vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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.

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-11-24 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.

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX  which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-11-24 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: FL

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 XXXX 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 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 2022-11-24 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: FL

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 ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX 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 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 2022-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime without warning closed my account XX/XX/2022. This account was my main account that i receive my direct deposits. When they closed the account this caused my direct deposits to be returned to the sender and ultimately caused me to miss rent payment and other bills putting me in a financial hardship. I feel that the reason that chime closed my account is due to me filing several unauthorized transactions on my account. I had about {$6900.00} charged on my account spread out over the past year that i dont think that chime was happy about resulting in the closure of ky account. I didnt get my money back from these unauthorized charges let alone balance in the account. Im hoping that i can get assistance in filing a classaction lawsuit and legally pursue chime and be reunded for the unauthorized transaction and checking balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: CA

Complaint narrative:
I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed.

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX US DEPT OF ED, XXXX XXXX  XXXX XXXX XXXX, PA 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 2022-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card with Capital one Bank for over 5 years. 
I used the card regular. 
My due date is the XXXX of every month if there's a balance. 
On XX/XX/2022 my balance was {$3900.00}. 
So I made the full payment of {$3900.00} so that my account can have a 0 balance. And would not have a finance charge. 
The {$3900.00} was deducted from my checking account on XX/XX/2022. 
And as of today XX/XX/2022. 
My payment have not been credited to my account. 
And Capital one charge the {$45.00}. For finance charge. 
I'm not paying any finance charge because I paid off the balance to XXXX I need my {$45.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: NC

Complaint narrative:
i received a letter from XXXX XXXX XXXX about some kind of balance adjustment that was done to the account on file. Under the Fair Credit Reporting Act ( FCRA ), i have a right to the fair and accurate reporting of your credit information. Creditors or collectors are not allowed to report inaccurate information to my credit reports, and under the Fair Credit Reporting Act, i have a right to have it removed. the adjusted balance was around XXXX dollars. this also means they are reporting the information wrong on my credit report experian. i want this account permanently removed and blocked.

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 2022-11-24 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to dispute a re-bill charge of {$400.00} for XXXX XXXX to my credit card account in my latest billing statement. The re-bill appeared in late XX/XX/XXXX, and showed up on my XXXX statement. This is the THIRD XXXX re-bill for the amount of {$400.00}. 
I originally purchased the XXXX flights on XX/XX/XXXX, and the total cost was {$2700.00}. On XX/XX/XXXX, XXXX refunded me {$400.00} because our seats on XXXX XXXX could not be reserved in advance. In XX/XX/XXXX, I disputed {$2200.00}. This disputed amount is {$2700.00} ( which is the original ticket amount ) MINUS {$400.00}, because I had already gotten back {$400.00} from XXXX in XXXX. The reason I disputed is because I was having issues with the flights ( i.e. XXXX weeks prior to our departure date, our flights to the final destination were still unconfirmed by XXXX ). 
As mentioned earlier, I have been re-billed the {$400.00} by Chase three times. Prior to the XXXX statement, there had already been two refunds of this re-bill ( the first refund occurred on XX/XX/XXXX and the second refund occurred on XXXX ). Each time, I contacted the dispute division to correct this, because my disputed amount had already excluded {$400.00}. However, this third time, the charge has not been refunded. Ive called the dispute division a few times regarding this third re-bill, and would just be told that, This is still pending review. 
The charge is in error because when I disputed the XXXX charge, I did not dispute the total amount of the plane tickets. I disputed an amount that excluded {$400.00} because it was already refunded to me back in XXXX by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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:
I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed. 
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX US DEPT OF ED, XXXX XXXX XXXX XXXX XXXX, PA 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 2022-11-24 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: CA

Complaint narrative:
I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed. 
In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED, XXXX XXXX XXXX XXXX XXXX PA 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 2022-11-24 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: NJ

Complaint narrative:
Remove these hard inquiries from my report I do not have contracts with these companies nor did a give Equifax written permission to report this on my account. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On Saturday, XX/XX/XXXX I saw that my balance on Navient was overdue. It is my understanding that the student loan pause is still in effect. I also submitted paperwork for an Income Based Repayment plan and, according to my other loan servicer, XXXX, that isn't set to change until XXXX. 

