vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.The Credit bureaus stated my account was properly investigation but how is that possible if the monthly payment, date opened, balance terms, credit limit, past due, last reported, comments, Date last active, date of last payment etc last reported is not accurate. This ground for removal they also violated my rights under 15 USC 1681i ( 5 ) ( a ) ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and reinvestigation; and ( it ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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 Also the Credit bureaus has received my documents for dispute on XX/XX/2023 and have not sent out a notification to me as yet stating they received my documents and processed my dispute here is my certified mail tracking # 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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint myself. no one else is helping me this complaint is made by XXXX XXXX the actual human person. I noticed some accounts on my credit report that i never signed up for and so i need the identity theft removed.

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 2023-02-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent XXXX XXXX XXXX a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. XXXX XXXX XXXX has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with Equifax and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. XXXX XXXX XXXX was added to my Equifax report in XX/XX/2022 but I received the first letter from XXXX XXXX XXXX XX/XX/2022 so that doesn't make sense either. XXXX XXXX XXXX and Equifax has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TN

Complaint narrative:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 
XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXtransunionXXXX  XX/XX/XXXX XXXX XXXX XXXXtransunion/XXXX  XX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX CA -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XX/XX/XXXXXXXX XXXX XXXX  -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX XX/XX/XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXtransunion/XXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX -transunion/XXXX XX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXtransunionXXXX  XX/XX/XXXX XXXX -transunionXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -transunionXXXX XX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -transunionXXXX  XX/XX/XXXX XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXXN -transunionXXXX XX/XX/XXXX XXXXXXXX XXXX  -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX  XX/XX/XXXX XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunion/XXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXXXX/XX/XXXX XXXX XXXX -transunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtransunionXXXX XXXXXX/XX/XXXX XXXX -transunionXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX -transunion/XXXX XXXX XXXX XXXX XXXX XXXX XXXXtransunion/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 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I mistakenly initiated a transaction through Venmo to transfer {$1800.00} from my XXXX Checking account to my landlord XXXX XXXX. This was an overdraft which XXXX paid as a courtesy on my behalf. This was an ACH transaction with ID XXXX. Venmo attempted twice more in quick succession to withdraw {$1800.00} from my XXXX account for which I was charged two additional {$30.00} insufficient funds fees. Because the first transaction was successful neither of the subsequent transactions resulted in money transferred to Venmo. However, Venmo began showing in the app that I owed a debt for {$1800.00}, despite the funds having been withdrawn from my XXXX account. 

I have since spoken with 5 different Venmo representatives in the last 6 days. I provided the Venmo representatives with screenshots of my bank account, and the transaction ID provided above to assist them in finding the {$1800.00} Venmo seems to have lost. In the time since I opened this investigation, Venmo, despite my explicit demands on multiple occasions to multiple representatives to cease debiting actions, initiated a debit against my XXXX debit card for {$1300.00} ( the remainder of my outstanding balance with them after deduction of my in-app funds ). This transaction has caused me further financial harm and proceeded despite the open investigation I have with them into missing funds. It has been 14 days since the initial transaction, and 6 days since I opened my investigation and there has been absolutely no meaningful progress. Venmo is now completely unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: IL

Complaint narrative:
REMOVE THIS FRAUD ACCOUNT OF MY CREDIT AND FRAUD INQUIRIS GET DELETE 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 2023-02-15 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
THE BMW ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: FL

Complaint narrative:
Based on explanation you provided in previous complaint ( complaint is attached ), your financial institution stated on the record that you engaged in discrimination based on place of origin and my application for loan was denied based on discrimination. 
My original question of the complaint was clearly stated : If the Sallie Mae was engaged in discrimination. 

Your answer on record was : We do not discriminate against applicants regarding any aspect of the credit transaction on a prohibited basis. 

And I want to emphasize this quote : PROHIBITED BASIS this is word game, Because this is antonym of this word is PERMITTED, ALLOWED which leads us to conclusion that you still engage in Allowed Discrimination. 
My conclusion is : Yes I was discriminated based on allowed/permitted discrimination, but it doesnt change the narrative, because it is still counted as discrimination. 

Your actions is hurting my feelings, my well being and its violates United Nations Declaration of Human Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: SC

Complaint narrative:
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX, 2023 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-02-15 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX A PART OF 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 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % APR. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. 

A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/2022.

