vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: PA

Complaint narrative:
I never gave Equifax prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 XXXX XXXX XXXX XXXX, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

Automated Collections, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 ACIMA Digital FKA SIMP Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX Account XXXX XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: VW Credit
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX to inquire about paying off my lease. I was advised that they would be able to asisst me and we scheduled an appointment for XX/XX/XXXX. On XX/XX/XXXX, i was advised via text message that i would have to get the car inspected for safety reasons. I was not advised of any fees associated with this inspection. Upon my arrival at the dealership, my car was taken back for the inspection. A while later, i was given the final payoff amount which included a {$990.00} dealer fee, and a {$190.00} inspection fee. These fees were never disclosed to me prior to my appointment. I informed the representative and the general manager that these should not be charged as they were not legal nor in my lease contract. The dealer would not budge and refused to waive the fees. After going back and forth for a while, the general manager refused to complete the transaction and I was asked to leave. According to the federal consumer lease act, the only fees that may be charges on the backend are fees disclosed in the original lease agreement. In my contract, it states there will be a {$390.00} disposition fee. No other fees are indicated. I contacted two other XXXX dealers in the area and both indicated that there would be no dealer fees charges. One dealer even indicated that they would not complete the buyout due to the fact they could not legally charge such fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act acct # XXXX XXXX XX/XX/XXXX, XXXX XXXXc XX/XX/XXXX, XXXX acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX XX/XX/XXXX has violated my rights. 

15 u.s.c 1681 Section 2 states a consumer reporting agency can not furnish a account without 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 2022-09-15 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: IL

Complaint narrative:
On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was denied access to my bank funds and I received treatment that I believe to be discriminatory. On XX/XX/22, I went to the same Bank of America Branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on two different occasions. The first occasion was to get two rolls of quarters to wash clothes. I was waited on by XXXX XXXX. I was informed that I can only receive one roll of quarters. The excuse I was given was the coin shortage. I shared information from the FDIC that there was no longer a coin shortage. I also requested the written policy and protocol on receiving rolls of quarters. I was told there wasn't a formal policy and I was given the option by XXXX to either receive the one roll of quarters or to withdraw all the money from my bank account. 

I waited and spoke to the Branch Manager ( XXXX XXXX XXXX ) to no avail. I took the roll of quarters and left. I needed additional quarters to wash my clothes, so I returned to the bank later that day. I made a request to withdrawal {$950.00} ( waited on by XXXX XXXX XXXX ). XXXX processed the withdrawal ( withdrawal slip attached- please note that when I requested the slip XXXX XXXX it out before giving it to me ), but when I requested to receive the amount in quarters, he refused to give me the funds and reversed the transaction. 

I feel it's unjust under Availability of Funds and Collection of Check ( Regulation CC ) [ Federal Reserve Board ] for Bank of America to process my withdrawal for {$9.00} and refuse to give me the funds because of the legal tender that I want it distributed in. The {$9.00} withdrawal was not a roll of quarters. Under the direction of the Federal Reserve Board, I believe a consumer should have the right to access their available bank funds. 

I felt their actions on both occasions were discriminatory based upon the fact that I'm XXXX XXXX and several of my XXXX and XXXX neighbors ( who also need quarters to wash their clothes ) received more than one roll of quarters from this branch. In addition, XXXX stated the branch must follow rules ; however, according to the branch rules, the branch closes at XXXX XXXX. XXXX, XXXX, and XXXX disregarded this bank rule and allowed XXXX XXXX customers to enter the bank after hours ( one around XXXX XXXX and one around XXXX XXXX ) to process their request. 

When I expressed my concerns of discrimination to XXXX ( the fact that the " branch rules '' were not being enforce equitably between XXXX  and how my XXXX XXXX XXXX neighbors received more than XXXX roll of quarters on several occasions ), XXXX gave my the additional roll of quarters ( after two trips and about an hour of waiting ). However, XXXX told me not to return to the bank.

