vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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

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 2022-06-24 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: GA

Complaint narrative:
The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as Transunion, XXXX, or XXXX, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. Transunion, XXXX, and XXXX, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.

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 2022-06-24 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: GA

Complaint narrative:
XXXX XXXX XXXX, has violated my consumer rights of the Fair Credit Reporting Act - FCRA under 15 U.S.C. Sec. 1681i ( a ), - XXXX XXXX reported a debt collection on my credit report without verification / validation for two different Account Numbers : EXPERIAN : Account number : XXXX - in the amount of {$30000.00} XXXX : Account number : XXXX - in the amount of {$30000.00} - XXXX XXXX XXXX, did not contacted me before reporting information to the credit bureaus. 

- XXXX XXXX XXXX, has failed to provide information validating debt, written documentation, original agreement with original signature of said debt. 

- XXXX XXXX XXXX was contacted via certified letter and returned receipt ( attached ) to remove Unverified, Inaccurate, and incomplete info to credit bureaus. 

- XXXX XXXX XXXX, has persistently reported inaccurate and unverified information to credit bureaus since XX/XX/2019. 

Furthermore, 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.

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 2022-06-24 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: AZ

Complaint narrative:
I requested the removal of account to be removed from my report. I disputed XXXX XXXX the accounts are reporting incorrectly and the servicer transferred account to another servicer. XX/XX/XXXX Equifax complete4d investigation stating the account is accurate and will not be removing. XX/XX/XXXX I called Equifax to discuss all accounts with US Department of Education that needed to be deleted. I called US Department of education before calling Equifax and they sated they sent letter stating to delete all accounts. I requested the letter and put it in a dispute on Equifax to submit proof XX/XX/XXXX after talking to Equifax representative that stated they were not on my report and maybe my home lender has not requested a new report. XX/XX/XXXX checked my Equifax report and noticed the XXXX accounts remained on report and my lender confirmed that there was no changes. I called Equifax and the representative said the later states one account and it clearly say all loans with US department of Education. The employee refused to assist me in the matter and I requested a manger. The manger refused to acknowledge my request and as well as the letter and said nothing could be done. I later received a notification there was a dispute submitted. which I never requested a dispute and theses accounts should have been deleted from the XXXX dispute. They are hindering my report and keeping from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A 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 2022-06-24 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX REC has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MS

Complaint narrative:
XX/XX/2022, I contacted Chime to close my Chime account due to my card being lost. To my acknowledge, my account was permanently closed. XX/XX/2022 I became aware of Identity Theft on behalf of my XXXX yr old son and I. Through my XXXX account, I was able to find out that my closed Chime account was on XXXX XXXX I also discoved that my closed Chime account was on my credit and have been ACTIVE since XXXX XXXX. I contacted Chime XX/XX/2022 about my closed account and was told by customer service representative XXXX that the account was closed. I recieved an XXXX email same day stating that my request has been received and was being reviewed the member service team. As of XX/XX/2022, I have yet to hear anything back from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I sent money to a friend through Paypal, without checking with her first. Turns out, it was an account she used ten years ago, and she can't get into it. Paypal said they could help her, if she can " validate the account, '' but she can't. This is the only way either XXXX of us can access the money. It's absurd. She can't get the money, and I can't get it back. 

Please help us! The amount was {$46.00} that I sent to XXXX XXXX on XXXX XXXX, 2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was summarily closed after some 25 years of a solid relationship, our always paying the full amount charged each month. We are XXXX XXXX, XXXX with XXXX XXXX, the other XXXX XXXX XXXXXXXX XXXX, having only XXXX credit card. Thus it's closure leaves us without means to have groceries and other essentials delivered as the pandemic and our personal handicaps have necessitated. When I phoned customer service to remonstrate I was told the account was closed at my own request. If that is Citibank 's impression it could only be a mistake, perhaps due to misunderstanding telephone language or computer mishandling, and it seems contradictory to the paragraph in the card agreement pledging fair treatment to all regardless of age and limitations. I had earlier asked for a copy of the card agreement in an effort to understand the company 's interest system, since my last statement carried a significant interest charge for the very first time. The company has rejected my plea for reinstatement.

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 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC
State: CA

Complaint narrative:
Update : I contacted customer service and got no response. It has been over 3 weeks. I then called the mortgage company and was told that customer service should follow up with me, within a day... it's been over a week and no response. 

Everything was going smoothly, until a significant amount of their staff, including our underwriter, was laid off a matter of days before our closing. Our loan was given to a new underwriter, we were given completely new conditions, many verifying the same information from the previous underwriter, in a different way. We went from being told everything looked good to close, to needing a rate lock extension, that the company refused to pay for, despite the situation. ( With our previous lender, they automatically extended our rate, when the company was behind. ) Furthermore, our loan agent told us she wasn't sure if we could do a rate lock extension, and that our situation " is what it is. '' Neither she nor her manager were available the entire day of the rate lock expiration, until less than XXXX minutes before the rate was set to expire. The loan agent kept saying she'd call back, but then didn't, until XXXX minutes prior to rate lock expiring. I emailed the supervisor the day before with concerns about the rate expiring, with no response. 
While many advised that we go with a different company, interest rates had significantly increased, and so we stuck it out with this company, to save a significant amount of money. 
While the regional manager and the company vp took care of the situation moving forward, as far as making sure everything was done in a timely manner to close within the rate lock extension, the company never took ownership of paying for the rate lock, nor apologized for the situation they put us in, or the way it was handled. 
They also told me if this rate lock expired, they couldn't renew. 
When I pointed out that they had all of our documents submitted the month prior, and that if they had needed any follow up, they should have requested those documents weeks ago, not on day XXXX of a loan, their response was that it would have been nice if the first underwriter had done that. 
Anyway, it was an awful experience and I can't believe how poorly the company handled it! 
While hard or unexpected situations might arise for any company, such as many lay offs, the way they treated us in this situation, which they were entirely responsible for, was horrible. 
Furthermore, given their affiliation with XXXX, we had high expectations! 
I would never recommend this company to a friend or wish our situation upon anyone. 

I can provide any texts, emails etc, showing when docs were provided, when tjey were submitted, etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Net credit XXXX ran a hard inquiry on my credit on XXXX XX/XX/2021. I have never heard of this institution. I have tried over several months to call and email with Net credit XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-06-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX 2022 someone ran my credit through Barclays Bank delware. I never was in delware and I didnt authorize this credit check. This is complete 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 explanation
Consumer complaint received 2022-06-24 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A 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 2022-06-24 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A 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 2022-06-24 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Control, LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX me and my father 's identity were stole by my ex boyfriend he XXXX XXXX and took 2 of my phone 's at the moment and till this day I don't have a phone and my father is in XXXX well my ex boyfriend XXXX XXXX XXXX TOOK ME TOO A HOUSE WERE HE BEAT ME AND TOLD ME THAT HIS FRIEND WAS GON NA KEEP TRACK OF WERE I WAS AT ALL TIMES AND WELL NOW I RECEIVED MY FATHERS MAIL AND LOAN AUTO LOANS AMD WELL MY FATHER ISNT HERE I NEED TOO SPEAK TOO SOMEBODY ASAP PLEASE BEST CONTACT NUMBER IS XXXX XXXX PLEASE I NEED HELP TOMMOROW I WILL BE FREEZING MY FATHERS CREDIT WITH ALL 3 CREDIT BUREAUS

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The public information record of XXXX  XXXX Bankruptcy thats listed on my Experian, XXXX and XXXX XXXX credit report is incorrect. The public information record 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 2022-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filling a formal complaint and notice of Pre Arbitration with Synchrony Bank they have breached their own contract and have provided false and misleading information. I have placed a dispute with Synchrony Bank about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF the following accounts Old Navy Account without notice and reported negative remarks, TJ Maxx they lowered my limit my account and than closed the card which lowered my credit score with a closed account. Care Credit account they lowered my credit limit without notice have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute and Arbitration Agreement, it states that all claims arising from or relating to this Agreement and or Loan must be resolved by binding arbitration. Syncrhony did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft. Please take this complaint as a pre arbitration notice that I am taking before I file a complaint with the 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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
A payment was posted to my account XX/XX/2022 in the amount of {$7000.00}. I do not know where the payment came from because payment was not made by me. I contacted customer service few times but they were unable to help me as they could not understand what I was talking about.. I don't want to get in trouble so I asked them several times to return the payment to whoever made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
Can not create an account on Equafax and XXXX I do not have a smart phone and need one to get into these companies.

I did my best to verify my ID and it's still not good enough when I pass security questions. I also tried to buy services and could not buy even with my credit card.

Company response to consumer: Closed with explanation