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 2023-02-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
* On XX/XX/2022, a fraudulent purchase totalling {$16000.00} was made using my JP Morgan Chase Amazon XXXX XXXX XXXX at XXXX in XXXX XXXX, XXXX Massachusetts. 
* I was immediately notified by the credit card company via email asking if this charge was legitimate to which I responded NO. This in turn closed the account, at which point the JP Morgan Chase issued a new card and sent it to me. 
* I received instructions from the company explaining that they were conducting an investigation into the charge and that I would receive further instructions and possibly a call from a Case Manager. 
* A case manager contacted me on XX/XX/XXXX, left me a voice mail to which I responded with a call back roughly 1 hour later. I was put on hold while the operator attempted to reach the case manager and after a long period of time, I was told that the case manager couldn't speak with me at that moment and that they would contact me later that day. 

I never received another call back from the case manager that or any other day. 
* I was notified via email that my case had been reviewed and that the purchased was deemed legitimate with no supporting evidence and I was now liable for this {$16000.00} purchase. 

*I 've since filed a Police Report with the " XXXX Police XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My supporting documentation includes the following : XXXX ) Snapshot of my XXXX Timeline from the date in question showing I never left home XXXX ) a copy of my XXXX XXXX  invoice from XXXX to XXXX - again showing that there was no travel on XX/XX/XXXX into XXXX XXXX ) a copy of the initial letter stating an investigation was pending We were in the city of XXXX on XX/XX/2022 for a show at the XXXXXXXX XXXX but we ate at a restaurant called the XXXXXXXX XXXX XXXX ( my transaction log shows that date ). We believe it was at that point I lost possession of my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
18 U.S.C 1028 No consent to share my information at all!!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-02-15 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have been facing with the credit bureaus. I have written multiple letters to the credit bureaus stating that I have been a victim of identity theft and that there are fraudulent accounts on my credit report. However, despite my repeated attempts, the credit bureaus have taken no action to investigate the matter or to delete the fraudulent accounts from my credit report. 

I believe that this inaction by the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ) laws. The FCRA requires that credit bureaus investigate any disputes raised by consumers regarding information on their credit reports, and that they must take steps to correct any errors or remove any inaccurate or fraudulent information from the report. 

Given that the credit bureaus have failed to comply with the FCRA laws and have not taken any action to remove the fraudulent accounts from my credit report, I am now turning to the Consumer Financial Protection Bureau for help. I urge the CFPB to take immediate action to ensure that the credit bureaus comply with the FCRA laws and delete the fraudulent accounts from 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 2023-02-15 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have been facing with the credit bureaus. I have written multiple letters to the credit bureaus stating that I have been a victim of identity theft and that there are fraudulent accounts on my credit report. However, despite my repeated attempts, the credit bureaus have taken no action to investigate the matter or to delete the fraudulent accounts from my credit report. 

I believe that this inaction by the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ) laws. The FCRA requires that credit bureaus investigate any disputes raised by consumers regarding information on their credit reports, and that they must take steps to correct any errors or remove any inaccurate or fraudulent information from the report. 

Given that the credit bureaus have failed to comply with the FCRA laws and have not taken any action to remove the fraudulent accounts from my credit report, I am now turning to the Consumer Financial Protection Bureau for help. I urge the CFPB to take immediate action to ensure that the credit bureaus comply with the FCRA laws and delete the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX we took out an Equity Line of Credit for Business with BOA using our home as collateral ( namely a second mortgage ). On XX/XX/XXXX I paid the final amount due of {$6.00}. I never received a release of XXXX letter. I contacted Bank of America and spoke with XXXX at XXXX on XX/XX/XXXX. She opened case ID # XXXX to find out why the lien was not released. XXXX XX/XX/XXXX I received an email from BOA stating they could not help me, that the loan had been sold to Loan IQ at XXXX XXXX XXXX, XXXX, FL XXXX. There is no phone number or contact person. BOA refuses to assist me in finding out where the loan they sold ended up. They NEVER informed me that they were selling the loan as the law requires. They refuse to assist me in getting the lien release that should have happened in XX/XX/XXXX. All my payments were mailed to BOA, XXXX XXXX XXXX, XXXX, TX XXXX, but there is no phone number or contact person. I need the XXXX released. The loan has been satisfied. Bank of America is refusing to help.

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 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Yes I have been trying to dispute discount over two months now and this is really becoming a problem The account was open due to fraud I never opened this account oh every time I dispute this with the credit bureaus they keep verifying it as accurate the only reason they keep verifying it is accurate because of an address or the address where they are verifying is accurate is a Fraudulent address so i dont know what to do I sent him proof that I dont live at that address I sent my ID my bank statements everything and they still verified it as accurate I fell police reports And under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they have to do a full thorough investigation that means everything and they havent did it

Company response to consumer: Closed with explanation