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 2022-09-15 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: CA

Complaint narrative:
On XX/XX/2022 I sent a letter to Experian asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the XXXX data breach and I want these accounts deleted immediately as they have cause me great stress.

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 2022-09-15 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: CA

Complaint narrative:
On XX/XX/2022 I sent a letter to Transunion asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the XXXX data breach and I want these accounts deleted immediately as they have cause me great stress.

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 2022-09-16 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
SOUTHERN MANAGEMENT SYSTEMS INC. IS A THIRD PARTY CREDITOR WHO HAS NEVER RECEIVED MY WRITTEN INSTRUCTIONS TO REPORT ANYTHING ON MY CREDIT. THEY HAVE PRODUCED SOME FRAUD DOCUMENTS WITHOUT MY SIGNATURE. SOUTHERN MANAGEMENT SYSTEMS INCXXXX IS AWARE THEY ARE VIOLATING THE LAW! In accordance with the Fair Credit Reporting act SOUTHERN MANAGEMENT SYST 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 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I received an email from PayPal stating that I " can no longer do business with PayPal '' because I violated the acceptable use policy and my account ( XXXX ) was locked. Furthermore, they stated that they are holding my balance for 180 days. I currently have {$55000.00} in my account at this time and can not transfer to my bank or access my funds at all. I attempted to contact them through several channels including calling them, emailing, and writing a letter. 7 representative refused to tell what I did to violate their acceptable use policy. In response to the letter that requested they state the specific reason for the ban, they again refused to provide and explanation. I have yet to receive any indication as to what exactly I did to result in this ban and the only information I received was that it was a " backroom decision. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Please explain how you're reporting this account as reported on XX/XX/22, you are " re-aging '' this account and that is illegal. Please delete it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXXXXXX XXXX IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED 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 2022-09-15 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: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXX XXXX  IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and

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 2022-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In early XXXX, my Amazon Store Card account was closed. I received a letter listing the reason for closure as : " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. 

My account was paid off at the time of closure. I've always paid on time in full since I first received the card over a year ago ( likewise for all other accounts in my credit history ). I had a reward balance of {$1100.00} that was forfeited as a result of Synchrony closing my account. I believe my account closed in bad faith with the intention of denying my rewards. I would like Synchrony to either reopen my account with the original reward balance or pay out the rewards that were forfeited when they closed my account.

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 2022-09-16 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and

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 2022-09-16 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have new and updated information regarding Equifax and XXXX. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I got this mortgage from XXXX and I never missed a payment, Lately I have been sending big amounts towards the principal with the last payment of XXXX dollars on XX/XX/XXXX. After the last payment, my balance ( which I follow very closely ) was XXXX, but when I tried to make the payment, the website ( XXXX ) did not allow me to do so and wanted to charge me the previous monthly payment of XXXX dollars. I tried calling them several times and there was always a problem with the comminication, there were always busy and the waiting time was too long and they always told me to call later, I emailed them more then 15 times and I only got the same message saying " someone will call you soon " but they never did. then I try to pay on the website the whole previous amount since I did not want them to say later that I did not pay on time ( why would I do that when I never missed a payment? why would I do that on XXXX dollars when I paid XXXX dollars in principal payments this past year alone?, ridiculous!!! ), the website did not allow me to do the payment, so I tried fast Pay in which I was enrolled on their website and also did not allow me to do so, so I sent a check to Lakeview Loan services LLC since thet is the address in Pa where the payments by check can be sent, this was done 4 days ago ( before the payment was due, which is on XX/XX/XXXX ) and they never credited me for the last payment. Today I called the call center and I explained the situation and the person there said " you owe XXXX????? ) I said no, look on the website and you can see where it says " your remaining balance is XXXX dollars, but she did not want to hear what I was explaining. so tomorrow is the deadline, they are not answering my emails or phone calls and they will argue that I did not pay on time, I will file a complaint with the Banking comission against Lakeview and XXXX too.

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 2022-09-16 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: PA

Complaint narrative:
I never gave Experian prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.

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