vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
for XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 )
Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2022-11-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account -XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX Account -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.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose

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 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I received my credit report from XXXX and disputed a collections account from XXXX XXXX XXXX on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called receivables performance management LLC from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the 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 2022-11-21 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: CA

Complaint narrative:
Hello, I have been trying to resolve some issues with Experian in regards and misreported information on my credit report. Experian has put negative and inaccurate language on my credit report affecting the other reporting agencies as well. This has impacted my livelihood negatively and stunted my acquisition of my rights to essential living requirements such as a home, car or extention of credit to increase my quality of life. Experian has violated the Fair Credit Reporting Act and should be penalized for their actions.

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 2022-11-21 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: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I have inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have two loans and it's giving a balance of {$99000.00} which is affecting my credit score. XXXX XXXX XXXX should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have two loans and it's giving a balance of {$99000.00} which is affecting my credit score. XXXX XXXX XXXX should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have two loans and it's giving a balance of {$99000.00} which is affecting my credit score. XXXX XXXX XXXX should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.

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 2022-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
The company contacted me via email letting me know that they were not able to take XXXX  payment because my bank account was no longer attached to their bank. I tried going to their app and it doesnt work I tried calling them theres no one to speak to they Refer you back to the app.. because the app is Inoperable I tried reaching out through social media XXXX there was XXXX person that said that he was a tech theyre not allowed to speak to people he said that he would contact them and they were con tact me through email they did they sent me a link to reset my password on a app that does not work I tried to contact them upwards XXXX times every time I email them it says that someone will get back to me and when they do get back to me probably a week later its through the email saying that they reset the password I contacted the XXXX XXXX XXXX to see if they could contact them they have XXXX complaints complaining of the same things that Im complaining about.. I would like to pay them off and be rid of them they have ruined my credit XXXX of my creditors have already lowered my Limits I want them to take the late payments off of my credit report and help me to redeem myself and I wan na pay them I want to be rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I Have Previously Resolved A Dispute Regarding fraud perpetrated against My Target XXXX XXXX. This Resolved Problem has now returned in my current billing statements. I Did Not Make these purchases. I Had A Prior Balance That Had Been Settled On. And I have recently spoken with XXXX from their fraud department. Her attitude was uncaring, firstly. A Massive American Retail Outlet Should Be Concerned On Behalf Of It's Patrons. I have been a victim of fraud : Then I Stated And Succeeded In My Defense and I Have Evidence In The Form Of statements issued by the company That Adjusted My Balance Appropriately and also several statements that show 4 different balances all sent within a 2 week period. I Also Have Payment Receipts And I Would Sincerely Appreciate Knowing The Origin Of these spirulous charges and newly inked illegments ( past or present ). As I Have Not Used their XXXX XXXX since XXXX of this year. Please Help. Thank You Very Much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: TX

Complaint narrative:
I received a letter from Prince Parker and Associates telling me that I owned XXXX from XXXX XXXX XXXX XXXX. 
I contacted XXXX customer service and they informed me that I didnt owe them anything, and told me to contact the Federal Trade Commission . 
The FTC in turn told me to file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NM

Complaint narrative:
Hello, this complaint is against Chime. My transactions were XXXX XXXX {$50.00} XXXX XXXX {$65.00} XXXX XXXX {$70.00} XXXX XXXX {$90.00} XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX {$8.00} XXXX XXXX {$100.00} XX/XX/2022 {$80.00} These transactions were made to XXXX XXXX and XXXX XXXX. XXXX XXXX was the event Planner for my XXXX XXXXXXXX. I signed a contract that would be effective XXXX, XXXX. Where it states that her and her team would be coming and decorating my daughters party. The only thing I received from her was invitations that she charged {$400.00} when they were {$340.00} she came to my house I have witnesses where she got paid cash for them. XXXX received {$180.00} from me. I got a call on XX/XX/XXXX from XXXX XXXX from XXXX XXXX phone saying she wasnt going to be able to do my daughter party due to an XXXX  I told him I was sorry not to worry. I let day go on and ask for my money from every single account including XXXX XXXX thats {$150.00} dollars she owes me from there as well. XXXX got upset and I have messages and recording where he told me he was sorry but he had nothing to do with anything but that he would try and see where my stuff was at. He then said he couldnt do anything. I asked for my money he got upset. I said theres a contract that states she would have a team regardless if anything happened to her. He said everyone is worried for her. I said I understand but I dont want to take this to court he then said he had no access to the accounts. Yet somehow he knew I was asking for the money back.. I started the disputes with CHIME and all of them were denied the disputes started since XX/XX/XXXX I have tried about more than 10 times to through e mails and calls to tell them to please help me get my money back. Today was the last call and e mail. I sent all the information to them but they just keep closing the dispute. They allowed me to get scammed. Like I said I only received the invitations and they were paid cash. I explained everything in detail to CHIME sent pictures audios but they dont care and dont help Im very upset. How many more people are they going to allow this to happen to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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:
Ive reached out to Transunion asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in two amounts totaling {$4500.00} and for {$740.00}. Transunion could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. Transunion more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a 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 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX is closed and it is a debt that I had in 2015 in which according to the credit rules and regulations, any credit debt after 7 years should be removed. Furthermore, this debt was included in my bankruptcy. I have reached out to equifax more than once to have this item removed and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by XXXX which is a service offered by PNC bank. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted XXXX directly and THEY stated that I had to contact PNC for a claim. On XX/XX/XXXX, I contacted PNC by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from PNC stating that my claim was denied because the purchase was valid? I am pursuing the original company but PNC needs to offer a certain level of protection to it's customers. Scammers use XXXX because they can get away with ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
Theres 3 fraudulent credit inquiries on 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 2022-11-21 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Consumer USA provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my XXXX report the monthey payment is {$390.00}. 
Also the terms on the letter & on the contract are 60 months but on my experian report 62 months. 
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: OK

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
for Account XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2022-11-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
for Account XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation