vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX  XXXXXXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX OF XXXX - XX/XX/2020, 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 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 inaccura
te.

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 2022-04-29 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my rights. 

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

15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 2022-04-29 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my writ
ten instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Ocwen Financial Corporation
State: MN

Complaint narrative:
There was a charge off a XXXX mortgage in 2021 in my credit report by Ocwen. This is not mine and they are illigelly doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my 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 2022-04-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I blocked my information because I had identity theft. Sent all docs needed prior. Every so often they lock me out of my account stating its an internal block because my name and address has not been verified. However, I have sent utility bills, my license, verified my social security number, etc, where my name and address are very visible. I held in the office for an hour to speak to someone, after verifying my name, social security number, date of birth and address, she proceeds to tell me I cant dispute inquiries on my account, I need to file a police report or prove it wasnt me. She then got upset because I asked her to provide me with original documentation showing where I gave these entities authorization to pull my credit report, because I have not! She tried to argue with me, got mad because I asked for a supervisor, left me on hold 20 minutes, then transferred me to an automated system asking questions about my call and hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX ; Account number XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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

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 2022-04-29 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX ; Account number XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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

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 2022-04-29 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: IN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX/ {$0.00}

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 2022-04-29 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: Synovus Bank
State: TX

Complaint narrative:
Have not update billing payment that was paid on XX/XX/2022. The customer service agent was unprofessional and unethical. Then proceeded to make a late payment on my account. Which was already paid!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/2022 I had applied for an XXXX business line of credit, XXXX uses Synchrony Bank to underwrite this line of credit and issue the finances accordingly. 

In order to improve the odds of my XXXX business line of credit approval, I offered a personal guarantee in my XXXX XXXX application because my credit score is over 800 and I have exceptional odds of approval, 100 % typically. 

Without ever reaching out to me for more information, Synchrony Bank denied my line of credit and sent me a rejection letter stating that they were unable to verify my personal identity .... but how can the underwriters not verify my personal identity when my name, dob, social security number, telephone number, address, and e signature are on the application? Why didn't the underwriting department reach me directly to verify instead of denying? 

I of course contacted them to address the issue and told them that there is proof that they RAN my credit report the day of my application, so how can they run my credit report with my name, dob, ss #, address, phone number and esignature yet not verify my identity? 

The Bank refused to rescind the credit inquiry that they messed up and now I have an inquiry causing me negative impact to my credit report because they did a hard inquiry and then rejected my application after their representatives failed to do the underwriting correctly. 

I filed a PA attorney general complaint to address this issue with Synchrony Bank as they refused to amend their negligence ... instead of contacting me using the number or email provided in the complaint, which is also in their records for the XXXX XXXX and a XXXX XXXX, ( so provided correctly 3 times ), they replied three months later stating they attempted to contact me via my old phone number which I never provided them on any of these applications... So they refused to mediate with me, refused to amend their mistake and have caused me damages by virtue of negative credit impact due to their mistake. 

For further insight, in the same month I also applied for a XXXX XXXX who also use Synchrony Bank and I was approved for {$2000.00}, they performed the exact same underwriting procedure for both LOCs, just one they messed up and refused to fix their mistake. 

I have recordings of their agents refusing to accept responsibility and help me, and even caught lying on record, HOWEVER, the CFPBs limited file size of 10mb isn't large enough to permit attaching to this complaint... I offer it in an auxillary email attachment as needed, please ask me for it, I'd love to send it over to the CFPB for review.

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 2022-04-29 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I received a letter in the mail one day from Cash Net USA advising me that a loan was approved in my name. I was confused by this because I did not apply for a loan with Cash Net USA. So, I called them and I was informed there was a loan on file with them with my information attached to it. I told them I did not make this loan application and they need to close this as fraud. They claim they did an investigation and they are holding me responsible. I asked them for the paperwork regarding this loan and they only sent me the loan agreement. There was an E-signature on the paper work to approve this. I did not E-sign anything for this company to be able to approve a loan. I fought with Cash Net several times to close and they refuse. So then I reached out to XXXX to get help with this and they requested another dispute on my behalf, and Cash Net denied that request also. Now I am at the step of sending legal documents to them to request all paperwork regarding this loan. Did Cash Net ask for copies of this person 's social security card, or drivers license? If they did I want to see copies of that to see if my face and signature is on that fake ID. If they have a social security card with my number on it and someone else 's name or signature on that card I want to see it. Did they ask for any copies of paystubs to proof employment of this fraudster? If so then I want to see it. If they did not verify anything with the thief before approving this loan then I want them investigated for unfair lending practices. This loan was approved and funded to the thief in XXXX of XXXX, it is now XX/XX/XXXX, this is unacceptable behavior to resolve something that is fraudulent. After this is submitted and another review is done, if they still hold me responsible then I want proof sent to me as to why they think that. What proof do they have that leads back to me, I need to see all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have multiple business accounts with Wells Fargo and even bank with their commercial side for business! and a credit card but I was denied for a personal loan which makes no sense considering how much business I do with them I feel like I'm being discriminated against.

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 2022-04-29 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: KY

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2020

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 2022-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 an account without my 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 explanation
Consumer complaint received 2022-04-29 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent  account # XXXX, has violated my rights. 
15usc 1681 section 602 states I have the right to privacy.

15usc 1681 section 604A section2 : It also states a consumer reporting agency can furnish a account without my written instruction 15 usc 1666b : A creditor may not treat payment on a credit card account under an openend consumer credit plan as late for and 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 explanation
Consumer complaint received 2022-04-29 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: DC

Complaint narrative:
I speak with Equifax Customer Service. They threaten me that my credit reports stay negative for XXXX account in XX/XX/2016 until XXXX ( 10 years ). but my account was closed/paid off. I have a confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, a Debit card arrived at our home address for our new USAA checking account. Problem is, we did not open a checking account with USAA. I contacted the number on the card and explained that this was very suspicious since this account was not opened by us. 

The customer service person was very nice and said we need to speak to a specialist, but suggested we call back early in the morning since wait times could be up to 3 hours for a specialist. We call back about 7:00 am the next morning only to be told ( via recorded message ) that the wait time was 12 hours. The next morning we tried again and wait time was 9 hours. 

I reached out to USAA on their XXXX page and sent a message. Since XX/XX/XXXX, I have messaged them several times. Often the response is " someone will get back to you ''. As of today, XX/XX/XXXX, I have still not heard from them. 

This is very alarming to me being that they were recently fined for not safeguarding against fraud. Most checking accounts have to be opened using a Drivers License, so if a copy of our license was used, I have big problems. But without hearing from them, I have no idea what is going on. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : Accounts : XXXX XXXX XXXX XXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00} XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX Banking XX/XX/XXXX XXXX Bank Banking XX/XX/XXXX XXXX Banking XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I have a long time joint acct with my brother, he passed away on XX/XX/2022. 
I called to have the acct. closed on XX/XX/XXXX and they were to forward me the balance, on XX/XX/XXXX I called again as i have not received the funds, after being on hold for 1 hour, I was told I need to fill out paperwork at their office and get a court order to become an executor. 
I don't understand this as i have been a joint owner of this accout for many years. 
Please help me get these funds. 
Bank of America balance due to me 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 monetary relief
Consumer complaint received 2022-04-29 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: Chime Financial Inc
State: FL

Complaint narrative:
Lost my debit card XX/XX/22 Reported it stolen to chime. Lost over XXXX dollars in unauthorized transactions. They denied my dispute.

Company response to consumer: Closed with explanation