vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 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: NC

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. 

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 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 2022-11-26 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: NC

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. 

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 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 2022-11-26 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: IN

Complaint narrative:
I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile Dept. of Ed XXXX, XXXX XXXX XXXX, US Department of Edu XXXX, US Department of Edu XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
The inquiry listed below is fraudulent and is being reported fraudulently on my equifax credit report and also attached is my identity theft report. 

Equifax XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I checked my email to find 4 emails from Bank of America first asking me to verify my email address, then welcoming me to Bank of America Online, then another email stating my email address had been updated successfully, then another email address stating my online application was approved. All of these emails and transactions took place starting at XXXX with the last one being sent at XXXX - all of which during a time I was asleep. I did not initiate any such actions with Bank of America and do not have any business dealings with them.

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 2022-11-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 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 accounts 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

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime online banking. 
Reported false credit report to the credit bureaus and refuse to correct their mistakes. I have filed a few complaints and requests for Chime to correct their mistakes and report the correct information to the credit bureaus since XX/XX/2022 and instead of them correcting this issue they have decided to terminate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I have no knowledge of the item I tried numerous times to dispute this inquiry as XX/XX/21 to this date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have no knowledge of the item I tried numerous times to dispute this inquiry as XX/XX/21 to this date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2022 I received {$10.00} in a incoming oayment and had {$2.00} on the account as soon as the payment cane in a message came up that my account was reset and the {$12.00} turned into {$2.00} and it said that I owed {$7.00} and they took it out if XXXX and {$2.00} was my remaining balance in the account. A month before that I received a payment of {$20.00} and they immediately took {$18.00} znd I was nit ovdrdrafted. The week before that I received a {$25.00} payment and it disappeared with no explanation. I received a {$10.00} payment from my XXXX Bank Account and it says XXXX XXXX and it disappeared too. Before that they refused to fix the problem with the XXXX XXXX XXXX not being able think up to my Venmo Account and transfer money to it. It works for others but they pretend to me it can't be fixed XXXX XXXX is a prepaid account bank and its not. Please help me get good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX monitor from a website that was originally named XXXX, they now changed their name to XXXX. I was charged a total of {$840.00}. It was months until I asked about my product after going back and forth I decided to ask for a refund. I was sent a text message and email on XXXX. XXXX claiming that my money was going to be refunded in 20 days. The phone number was XXXX ( XXXX ) XXXX. After nothing was returned I would continue to go back and forth with company reps claiming that theyre doing their best to help. On XX/XX/XXXX I spoke with my bank to file a refund claim they denied it due to not being within 60 days of the original transaction date. A couple of days after I filed the claim, the fraudulent website emailed me saying the item was in stock if I would like to place an order for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: IN

Complaint narrative:
I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-26 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: IN

Complaint narrative:
I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I have a Citizens Access ( CA ) online high yield savings account. It is to my XXXX XXXX ( XXXX ) checking and savings account to transfer funds between accounts. On XX/XX/22 I attempted to transfer XXXX {$1500.00} from XXXX to CA. This would have brought the CA balance to approximately {$9500.00}. Somehow, the CA account continued to increase in {$1500.00} increments XXXX more times on XX/XX/22. XXXX has declined XXXX of these so far. I talked with CA Rep XXXX on XX/XX/22 and she said these would jus fall off at the end of the month. Yet the {$1500.00} pending transfers keep increasing. This could wreck my XXXX account, which is my main account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: NC

Complaint narrative:
Improper Reporting : I have sent multiple letters to each credit reporting agency, ( Equifax, XXXX, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] EQUIFAX : ( XXXX #. XXXX Reported Balance {$9000.00} ) & ( XXXX #. xxxxxx XXXX Reported Balance {$10000.00} ) & ( XXXX #. # # # # # # XXXX Amount {$340.00} ) XXXX : ( XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) & Names that are not mine ( XXXX XXXX Name ID # XXXX ) & ( XXXX  XXXX Name ID # XXXX ) Inquiry on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX : XXXX XXXX #. XXXX Balance showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) VIOLATIONS : 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.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with HIPPA privacy laws. 

EQUIFAX, XXXX, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I do not borrow from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
I made a prior complaint about this same bank, and same account, in XXXX of 2019 ( Complaint # XXXX ) I thought that it was resolved with your help. This account has been paid off for many years. Recently I received a statement indicating that it had a balance of {$780.00}. I did not use this or authorize it, I thought the account had been closed. I called and they refused to accept a fraud report. They reversed the charge and told me they would close the account. I then received a notice that there was a balance of {$2.00}. I called again and told me they would close the account. I received a notice again today that there is balance due. They have refused to close this account, even thought it is paid in full and I have requested it be close, and they have assured me many times over the years that they would close it. Now there are multiple fraudulent attempts to take monies from this account, and they will not investigate who is withdrawing money from what should be a closed account. The bank is Synovus, please help determine if this is a case of gross incompetence of criminal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX and XXXX reporting a debt in the amount of {$96.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had XXXX through the state of Virginia and also XXXX insurance 2019 to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: GA

Complaint narrative:
Experian refuses to update info despite proof being provided by company and uploaded in correct formatting as per website instructions. 5 times over 6 months and no changes.

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 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I have XXXX in my paypal balance that has been there for over a year but they will not allow me to transfer, receive or do anything with the balance. I just receive a message that states I can not use paypal anymore and that my my balance will be help for 180 days. It has been over twice that waiting period and I have not received an email or have access to the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : 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 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 2022-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I created a Savings account XX/XX/2022 with Ally Bank, and submitted a deposit of {$400.00}, which was immediately withdrawn from my depositing account. At the time of the creation of the account, I was able to register for Online access, but was unable to access the online platform. I have been continuously unable to login to access my account or funds. On XX/XX/XXXX, I tried messaging customer support on their Website, and received no response. On XX/XX/XXXX, I called the company and asked for help, to which they told me a support ticket would be opened, and Id be contacted shortly. It never happened. Ive been unable to access my money for almost a month.

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 2022-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
I received notice I am in default of my mortgage for non payment from XXXX XXXX of 2022. However, the company sent me proof they have received my payments and put them in unapplied. I have paid every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT IN XXXX MY EXISTING VETERANS ADMINISTRATION LOAN WAS REFINANCED WITH A COMPANY BY THE NAME OF XXXX XXXX XXXX. THEY DO LOANS UNDER XXXX XXXX XXXX XXXX XXXX SECTION 8 HOUSING & SUBSIDIZING. I UNDERSTAND MY VA LOAN CAN NOT BE SOLD TO XXXX XXXX  OR XXXX XXXX UNDER THE XXXX XXXX GUIDELINES. AS SHOWN IN THE DOCUMENT THAT WAS SENT TO ME. THE DOCUMENT # XXXX FORM XXXX. THIS TELLS ME THAT MY VA LOAN IS TIED UP IN A SUBSIDIARY CONTRACT PER SAY AND NOT UNDER THE XXXX XXXX XXXX CONTRACT AS IT SHOULD BE UNDER FEDERAL LAW. THESE ARE MY FINDINGS FROM THE RESEARCH THAT I HAVE DONE. I HAVE ALSO SENT THESE FINDINGS TO THE CFPB OFFICE. I HAVE BEEN PAYING {$1000.00} '' XXXX OF DOLLARS OF PRINCIPAL PAYMENTS TO BB & T/TRUIST AND I HAVE REALLY BEEN MAKING SUBSIDIZED PAYMENTS TO MY MORTGAGE TO BB & T NOW TRUIST, AND THIS IS WHY MY MORTGAGE PRINCIPAL BALANCE HAS ALMOST BEEN THE SAME AS WHEN I STARTED IN XXXX, JUST PAYING MOSTLY INTEREST. THIS IS REALLY A SERIOUS MATTER. YOU CAN'T PASS THIS OVER TO BB & T CAUSE THEY MERGED OVER TO YOU. THIS REALLY UPSET ME AS A VETERAN TO HAVE MY HOME LOAN HANDED TO SOMEONE TO MAKE MONEY FROM ME AS A SECTION 8 TENANT. I PAY {$500.00} AS A PRINCIPAL PAYMENT AND {$450.00} OF THAT IS GOING INTO THE POCKETS OF ONE OF YOUR CLIENTS, AS THE SERVICE ACCOUNT HOLDER IS REALLY XXXX XXXXXXXX.

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