vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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 Re : Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Model : XXXX XXXX VIN # XXXX 15 U.S.C 1681 States I have the right to privacy 15 U.S.C 1681 States without my written permission or instruction a consumer reporting agency does not have the right to furnish my account The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

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 2023-04-11 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: WI

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and saw inquries that I did not authorize on my credit report. XX/XX/XXXX I called EXPERIAN, XXXX, XXXX INDIVIDUALLY ) each finally reaching live person ; who ALL in different ways ; stated that I needed to dispute my concerns with the ( original ) Creditor Personnel prior ; before they were able to remove these unauthorized inquries off of my credit report that I NEVER authorized from the beginning. With that being said, I started that process. Finding ( s ) information sold and brought and placed to my consumer report via 3rd party sayings-UNVERFIED. Finalized the process by contacting every creditor mentioned on each Individual bureau ( XXXX, XXXX AND EXPERIAN ) as they were listed on each individual credit report pulled. 
XX/XX/XXXX I then sent letters to EXPERIAN, XXXX, AND XXXX ( INDIVIDUALLY ), letting them know that I didn't give them permission to furnish this information. Understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately ; my consumer and privacy rights are being violated. I've demanded they be removed within 15 days ; if they couldn't produce any proof or evidence that supported their reason for those inquiries. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681B ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information related to a consumer to any consumer reporting agency if- ( i ) the persons has been notified by the consumer, at the address specific by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact, inaccurate.

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for their wrong doings of this. 
XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX XX/XX/XXXX confirmation of last letter received by EXPERIAN dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX dispute department at 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 2023-04-11 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: Global Lending Services LLC
State: MS

Complaint narrative:
I applied for a car loan through XXXX  XXXX and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company XXXX  XXXX in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was XXXX  XXXX, and also XXXX XXXX the rest I had Absolutely no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
I need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Chime Financial Inc
State: FL

Complaint narrative:
I purchased a router from XXXX XXXX on XX/XX/2023 that was supposed to come with a 30 day free service. On XX/XX/2023 XXXX charged me {$110.00} for one month of internet service when my router was delivered. The service was not good so on XX/XX/2023 I contacted XXXX to cancel my service and return my router. I was assured by XXXX that I would get a full refund for the router and the internet service. 
I returned my equipment on XX/XX/2023 and it was received by XXXX on XX/XX/2023 via certified mail with signature required. On XX/XX/2023 I was charged {$110.00} for another months internet service- even though I had already cancelled my service on XX/XX/2023. I disputed the charge with my credit card company Chime XXXX XXXX, I also notified XXXX that the charge should not have been made as my service was already cancelled. On XX/XX/2023 I received an email from XXXX stating that they were refunding the charges for the router and the monthly charges. On XX/XX/2023 a credit for {$110.00} for the XXXX charge was issued on my Chime XXXX XXXX card. XXXX said on XX/XX/2023 at XXXX that they could not refund the XXXX charges because it was disputed by my bank. Chime says everything was refunded by XXXX on XX/XX/2023 in the amount of {$110.00}. No matter what I say or try to explain to either company, even with all of the conversations and invoices I have, neither company wants to give me back the {$110.00} from the XXXX invoice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
In accordane with the fair credit reporting act convergent account CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX FNBK XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 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 took more than 30 days to complete my investigation

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 2023-04-11 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: CA

Complaint narrative:
In accordane with the fair credit reporting act convergent account CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX XXXX XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 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 took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently I checked my three credit reports for the first time in over five years. 

I noticed a late payment reporting on my Capital One credit card account to the three credit reporting agencies for XX/XX/XXXX, which is inaccurate. Because of my XXXX illness and the shelter in place restrictions here during that difficult time, I contacted a Capital One representative by phone to explain my situation about my late payment. At that time there was an agreement made to have any late payment reporting for XX/XX/XXXX waived from my credit history, and instead reported as an on time payment by Capital One. Now I see Capital One never honored our agreement made by phone in XX/XX/XXXX. 

The CARES Act, which was signed into law on XX/XX/XXXX, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis. Under the amended FCRA, if Capital One made an accommodation to me because I was affected by XXXX during the covered period, Capital One must report my account as current to the credit reporting agencies. 

Additionally, I would like to share that I have been a Capital One cardholder since XX/XX/XXXX, and the only negative mark on my payment history with Capital One since that date is for the XX/XX/XXXX period. Furthermore, this dispute with Capital One is the only negative mark that appears on my entire credit history. 

Be aware that my Capital One account has a credit limit of ( {$500.00} ), which is less than 1 % of my entire revolving credit limit ( {$51000.00} ) involving twelve creditors. I find it extremely disheartening that one creditor ( with such a small representation of my overall revolving credit ) has damaged my credit for more than two years because they neglected to honor our agreement made during the XXXX crisis. 

I recently contacted Capital One by writing to resolve this matter and their generic response ( attached ) was that their late payment reporting for XX/XX/XXXX is accurate. No mention was made in their findings about the life changing XXXX restrictions and issues we all faced at that time, and they did not acknowledge our agreement made at that time regarding my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was scammed for a total of over {$800.00}. Chime bank refuses to give me my money back. I have been opening claim after claim since XX/XX/2023. I was scammed from a social media site. I called let them know I was scammed and never got my product and this is steady being denied. I even submitted documents as well to verify this information after I was blocked from making contact with the person who was sent the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I inherited a house when my father died. I was not aware that there was a small home equity loan with Bank of America. I was not contacted for 3 years regarding this loan despite BOA having all of my information as the beneficiary of my fathers trust. When I was finally contacted the house was in foreclosure. I tried to pay the loan right away. I have diligently been trying to pay this loan for the last year. I have run into one roadblock after another from Bank of America. Most of these have been as a result of BOA not providing accurate information to me or by BOA mailing information to the wrong address even though each and every phone call begins with me confirming my address. I have gone to the bank 3 times to wire the money and each time the information I was given was incorrect and I was not able to wire the money. In the time I have been working on this the amount I owe has increased by {$4000.00} in fees and interest. I believe they are delaying this to get more money from me. I have stacks of documentation as proof and there are hundreds of recorded phone calls initiated by me attempting to pay this bill. I have even contacted the local BOA branch and was told I can not pay the money there. I am asking for assistance in getting the added fees and interest removed and in settling this debt be me paying 80 % in a lump sum. I offered to pay 80 % of the loa as a settlement in a letter but BOA put up road blocks by requiring more and more information from me and offering no assistance in making a settlement. I have been in contact with the borrower assistance team at the law offices that BOA hired, most recently today, and have requested the reinstatement amount and information regarding where to wire the money, but the response continues to be that as soon as they have the information it will be mailed to me. Each day that this is delayed is costing me more money and that does not seem fair as the delays are not on my end. I do not know where to go from here and am asking for any help available. 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 explanation
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
I need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.

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 2023-04-11 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: TX

Complaint narrative:
I need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.

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 2023-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received 4 letters from my Citibank with the same writing and reference number ( XXXX ) regarding my 4 accounts there, and it says based on our policy we reserve the right to close your accounts at any time and they gave me till XXXX to move my money before they close my accounts. 
Two of my accounts are 12 month CD which if I close them have to pay penalties for that reason I called Citibank to let them know that they want to close my account I should not get charged since is not my choice, but they are insisting to charge me for early withdraw. 
To me is a kind of fraud to keep the customer money for several month and for no reason force them to close it and charge them too. 
today I spoke to their agent and his supervisor both did not give me their full name just the first name XXXX and XXXX and the number I called XXXX my branch address Citibank XXXX XXXX XXXX XXXX, ca 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 2023-04-11 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-12 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/2023 : I purchased a monthly subscription on XXXX for {$8.00}. On XX/XX/2023 both my debit and XXXX credit cards were charged {$1200.00} on XXXX through Paypal. The charge on my debit card was stopped by the bank but the charge on my XXXX card was processed. 

I immediately closed the corresponding XXXX  account. I contacted Paypal to cancel the subscription and open a dispute. On XX/XX/2023 Paypal sent me an email stating that case ( ID # XXXX ) was denied because the purchase is not covered under the terms of Paypal Purchase Protection. 

XX/XX/2023 : I contacted XXXX by email, I couldn't fine a phone help line for them. I included the invoice ( # XXXX ) I received for {$1200.00} and explained that this was a fraudulent purchase. I contacted XXXX and reported the fraudulent charge. 

XX/XX/2023 : XXXX applied a temporary credit to my account and started their investigation. They explained that it may take approximately 30 days to resolve. 

XX/XX/2023 : XXXX notified me that an unauthorized party may have accessed my account and that they have assigned me a temporary password. An order ( # XXXX ) for {$200.00} to be sent to an unknown address was attempted. I reset my login credentials and removed all saved payment information from the site. 

XX/XX/2023 : XXXX ( XXXX ) replied stating that all sales for digital content are final and non-refundable. I reiterated that I did not make this purchase and it was a fraudulent charge. They replied by stating that they couldn't find any evidence that these transactions were unauthorized or that my account was compromised. 

The monthly XXXX  subscription for {$8.00} that I purchased on XX/XX/2023 looks to have been the catalyst for the entire series of events that have since transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts Progressive Management Systems XXXX XXXX XXXX {$690.00} Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or Inquires 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation