vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXX, # XXXX, # XXXX, # XXXX 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB Write up n 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 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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Write up n 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business since this month of XXXX. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am at the end of my Lease with a vehicle through Ally Financial. They have given me a buyout amount in my lease contract ( to buy the car ) and quoted me through their customer service team. I have been approved for financing through my credit union, and Ally Financial refuses to send the proper documentation to my credit union so I can complete the buyout. They have only given me the option of financing the buyout through them ( XXXX ) at a much higher interest rate than my credit union, paying cash, or going through a dealer. The dealer option has dealer fees associated with it, and the payoff is higher than the quote I got from Ally ( dealer buyout is different amount? ). Ally will not allow me to use a lender of my choice, and are forcing me into a loan for this car that is not reflective of my credit. 

My Credit Union approval was for {$24000.00} at 2.75 % APR for 60 months XXXX XXXX ( Ally 's company they will let me finance through ) approval was for {$24000.00} at 4.49 % for 60 months The dealerships said they can match my credit union rate, but have a $ XXXX document fee, and a higher buyout ( {$2500.00} higher ) from Ally Financial than what I have been quoted. 

I have a chat transcript from Ally on XX/XX/11 that states they will not send the lease buyout documents to my credit union or any 3rd party for that matter.

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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things to my credit report. To this day over 30 days later I have not received a response yet. I feel I am being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress it has caused me. The credit bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They are charging me some credit card charges and from a company called XXXX, where I am not responsible since they robbed me and I made the police report, they stole my ID, my cards and some cash

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Notice sent to XXXX, Experian, and XXXX regarding XXXX XXXX XXXX in the amount of {$680.00}. Inaccurate information has been reported with no resolution within the month of XXXX as well as the month of 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 2022-05-16 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXX, # XXXX, # XXXX, # XXXX 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by Trans Union, XXXX, and XXXX as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All XXXX hard credit reporting by the XXXX bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX XXXX XXXX XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law. 

4. XXXX XXXX balance paid in full with no balance.

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 2022-05-16 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: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I checked my credit report on XXXX this morning and noticed I had a hard inquiry from cash central that I have no knowledge of, this is very much fraudulent activity that I am not responsible for and need it taken off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: OK

Complaint narrative:
I have tried SEVEARL times getting this FTC report to XXXX, XXXX and Experian. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.

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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
They are charging me some credit card charges and from a company called XXXX, where I am not responsible since they robbed me and I made the police report, they stole my ID, my cards and some cash

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 2022-05-16 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX  XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number 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 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 2022-05-16 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: NC

Complaint narrative:
I have a few fraudlent hard inquiries on my Transunion and XXXX report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : Transunion XXXX XXXX  XXXX 2 hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXXXXXX XXXX 2 hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to 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 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
XX/XX/2022 I tried to send money to XXXX XXXX with XXXX through my USAA Federal Bank Account. I received a failed transcript for {$1000.00}. On XX/XX/2022 I sent {$400.00} which showed as delivered. On XX/XX/2022 I tried four times to send the {$1000.00} transaction again, but received a message of payment failed. On XX/XX/XXXX, there was a transaction delivered for {$1000.00} to XXXX XXXX. 

However, USAA withdrew {$400.00} on XX/XX/2022 and XX/XX/2022 for {$1000.00}. On XX/XX/2022 is when another transaction posted for {$1000.00} on XX/XX/2022 which was not there prior days before. My XXXX activity shows only TWO payment delivered transactions but USAA has paid out THREE times to the same account. 

USAA should be held responsible because on the APP the statement reads : XXXX and USAA do not offer protection for authorized payments, so money you send you may not be recoverable. 

However, USAA was not authorized to send an extra {$1000.00} to the XXXX XXXX. Therefore, they should be handle responsible for my lost income. The XXXX transaction does not show any extra payment, which means USAA sent that money without my permission. If that money was posted, I would have never tried to send it again. 

They tried to resolve by making the receiver responsible but ultimately they are at fault and told be my money could not be recovered with my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've sent in copies of my ID showing proof of my correct name which is XXXX XXXX XXXX. I've called as well. They finally changed my name on my credit report but they deleted the correct spelling of my name and added XXXX XXXX XXXX XXXX XXXX. I keep contacting them to correct this and have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX I recently obtained a copy of credit report and EXPERIAN is reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I have requested that they allow me to validate the alleged debt. To provide me a breakdown of all charges, dates of service, and procedures given including fees associated. 
Addictionally, I am allowed under the HIPPA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my requested is twofold and as follows ; Validation of Debt and Hippa Authorization -Please provide a breakdown of fees including any collection cost and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me To send this information to my mailing address listed above and accept this letter as my formal validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I requested FULL documentation of what they received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute : XXXX  XXXX  THANKS

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Notice sent to Equifax, XXXX, and XXXX regarding XXXX XXXX XXXX in the amount of {$680.00}. Inaccurate information has been reported with no resolution within the month of XXXX as well as the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MD

Complaint narrative:
I provided documentation and a request to the credit bureaus via USPS Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX 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 2022-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a few fraudlent hard inquiries on my XXXX and XXXX report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : XXXX Bank of America XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXX XXXX  XXXX hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to 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 non-monetary relief
Consumer complaint received 2022-05-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a few fraudlent hard inquiries on my XXXX and Equifax report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : XXXX XXXX  XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXX XXXX  XXXX hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to me

Company response to consumer: Closed with explanation