vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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:
This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2.

The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to Transunion XXXX, XXXX XXXX  XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to Transunion & XXXX XXXX, XXXX XXXX XXXX, ( Only reported to Transunion & XXXX ) XXXX XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX RE XXXX, XXXX XXXX, XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to Transunion & 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 2022-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: WA

Complaint narrative:
I used an atm and no money came out but the bank showed that those funds did withdrawal from my account. I called my bank and told them what happen. They filed an investigation or so I was told. 10 days later I call to check on it with the bank. There was never a report filed so they said they will file again. 10 days later I call the bank again and told yet again that no report was ever filed. So here we are almost 20 days later and no report has been filed from my bank, they have not provided any explanation for them not filing the report. I have no funds because they will not realer any to keep. Not even a provisional credit. They canceled my card without my knowledge and wont give me my money that is there in the account. Every-time I call the bank I get the run around. No one knows what is going on.

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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a letter of Debt Collections in the mail from XXXX XXXX XXXX XXXX requesting a debt of {$380.00} that is now in collections from a fraudulent account with PayPal that was created in XX/XX/XXXX. My legitimate PayPal account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called PayPal on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. PayPal did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by PayPal failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that PayPal never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
We went into the Ashley Home Furniture store in XXXX XXXX XXXX Arizona and was asked if we would like to see if we qualify for financing of the mattress that we had selected, and that it would only be a soft inquiry into our credit to see if we qualify, and then after, decide if we wished to proceed. We agreed for her to run our credit to see how much financing was available to us.The store associate ( XXXX XXXX entered our information into her system and said we were approved for {$1100.00}, to which we declined, and withdrew the application verbally, and clearly expressed that financing only a fraction of the mattress price was not the best option for us.. She explained she needed our signature as authorization to run our credit. She asked us only if we would like to " see '' what financing options were available to us. Nothing involved opening a credit line. Either way, we declined the offer that was advertised to us as a soft inquiry to check available options. We checked our credit and a hard inquiry is marked on our credit reports. There are now store credit card accounts opened in each of our names. I called XXXX Bank who provides the financing and spoke to a manager ( XXXX XXXX and he flat out said that the applications put in at the furniture store are submitted to qualify us to see if we are eligible for credit and then they just go ahead and start opening accounts. The store associate XXXX said that she was giving us the option of financing a purchase of the MATTRESS. Not signing us up for a store credit card after the mattress was agreed to be paid for with cash in full. Closing this line of credit will adversely affect our credit. Should we apply for a home mortgage, since the house we rent is being sold, and have to move, a derogatory comment could show on our credit excessive number of accounts open. This is why we clearly expressed to the store associate that it was not the best option for us and proceeded with declining the credit that was only offered to us verbatum as a soft inquiry to see if we wanted to go that route.

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 2022-04-27 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

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 2022-04-27 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: GA

Complaint narrative:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiable , and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have two transactions that have been held since XX/XX/XXXX by American Express Bluebird. There are two transactions {$34.00} and {$230.00}. Both transactions were for two separate hotel stays. The hotel has reconciled BOTH stays and charged the stays under " XXXX XXXX '' which is their payment processor. I was advised on XX/XX/XXXX by a representative at Bluebird that a letter on the hotel letterhead was needed to have the hold released. They said they would not accept the hotel receipts on letterhead as proof to release the hold and that someone from the hotel staff would have to email a letter on their letterhead from the XXXX domain to have the funds released. The front desk manager as well as the General Manager for the XXXX XXXX and XXXX XXXX in XXXX XXXX, TX have emailed this information three times. 

On the evening of XX/XX/XXXX, I spoke with agent XXXX at American Express Bluebird who was rude and did not help to resolve my concern. I was told that it would take 30 days to release my hotel transaction which is not true according to their own policy that states that funds would be released after the 7th day. The 30 day hold applies to rental car agencies by definition of American Express ' own policy. 

The ambiguity of their policy is misleading and deceptive to customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XX/XX/XXXXXXXX Balance - Date opened XX/XX/2015XX/XX/XXXXXXXX Balance {$570.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/2015 XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXXXX/XX/XXXX XXXX Balance {$570.00}

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 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Back in XX/XX/XXXX, I noticed that my car payment had been transferred from SunTrust to Truist Bank. I could not make my payment online, as I had been since I opened the loan in XXXX. I called Truist to set up an account and make my first payment, which I was able to do with the representative over the phone. The next month I went to my Truist account to make my payment and I was unable to access the online account created by the representative. I called customer service on five separate occasions, however, each time I waited for a representative for anywhere between XXXX and XXXX minutes without any contact. Finally, in my sixth attempt to make a payment, Truist 's customer service line offered a callback option. This option was not available in my five previous attempts. When the representative contacted me, I was informed that the original online account number provided to me was inaccurate. I was able to rectify the issue with my online account and bring my loan up to date. However, I was also informed that during this issue with my account I was 37 days late on my payment and it will be reported to the Credit Bureau. An incorrect account was communicated by the Truist representative. I made multiple attempts to make a payment while facing impossible wait times. A grace period should be offered for accounts being transferred. Had my online account been functional, I would not be facing a penalty on my credit XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX + XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : 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 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 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 explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : EXPERIAN : 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 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 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an Inquiry shown on my report from XXXX. I didn't give this entity permission to pull my credit. I didn't engage them in any way. I will like this removed from my credit history.

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 2022-04-27 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: GA

Complaint narrative:
There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Experian. 
- XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted 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 explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I attended XXXX XXXX  XXXX XXXX and due to a school closure, all of my loans were forgiven. I have one loan that has not been forgiven and I have not been able to get any information regarding that loan at all. I was told it was consolidated in 2015 but that is all the information that could be provided. I don't know if this loan really belongs to me, why it was not included in the other loans that were forgiven. I need more information and fedloan has not been able to provide any but that is the creditor on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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