vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any 3rd parties.

If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand...

15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate.

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current. 

XXXX XXXX : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since 2003. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XX/XX/XXXX XXXX reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any 3rd parties.

If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand...

15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate.

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current.

Mercedes Benz : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since XXXX. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any 3rd parties.

If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand...

15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate. 

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current.

Mercedes Benz : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since XXXX. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have no knowledge of this account XXXX XXXX XXXX XXXXXXXX. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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: VA

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.

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 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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.

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I tried paying my mortgage with funds that have been sitting in my savings account for months. My available account balance reflected my full account balance. My mortgage company withdrew the requested funds. My savings account reflected that these funds were withdrawn. I then received a phone call from the savings account bank saying they wouldnt allow the transfer and were going to reverse it. When i asked why, they said they couldnt give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing about a current issue I am facing regarding a Truist joint checking account I had with my mother. 

My mother and I had this joint account for many years and every month her social security benefit deposited into the account where I, as her power of attorney and primary caregiver, would spend on her necessities. I had taken care of my mother for XXXX  years and the current issues I am facing with Truist bank stems from my mothers death which occurred on XX/XX/2023. On XX/XX/2023, her last social security payment was deposited into her account which in turn was used to cover her funeral expenses. When Social Security became aware of the date of my mothers death they attempted to clawback the benefit paid out. As the benefit was already paid out for my mothers funeral, Truist opted to pay out the benefit themselves to Social Security and placed an overdraft on the joint account and is pursuing me in attempting to recuperate the payout. The current amount they are pursuing with me is about {$930.00}. 

I explained to Truist that the account was only for my mother who passed away on XX/XX/2023 and my name was only on the account in order to manage the day to day care and affairs of my mother. Their attempt to pursue me for the balance owed on the account is especially troubling as I am currently XXXX XXXX XXXX and served as the primary caregiver for my parents over the past XXXX  years. During that time, and currently, I was out of the workforce and lack the skills necessary to secure employment. At present, I am reliant on minimal support from my XXXX. 

Given these circumstances, I kindly request your assistance in handling the necessary procedures related to my mother 's account and any pending transactions. Please advise on any documentation or processes required to address this matter promptly. Your understanding and support during this challenging period would be immensely appreciated.

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 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: ID

Complaint narrative:
On XX/XX/XXXX My phone was phished by calling Chime Bank to discuss why my bank transfer from XXXX XXXX XXXX had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my XXXX XXXX had bitcoins purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX with them trying to add {$750.00} to my XXXX XXXX account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in Bitcoin I had a money balance on my XXXX XXXX account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons XXXX XXXX XXXX account and moved XXXX to my XXXX XXXXXXXX Checking account where they then were able to add XXXX dollars to XXXX XXXX @ XXXX at that time they sold the bitcoin on XXXX XXXX for XXXX. There was another attempt to add XXXX to XXXX XXXX which was declined and marked as fraud by XXXX XXXX @ XXXX XXXX after that they cashed out XXXX to my chime account see attached photos. at XXXX XXXX they made another attempt to add money to XXXX XXXX for XXXX which failed. At this point the money was all gone from mine and my son 's XXXX XXXX accounts and XXXX XXXX and was all moved to my chime account see attached photos. Meanwhile they were doing the same thing in Chime they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX @ XXXX XXXX. At XXXX they moved the XXXX from XXXX XXXX to Chime, at XXXX XXXX they sent XXXX to XXXX XXXXXXXX then again @ XXXX XXXX they send XXXX to same person leaving {$5.00} left in my chime bank account. At which point I saw all the transactions and immediately started online fraud cases with chimeXXXX XXXX and XXXX XXXX. I called all 3 as well to inform them of what was going on so that they could freeze my accounts. 
XXXX XXXX has opened 2 cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from XXXX XXXXXXXX and Chime Bank. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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: TX

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. 

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 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: AL

Complaint narrative:
As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with XXXX, XXXX, XXXX and Lexis Nexis, although XXXX did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in XXXX of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.

Company response to consumer: Closed with explanation