended payee that they did not receive it, then turned in the form and evidence by US Mail and Fax as instructed. ( 5 ) Since then, they have sent me two more form letters stating that they did not receive the form. ( 6 ) They have sent me a form letter stating that the claim was under investigation on XX/XX/XXXX, but then sent me the same form letter on XX/XX/XXXX stating that the claim was closed. ( 7 ) I called numerous persons, all of whom said they could not help me at all. I have no idea where the claim stands and no one will call me or explain what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
In XXXX of XXXX XXXX XXXX flagged my credit with a medical debt from a hospital Ive never attended or heard of. I disputed the bill as fraud and contacted the collection agency. After about 2 months or less the debt was removed and i assumed removed as fraud. I filled a fraud complaint with the FTC and reported the issue to the police department. In XXXX of XXXX the debt was reported back on my credit credit through a company called XXXX. Ive reached out to XXXX about the debt however no one answered or returned my phone call. Ive disputed the debt several time this year, i also filled another claim with the FTC and the police. However the issue still isnt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as a Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX XXXX XXXX XXXX! As I am in the process of seeking legal action. This must stop!

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 2022-01-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/22 I received a notification from Experian that XXXX XXXX XXXX made a hard inquiry on my credit report. I Did not apply for credit, I did not authorize this inquiry nor do I have any reason for any company to be accessing my report. After some research online to try to find out who this company is, it seems they are a scam company and no proof found anywhere that a real company by this name exists. Attempted to call # listed on inquiry and doesnt work. XXXX  address and no business there. There are multiple reports online and at the XXXX where other people state they have had the same thing happen to them and have received calls trying to obtain information and money from them. I contacted Experian to have it removed and they refused but did add a fraud alert and froze my credit. Oddly/coincidentally, this same day I received about 6 calls for a person whom I do not know and is not me.

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 2022-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: GA

Complaint narrative:
I have been calling Carmax Auto FinanXXXX for the past 6 months requesting a payment deferment due to contracting XXXX in XX/XX/2021 which left me in critical but stable condition 4 months due to my XXXX  XXXX and XXXX  XXXX XXXX. Then I contracted XXXX again in XXXX. I have requested more than once for Carmax to provide me at least a 3-month deferment to allow me the opportunity to catch up my payments but they keep stating that they don't offer any COVID relief options. I spoke to one representative that told me if I pay the 2 months past due that they may be able to defer one payment. So, I used my utility funds to make the two payments and then I called and spoke to a different representative, and we went through the processing of deferring the payment but the next month, Carmax still reported my payment as past due. Now, they are showing 3 past due payments on my credit report and harassing me with phone calls 4 or 5 times a day. It is ridiculous when I already explained that I need to defer some payments so that I can catch up. If I had {$780.00}. There is no point in them harassing me throughout the day with phone calls when they have been told more than once that I don't have the funds at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX with no success. I have return REGISTERED MAIL receipts from the company. They have not responded with the information requested. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract for a consent between Transunion and I the Consumer REMOVE XXXX XXXX! As I am in the process of seeking Legal action. This must stop!

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
The bank locks me out of my account for putting in proper login information and password. When there website continues to crash and not accept the login token because its not compatible with XXXX or XXXX. When you get sent the sms text the web browser crashes. Then I repeated this three times and the website kept crashing When thru the website reset process. It required me to login, put the account password, enter my social security number and then my debit card number and pin number. The website had all the correct information and i am still being locked out by the M and T Bank. 

When I called customer service. I got a rude male representative who was not willing to go thru the steps to unlock my account and demanded to have some sort of power control over me. By accusing me of things that where not true. Then he wanted me to acknowledge him in a power control way and when I repeated to him are you going to help me unlock my account or not her refused several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I want TD Auto Finance off my credit report all together. This is Unauthorized and unverifiable. According the FCRA this account is unauthorized and it must be removed asap or Im filing a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: TX

Complaint narrative:
XXXX XXXX : This is my fathers credit, XXXX XXXX XXXX. I am XXXX XXXX XXXX. Two different people, THIS IS NOT MY ACCOUNT AND NEVER WAS! REMOVE FROM MY CREDIT REPORT PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Social Finance, Inc.
State: VA

Complaint narrative:
I received a credit card/ mobile banking card that I did not apply for. This account was Open without my authorization. The company has several different address on the credit report SOFI Lending Corp phone number XXXX I did call them And asked for a copy of the application and they refused to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: CA

Complaint narrative:
In about mid 2021, I attempted to make an XXXX purchase through the PayPal service. I was unable to make a purchase most likely because I was using a XXXX service that triggered a fraud detection. This was a common issue with other websites and was resolved by temporarily turning off the XXXX. People around the world legitimately use XXXX services without any nefarious intent, but rather for security as was I. 

My PayPal account would become permanently limited without explanation. Instead of going back and forth with PayPal, my preference was to simply delete my data and close the account. I did not want my information out there in case of a data breach or hack. I do not concerned that PayPal would not sell or allow my information used on their site. That is not enough. I do not trust their cyber security and neither should anybody else. We each are responsible for our own security in this era of cyber hacking. 

PayPal is not justified refusing me to delete my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: FL

Complaint narrative:
Experian responded to the Consumer Financial Protection Bureau ( CFPPB ) in complaint number XXXX on or about XX/XX/2021 that my personal credit report would be mailed to me as requested. Further, Experian advised that it would take up to 10 days to receive the mailed report. Now, 4 weeks later, I have yet to receive the Experian credit report. However, for the record, I have received my credit report from both XXXX and XXXX, which was requested at the same time. Therefore, Experian should expedite this past due request.

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 2022-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/21 around XXXX, I received a fraud alert text form a number posing to be Wells Fargo XXXX when I responded no ( as in No the transaction being put on fraud alert is not me ) I received a call from XXXX, with a person claiming to be a Wells Fargo fraud center rep, who advised me I had multiple fraudulent XXXX transactions being pulled from my account. They then proceeded to explain I needed to go into my mobile banking and sign on to XXXX, create myself as a recipient and give them the code, so they can receive the money being pulled out and send it back to me. I asked why they could not just stop the transaction, and was advised because XXXX is a third party app, they were not able to do so. Therefore I proceeded to comply thinking I would just stop the money from being fraudulently taken from my account. Once the transaction was completed, they hung up on me. It was not until after, that I realized they swapped one number out from Wells Fargos XXXX number ( XXXX ). I immediately called my bank an filed a fraud claim and asked if they could stop the transaction and refund my money. After multiple phone calls to check on on my claim status, Wells Fargo advised me they Do not guarantee goods and services through the XXXX app, and denied returning my money. I have now lost {$3000.00}, that I will never see because I trusted my financial institution. I believe this is a violation of the electronic funds transfer act/regulation e, and am trying to find a channel where I am pursue resolve. I hope the cfpb can help me. 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 non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Made a report last year XXXX to Bank of America because of an unauthorized fraudulent charge made on debit card account in the amounts of XXXX & XXXX. I received the money back after calling them last year but I checked my account again few weeks later and it seems they placed temporary reversal on it when I needed the money most to pay for school textbooks.

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