On or after XX/XX/XXXX I received a response in the form of a message on Navient 's website, which has since been deleted ( not by me... I never delete correspondence ), that their records show my plan lapsed as of XXXX or XXXX and that I need to pay the amount that's overdue ( {$78.00} ). The warning on their website stated that if I didn't pay I might be subject to late charges. The due date was XX/XX/XXXX and I have an upcoming due date of XX/XX/XXXX for the next payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX. I am from XXXX ( I made a XXXX transfer from my bank in XXXX to a bank in the XXXX for a car purchasing. All payment details are attached below : Reference ( XXXX ) XXXX Date ( XXXX ) XXXX Amount USD XXXX XXXX Sender ( XXXX ) XXXX XXXX XXXX Sender 's Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Beneficiary 's Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Beneficiary ( XXXX ) XXXX XXXX XXXX XXXX XXXX Payment Details ( XXXX ) PURCHASE OF COMMODITIES. 
Fee Type ( XXXX ) OUR XXXX XXXXXXXX XXXX : XXXX I sent the payment order to my bank ( XXXXXXXX XXXX  XXXX license No. XXXX dated XX/XX/XXXX ) on XX/XX/XXXX in favor of the seller for the XXXX XXXX XXXX which I intend to buy in XXXX, XXXX. I would like to add that my seller ( XXXX XXXX XXXXXXXX XXXX ) is the company with an excellent reputation and many years of experience in the sale of cars. Later XXXXXXXX XXXX asked me to provide documents confirming the origin of funds, as well as all data on the transaction. Then on XX/XX/XXXX XXXXXXXX XXXX informed me that all documents are fine, the payment was executed and left the bank. 

Further, a few days later, my bank informed me that the payment had reached the correspondent bank Bank of America N.A. and advised me to wait for processing. A few days later, I wrote several letters to the bank of America and did not receive a response from them. After about 2 weeks, I initiated a request from my bank to search for a payment and for information on it, but I was informed that the Bank of America does not respond to letters in any way. I have already submitted several requests through my bank, as well as through the recipient 's bank. There is no response from Bank of America. 
At the moment, the waiting time for payment is almost 3 months and I am in complete ignorance. Please help me. 

my contacts for communication phone XXXX e-mail 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 2022-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
got a notice online Via email saying the application for credit service dined happened XX/XX/2020. through Power Finance Texas have no knowledge about any applications been having issues with this Power Finance Texas ask them to send proof Via mail so I can verify it was some os was fraud they came back and need to file a report before they can release information with Law enforcement sound like the are protecting the criminal, not the consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize to open a line of credit with XXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.

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 2022-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Hello- I am reaching out as I had a major problem with my student loan service company, Aidvantage On XX/XX/XXXX, I logged into my account due to a notification in my inbox that I needed to read a document. I read the mentioned message then clicked to view my actual account. Upon review of my account, I shocked to see that my current balance for my student balance had doubled in size although I never requested more funds. 

I recently took advantage of the student relief programs that have been offered to the public to receive a refund on any payments made during the forebearance as well as the application for cancellation of up to {$10000.00} of eligible student loan holders. Due to ongoing payments that I made during my Graduate studies my balance consisted of one direct loan totaling {$9100.00}, which thanks to the program would be wiped out once approved. However, when I saw my balance today it consisted of two direct loans one of XXXX & another of XXXX that now totals {$18000.00}. Additionally my total payment history has totally wiped clean. 

I believe that Aidvantage who my debt was transferred to from XXXX originally, simply placed the {$9400.00} that I was supposed to receive as a refund onto my account. I feel like this wildly irresponsible of a financial institution due to the potential ramification that it could hold on my credit. I am incredibly frustrated with this situation and hope that this will assist in resolving the problem. I have also sent over an email to Aidvantage through their email portal as well explaining the information.

Company response to consumer: Closed with explanation