vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  Acc. # XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) - Section states : No consumer reporting agency may make any consumer report containing 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 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My Capital One charged off account was paid off in XX/XX/2022. Capital One is still showing 1 payments recently late after the charge off occurred on XXXX. This is happening several times now and it never seems to get fixed. Please investigate why Capital One and XXXX can not get this right. We have gone back and forth many times. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When I open ( beginning of XXXX, this year ) credit card with this company, they promised to pay me {$200.00} cash back bonus if I spend {$2000.00} within first 3 months. I reached this in the beginning of XXXX, but still don't have advertised money. ( See screen shot ). 
Please help me to get my money.

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 2022-09-27 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, the XXXX bank closed my account without notifying me. Although most banks will send you mail or email notifying you that they closed the account. After speaking with them because i do think it is a mistake After speaking with them for hours talking to different people Nobody could tell me why or how my account got closed. I do not engage in any illegal activities so I know nothing fraudulent was done. However chime is my main bank account been with them well over 2 years I pay all my bills through my chime so it has been a huge inconvenience because I was logging in to actually pay some bills then seen the account was closed so now those bills are behind and has hit my credit already and will Be behind even more waiting on the check I am in the process of getting a new bank account with someone else so I can get my check direct deposited into that account but I wont get paid till next Friday so now I am broke & struggling with bills right now because of my own banking company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: IL

Complaint narrative:
I submitted my personal statement, fc report, identification card and I identified the accounts that were inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: IL

Complaint narrative:
I submitted my personal statement, fc report, identification card and I identified the accounts that were inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My XXXX XXXX charged off account was paid off in XX/XX/2022. XXXX XXXX is still showing XXXX payments recently late after the charge off occurred on Equifax. This is happening several times now and it never seems to get fixed. Please investigate why XXXX XXXX and Equifax can not get this right. We have gone back and forth many times. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I started a request to transfer all assets in my XXXX IRA account ending XXXX with Ally Invest to XXXX. 
On XX/XX/XXXX, most of assets were transferred except one mutual fund, XXXX, valued {$5600.00}, are still remaining with Ally Invest. Even more surprisingly, that XXXX IRA account has been marked as " CLOSED ''. 
Since then, I called Ally Invest twice on XX/XX/XXXX and XXXX. The representatives said they would file an inquiry but until now, nothing has happened. Those securities of mine are still kept in a " closed '' account in Ally Invest, and I do not have a way to access 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 2022-09-27 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: TX

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 U.S.C. 1681. 

XXXX XXXXXXXX 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 an account without my written consent. 

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 2022-09-27 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: Experian Information Solutions Inc.
State: TX

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 U.S.C. 1681. 

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 an account without my written consent. 

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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I submitted to Comenity Bank certified mail number XXXX. On XX/XX/XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. 
Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX2022 I reported to TD Bank about unauthorized transactions on my Credit card : XX/XX/XXXX2022 amounts {$260.00}, {$260.00}, {$260.00}, {$19.00} total {$820.00} ( claim # XXXX ). Since I spoke with TD representatives on XXXX/XXXX/2022, XX/XX/XXXX22, XX/XX/XXXX22, XXXX/22,XXXX/22,XXXX/22,XXXX/2022 I still don't have resolved result about above fraud. Charges still on my card account. Bank is continuing charging late fees and interest from me ( up today {$63.00} ) .Please help me to resolve this issue. 
Thank you XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX  XXXX XXXX XXXX # XXXXXXXX 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 Acc. # XXXX Spring 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) - Section states : No consumer reporting agency may make any consumer report containing 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MS

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 Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I'm embarrassed I have to file a complaint I thought exercising my right as a consumer was protected and that laws had to be followed. I have been disputing these inaccurate and unverifiable accounts for months now with no response or mail in response to my request as a consumer. On XX/XX/2022, I sent disputes concerning accounts that are illegally reporting on my credit in violation. In accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. 
USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something then it is known as an " Investigative Consumer Report '' but i do know for you to investigate things you need to conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the consumer - or anyone who might have knowledge concerning such items of information I have yet to receive any proof from the person that is reporting on my consumer report. I was not sent any information, I've been getting papers from Transunion saying I'm working with a credit repair which is clearly not. They even refused to process my disputes as a consumer isn't that illegal? The cause of this has been stressful and impacting my financial life to purchase anything. On XX/XX/2022 I sent another letter to comply with my request which might get ignored like all the rest which is why I'm making this complaint now.

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 2022-09-27 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: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
XX/XX/22 - Purchased food from XXXX XXXX for {$99.00} XX/XX/22 - Duplicate charges shown on card for {$99.00} XX/XX/22 - Called Navy Federal Credit Union to dispute duplicate charge XX/XX/22 - Messaged & called merchant and they provided screen grab only showing XXXX charge on their account- the issue is on the Navy Federal Credit Union side XX/XX/22 - Called Navy Federal Credit Union again to resolve the issue but they advised to wait while their dispute department reviewed the claim XX/XX/22 - Visited Merchant in person to cancel the charge completely on the Navy Federal Card and paid with my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX Called Navy Federal and messaged copies of the cancelled item and confirmation receipt of different payment method XX/XX/22 - Called Navy Federal Credit Union again - will not issue a refund XX/XX/22 - Received message from Navy Federal that they are closing my claim since they show a credit of {$99.00} -- still outstanding charge of the duplicate charge for {$99.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
To begin I was charged a {$4.00} replacement card fee. My card expired in XX/XX/XXXX, I had to call on 3 different occasions due to address complications. 
However, I was charged the replacement card fee & I'm not sure why. Their policy states the following : " After receipt of your initial Card, you may receive one ( 1 ) Card replacement for no fee each 12-month period. A fee will be assessed for each additional Card replacement request. Standard delivery ( 7 to 10 calendar days ). Expedited delivery fee would also apply ''. The last time I used that card was XXXX and my card didn't expire until XXXX of XXXX so why would I get charged a replacement fee, when clearly that was a replacement card over a 12 month period? 
Also, there is a {$0.00} fee for the automated customer service ( You are allowed to make eight ( 8 ) calls for no fee each month to XXXX XXXX XXXX ) A fee is charged for each additional call. However, there system is set up as to where you call the customer service number, it prompts directly for you to enter the last 4 of your card number followed by your pin and gives you your account balance & you're immediately charged. There is no fee for a " live agent '' but there is also no prompt for a live agent either, which is totally wrong. I haven't received child support in 2 years and I just received a payment of {$200.00} but my balance is now {$190.00} because in this XXXX day XX/XX/XXXX of trying to call and speak to a " live agent '' about my replacement card fee ( which I feel I shouldn't have been charged for ) I was also charged XXXX customer service automated fees for a total of {$1.00}. This might seem so minimal to you but it's certainly not to me especially during the time of this inflation ; I'm a XXXX  mother who hasn't received child support in 2 years, who tries to save every XXXX she can. How are you going to keep charging me for the automated service fee when there is no number or prompt for a live agent? Why did I get charged for a replacement card when it's been over a 12 month period

Company response to consumer: Closed with explanation