vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the FAIR CREDIT REPORTING ACT the account below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  account # XXXX 15USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) sec 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 convictionsof crimes of which antedates the report bymore than 7 years I did not give written permission to Experian credit reporting agency to publish XXXX XXXX Account ending in 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 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime Dispute # XXXX On XXXX I noticed that a fraudulent transaction not approved or made by me appeared on my Chime account in the amount of {$260.00} on XXXX, at a location in Florida. I contacted Chime immediately who cancelled my card and reissued me with a new one. A dispute was then filed with Chime on XXXX and a temporary credit was placed on my account on XX/XX/XXXX in the amount of {$260.00} to cover the amount debited. 

On XXXX, Chime contacted me by email and provided an update that their investigation into the case had concluded but they had found no issue with the transaction. In summary, Chime decided that the transaction was valid and that they intend to overturn the XXXX dispute, and the temporary credit on my account is to be returned to them. No evidence of their findings were provided and I continue to wait for the documentary evidence to support their investigation and outcome. 

I opened a rebuttal with Chime on XXXX  and provided documentary evidence that I was at work on XXXX in XXXX XXXX and could not have used the card at the location and time the fraud occurred. The transaction was made some XXXX miles away. The rebuttal was rejected within 12 hours of submission again with no clear adjudication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I made a principal payment of {$9900.00} on XX/XX/22. US Bank withdrew {$9900.00} from my XXXX XXXX checking account. However, US Bank has not given me credit for the principal payment. US Bank shows on my account activity a payment of {$9900.00} and then a payment reversal of {$9900.00}. When I spoke with customer service manager, I was assured that the {$9900.00} would be returned to my XXXX XXXX checking account. When after nearly a week I did not receive the {$9900.00}, I called back US Bank. I am now told by the customer service representative that the {$9900.00} seems to be lost in the process and was told an investigation has been requested. The investigation will take about XXXX business days. I want the {$9900.00} returned to me immediately and I do not want to be charged the interest on my XXXX  loan for this amount while my money is missing due to the fault of US Bank.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-29 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: TN

Complaint narrative:
I have two inquiries on my consumer report that I didnt do. I tried calling each companies they told me it was nothing they can do. I called transunion they told me it was nothing they can do. I have two inquires that are unauthorized. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank )

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/ I submitted a complaint regarding Transunion 's failure to properly investigate a dispute on my credit file ( XXXX  ) On XX/XX/ I received a letter from TransUnion in response to my complaint stating they were not able to process my dispute because they were not able to determine the nature of my dispute. This has been ongoing issue, with TransUnion 's ability to correct errors or false collections on consumer files.

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 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair Credit act COMENITYBANK/VICTORIA That is reporting different account numbers to all XXXX credit bureaus has violated my rights. Per fair Credit Report act Laws you can't have a pass due balance on a closed XXXX XXXX account. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Provide the orginal copy of the written notice of debt sent also provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Provide the orginal copy of the written notice of debt sent also provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received no response. I then mailed a second letter validation letter, which they received on XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have know knowledge of these inquiries.

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 2022-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Not long before I filed for divorce, my husband and someone using my identity applied for a loan with Mercedes in my name, and the name of my husbands company that I was not part of, without my knowledge. All mail regarding this account was being sent to my ex-husbands house. The account was opened on XXXX  are date of separation was on XXXX  when I moved out of the marital home my personal belongings remained in the home until XX/XX/XXXX. Our divorce was final on XXXX He died on XXXX. After his death, I started receiving his mail. I received something saying my car was going to be repossessed as I was in default. I didn't know I had a car loan in my name. I immediately took the car back to Mercedes. 

I did not work during my marriage because my husband wanted me to stay home. I did not receive any income. I wouldn't have qualified for any loan. I have tried to get the voluntary repossession off my credit report. I didn't apply for any loans. I was a victim of identity theft. This account only reports to XXXX. That is the only credit bureau I wasn't monitoring. For that reason, I was unaware of this account until my credit was pulled while applying for a mortgage. 
I have received a copy of the original application from MB Finance who was able to get it from the dealer, even though the dealer said they didnt have anything on it. I am attaching it to this complaint. You will see five completely different signatures on the same page. I filed an identity theft claim REF # XXXX that I have filed listing this account. MB finance says they can't do anything about it if it was fraud at the dealer. They referred me back to the dealer to get it taken care of. I have spoken to several people in the finance department including XXXX and XXXX. I have left messages for their finance director without a returned call. The dealer says they can't do anything about it as they don't have the documents anymore, due to this account being aged. They say it would need to be rectified by the finance company. I have spoken to multiple people both at the dealer and the finance company and have not received any resolution to this problem. 

I am told that 7 years from the date of last activity, the negative remarks should be removed from my credit report. That means, this month on XX/XX/XXXX, the account should have fallen off my credit anyway. However, now the date of last activity has been updated to XX/XX/XXXX. Per MB Finance ( XXXX ), the car was voluntarily surrendered in XX/XX/XXXX. No further activity has occurred on the account yet per Financial they re-reported it on my credit on XXXX they have not sold the debt and could not give me an answer s to why they re-reported it to only 1 credit buare, they stated it may have been a mistake but there is nothing they can do about it now. So why does it now say XXXX It does coincide with the last date reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/2021, I requested Experian to correct my personal information. I never received a response from Experian.

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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: OK

Complaint narrative:
on XX/XX/2021 I settled a debt to Jefferson capital systems , LLC for {$2200.00} that XXXX SOLD to them on my behalf without my permission. Jefferson cap. then furnished my credit report without my consent to try to collect debt on behalf of XXXX. Before doing my own research on legalities and identity theft, fraud, and defamation of character I went ahead and paid this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction 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 reporting agency if the person knows or has reasonable causes 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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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 1681XXXX XXXXXXXX XXXX  # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction 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 reporting agency if the person knows or has reasonable causes 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 2022-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
TIAA Bank, who's payment address is XXXX XXXX XXXX, XXXX, PA XXXX, took over the servicing of my 2nd mortgage on my home in Florida a few years ago. Every month I send them my on time payment at the beginning of the month, from Florida, in an amount more than the minimum due. The payment should reach XXXX in no more than 4 days. But every month TIAA does not credit my payment for 3 weeks. I send my primary mortgage payment to from Florida to California and my account is always credited in about 4 days. I telephoned TIAA bank on 3 occasions but received no satisfaction on the matter and they continue holding off on crediting my payment in a timely manner. The last time I called I asked to speak to a supervisor. When I explained the situation she responded in a sassy manner by asking if I wanted her to give me their California payment center to send my payment and offered no real resolution to the problem. Again, this month, I sent my payment before the due date and as of now the payment is still not credited to my account. I believe TIAA is holding off on crediting my payment in order to drive up the interest I pay on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-29 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA, XXXX Cur : XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : Report # : XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquiry date XXXX XXXX XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, 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