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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  XXXX XXXX XXXX account # XXXX 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 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 2022-04-27 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: CA

Complaint narrative:
Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There was around {$5000.00} in unauthorized charges to my checking account a year ago. My wallet was stolen with my drivers license and debit card inside and used by an unknown unauthorized person. I have filed a police report and submitted all proof and documentation as required within their timely filing windows. I have spoken on the phone with them many many times with no success. I was told twice that the error was on their end as far as resolution due to a filing error. I was then told this was fixed and refiled and later was told that it was not. Then the account was closed with an egregiously erroneous negative balance due to the length of time that it was taking to get resolved. Now I am being harassed by phone calls about this account which was closed in error, due to being negative for a balance I did not owe. Meanwhile for almost a year now I have not had access to money that was mine in the account.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Approximately XX/XX/2021. My online banking was hacked. There was varies amounts involved. I will attach dispute letters that I received. ( I did not file a dispute on any bills ).. I am attaching a police report case number. Ive called every department in PNC bank. I visited the bank So Much the tellers and managers would go in back to avoid me. 
I lost my car in the process and paid off accounts were reopened.

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: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, Americredit reported a hard inquiry on my credit profile with the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

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: 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 Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

Everything has to be 100 % accurate on my Credit Report. 

XXXX Account : XXXX. 


The Consumer Reporting Agencies all report different information and only verify with a 3rd Party thus ifgnoring the right to privacy and 15 USC 1681 According to my written Instructions. The bottom line is, there are multiple in accuracies!!! Open Date is inaccurate, the late last active is inaccurate and the Date last reported is inaccurate. This is grounds for removeal. They also violated my rights inder the following : 15 USC 1681 Section 602A. States I have the right to privacy. 

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I was recently emailed by a representative of XXXX XXXX XXXX and she was properly notified of the Inaccuracies and made aware of the Law. She ignored the law directly and is willfully Noncompliant, whichis a violation Ferderal Law 15 USC 1681n. 
There is no End to the dagamage that this company and the Agencies are allowed to inflict on Consumers. 
The fact that They Reached out to me directly is a violation of Federal Law. 15 usc 1692c Communication when attempting to collect a debt. ENOUGH REMOVE THEM FROM MY CONSUMER REPOT IMMEDIATELY NO WAITING I submitted a previous complaint with the CFPB and the Attorney General 's Office. TheseCompany XXXX XXXX XXXX and Agencies refuse to follow any Federal Laws and continue volating my rights and costing me dearly.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have inquiries that I did not authorize or approve of.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I have inquiries that I did not authorize or approve of.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit companies, XXXX and XXXX are not complying with their own policies in a timely manner. Transunion has reinserted a account that was removed off my credit report under a different name called XXXX XXXX  XXXX XXXXhis from 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 — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit companies, Equifax and XXXX are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXX collection services this from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of 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: 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: CA

Complaint narrative:
Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed a proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.

Complaint narrative:
I received an SMS from the supposed BBVA bank saying that my account may be at risk that I should access the website ( they sent me a link ) The web looks real but when you put your data ( I invented mine ) it says that thank you and stays in loading mode. 
It's a scam. 
The website is the following one : XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
On XX/XX/2022 I was car shopping I got approved by XXXX and when I looked at my credit report, I see XXXX XXXX, XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX. I called all these places to ask to have these removed due not getting approved by them and they said they will not call the collection agencies. I did so and they turn and push it back to them. I need this gone off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
On XX/XX/2021 I refinance my mortage from Homepoint financial to XXXX. 

The main reason of refiancing was to lower my interes rate which did to XXXX and to pay of the florida partial laim of XXXX withc i was told they did. 

Apprently Homepoint did not send the payment of my partcial claim. 

Please I need your help how can they lie to me above something like that. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was in charge of my refinacing. 

something is not right. 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: OR

Complaint narrative:
Recently received a notification of a debt from a unknown collector that I have never had a contract in place with. They sent a copy of a contract and invoice with unrecognized fees, interest and tax. I requested them to provide me. Breakdown of how the fees were calculated but thats not what they provided. Under the fcra I am allowed to have breakdown on how theses fees were calculated.

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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was scammed through XXXX XXXX on XX/XX/XXXX. A person claimed to send me money for an item through XXXX ( {$300.00} ). I then got a fake email from XXXX saying to receive this amount I must upgrade to a business account by having the customer send XXXX {$200.00} and then I send it back. Never using XXXX before I sent the {$200.00} back to the fake account and received no credit. I received no goods or services I was simply scammed by fake accounts. My bank denied the dispute that I opened after sending emails and messages to them regarding this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I reported account fraud with XXXX XXXX XXXX. 

This is a second fraud attempt to open an account with Wells Fargo on XX/XX/XXXX. 

They used my Social security number and XXXX  Drivers License Police report filed Credit reports all locked

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I went into forbearance back in XX/XX/XXXX and it ended in XX/XX/XXXX and was advised to make some kind of payment while I was In the process of modification of my mortgage, but if I couldn't not worry about it. Signed the paperwork for the modification in XXXX of XXXX, sent it in and was waiting on notification of the approval. Called XXXX in XXXX of XXXX for an update on if the modification was approved and was told it was still being processed that I would receive notification in the mail shortly. Called again over the next several weeks and months all the way thru XXXX. Finally got the notification of approval at the end of XXXX. By this time the mortgage was now behind for 4 months and they were demanding payment. I've tried several times to explain to chfa what was going on and most of the time they either don't answer the phone or dont call back when I leave a call back number. When I am able to get someone on the phone it is as if I am XXXX and don't know what I am talking about and that I should have been making payments regardless if I had an approval or not.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted several requests for validation of debit to Transunion and XXXX XXXX XXXX. They could not provide documentation that I opened an XXXX XXXX XXXX account or owed any money to XXXX XXXX XXXX XXXX XXXX XXXX. They refused to remove the negative collections remarks from my Transunion credit profile. 
XXXX agreed in writing to remove the derogatory remarks from my profile, but Transunion didn't fulfill its obligation. Transunion didn't obtain proof that the claim made by XXXX was valid, and even with a deletion letter, they failed to remove the negative remark from my credit score. 

I demand to have this corrected 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: 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: NJ

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, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # 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 no
t furnish a account without my written instructions.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy.

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

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: FL

Complaint narrative:
Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats

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 — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX. I am residing at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I went one day to pep boys for car service where I was told to open up pep boys credit card and get discount on services. Now the pep boys credit card is run by synchrony bank XXXX XXXX XXXX, XXXX, FL XXXX. This bank is such a fraud and wrong doing they have charged me ridcouoous amount of late fees. I called them today that is XX/XX/XXXX and they told me late fees have rounded total for XXXX XXXX Now I have been Keeping up all my accounts till now except synchrony because no matter how many times I tried I was not able to log in online on their mobile app or website. Every time I called their customer care they had ridiculous long wait times and then getting transfer to technical person through which even my account was not getting setup. They closed my account without my knowledge. Which I got to know today on XX/XX/XXXX. I am told today that my account was closed on XX/XX/XXXX. Since starting of XX/XX/XXXX they have fined me late fees as due to lack of online account I was not able to keep up with this bank payments. I have 2 other credit account which I have been keeping up in very good standard. And I have read in the customer protection a bank can not charge after closing the account this ridiculous late fees 1026.52 ( b ) 2 ) i ) ( A ). Few agents were helping me out to get rid of few late fees, other than that nothing. 
Please help me out with this issue find the following details XXXX XXXX Account number XXXX Contact number 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