vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 of 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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
About XXXX I received a notice from PayPal that I bought something in XXXX for over {$300.00}. They would not tell me what was bought just that I owed them money. I refused to pay it, I dont shop in XXXX . They turned me over to collection agency, I told them that I wasnt paying & then letters stopped. A few years later it started up again. I called & asked once again to have account closed, I refused to pay, it all stopped again. Last year I got another letter but it all quickly died out. Today I received a text from PayPal about a {$560.00} charge. I called immediately & they told me I had two accounts, one in US & one in XXXX. I asked that all accounts were to be closed. He said the only way to close the accounts were to give him access to my server. I hung up & called u. I need to know what to do. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX billing issues : I lodged complaints before on this company & poor billing practices & double billing. Those complaints were lodged : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Now yet again having same issue I reported before & is reoccurring continuously. I will also duplicate this report to FTC as this company is very unsavory! I have made duplicate payments in error & this time I could NOT place a stop payment on check since check was already cashed. This is a loan for installation of a walk-in tub. Payments are $ XXXX month. Here is the breakdown of duplicate payments made in error as I keep getting notices : 2nd notice, or 3rd notice. Starting w/ XXXX of XXXX : Paid the {$150.00} on : XX/XX/XXXX ck # XXXX ; XX/XX/XXXX check # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX Ck # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX. Plus, since last 2 checks were already cashed on XX/XX/XXXX I can NOT place a stop payment on these checks!!! So, as you can see, yes, my error also BUT the company is compounding the error because they keep sending out invoices for payment. I am a XXXX  on fixed income & have a visual impairment so sometimes I can NOT track past payments. So, I admit my error, so too the company should admit their error & not have cashed the last 2 checks. Plus no one had decency to call me to say that a duplicate payment was made!! Plus : I do not get statement stating what my loan balance is with all the duplicate payments made!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX the XXXX XXXX I learned through my XXXX credit card account monitoring that there was a hard inquiry done on or around XX/XX/ by Bank of America. I called Bank of America on XXXX the XXXX and learned that a fraud was perpetrated on me and someone applied and was approved for an XXXXXXXX XXXX XXXXXXXX. I deny applying for this account and I deny authorizing anyone applying for this account. While Bank of America claims to have blocked the account they have not closed the account as of today. I have talked to multiple fraud representatives at their company. The only information they gave me was that it was an XXXX XXXX. I am requesting Bank of America to remove the hard inquiry and remove any record of this account off of my 3 major credit reports. I also want in writing to myself that the credit inquiry and the account have been removed off of my credit report. I have placed credit freezes at all 3 major credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I placed an order through XXXX at XXXX for 2 2 for {$25.00} entrees and 2 desserts. The 2 for {$25.00} include 1 appetizers and 2 entrees each. The first 2 for {$25.00} was an appetizer of mozzarella sticks and 2 entrees ( one broccoli chicken Alfredo and the second was four cheese Mac and cheese with pepper honey chicken tenders ). The second 2 for {$25.00} was a mozzarella stick appetizer and two chicken tender entrees. The desserts were blue ribbon Brownie and cinnabon mini swirls. I received a text that the XXXX had delivered the food at XXXXXXXX XXXX  with a picture of one bag. Image is also attached of message. Upon opening the bag we had only received one entree which was the broccoli chicken Alfredo. I then called the XXXX  in which I asked if there was by chance any other bags but XXXX was extremely unhelpful and would not communicate regard the delivery. I then contacted the XXXX help chat in which they credited my XXXX account {$22.00}. I then contacted them help chat again noting that I only received one entree and was missing 3 entree, 2 appetizers and 2 desserts. They informed they that would send it up for investigation but I did not receive a response in the 2 hour time frame they informed me off. The next day I contacted the XXXX customer service line and spoke to an agent. The agent told me basically the same thing as the help chat that he would escalate the matter for investigation and that I would again have a response in 2 hours. I waited almost three and had no email, which was the form of contact he stated they would be using. I waited for the charge to be posted to my checking account and then call to bank to dispute the charge. They credited my account for {$100.00}. Today XX/XX/2023 I received the paper from my back which stated there was no error of the charge and that the would be reversing the credit as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WLCC
State: NV

Complaint narrative:
XX/XX/XXXX. The company put the amount of {$600.00} direct to my account without signing up on the company. Starting XX/XX/XXXX they start deducting {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX XXXX. They still want me to pay {$770.00}. They automatically put {$600.00} in my checking account without signing on their website but my mistake I use the money which I pay automatically deducted on my checking but the problem is they want to pay me more than I owed. This is the company phone XXXX. Thank you. Im going to get a in my bank the statements to provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following accounts I have listed below XXXX XXXX XXXXMy rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.

15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the report; Please update account to paid as agreed and ok on credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have recently become aware of an online scammer. I ordered shoes on XX/XX/2022 for my daughter to have school shoes. They were supposed to ship in XXXX, which was normal at the time because XXXX did pre-orders and never had a problem. I ordered a second pre-order on XX/XX/2022 that was also supposed to ship in XXXX. XXXX kept posting updates about delays with customs and other issues like moving to a new state and warehouse. XXXX is here and XXXX decided to cancel the orders due to out of season shoes. She refunds a gift card. I order more shoes with the promise of no more delays. I placed a new order of shoes on XX/XX/2022 because they were the shoes that were just canceled and had a new ship date of XXXX. My last order I placed on XX/XX/2022 stating they would ship in XXXX. XXXX post that the XXXX and XXXX shoes are running behind again and will ship out on the end of XXXX. XXXX threatened if we dispute or file chargebacks on our banks that we would be removed from the group. 

I call Suncoast Credit Union who I have banked with for XXXX XXXX years to dispute these transactions as the business is not replying to emails and refusing to refund the money back appropriately. They stated that since its past 90 days they will not refund my money and there is nothing more that they can do. 
However, they refunded a friend for the same transaction history that I have. Also, I have up to 120 days of when I was expecting to receive the merchandise and I am in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received call from unknown number this morning at XXXX. Left voicemail stating " I am a processor. You are scheduled to be served at your place of employment Friday XX/XX/XXXX. If you have further questions reach plaintive 's office directly at XXXX. You have been notified. '' Called number where another person answered with " XXXX XXXX '' & placed me on hold. When they returned they informed me that this was a collections regarding a Bank of America credit card from XXXX with unpaid balance of {$5700.00} & legal fees of {$2200.00}. Debt was bought by XXXXXXXX XXXX. I do not see any collections on my credit reports. I am unaware of any outstanding credit card debt. I have never been a client of Bank of America. This office appears to have much of my personal information already, last 4 social security, current & previous address, birth year, maiden & married name. They asked me to confirm last 4 & birth year which I did as they are correct & they offered info not I. In hindsight I realize you can not be served by phone. Further research this appears to be a scam. I can not confirm either law office or phone number as legit. " Law office '' identifies as XXXX XXXX XXXX in XXXX XXXX. Now I am concerned that I have confirmed my personal information and someone has stolen my identity. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with XXXX, XXXX and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with XXXX, Equifax and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files 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 explanation