vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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 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 explanation
Consumer complaint received 2022-06-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX and Equifax have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Experian, XXXX and XXXX have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX 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 2022-06-12 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 XXXXXXXX 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

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 2022-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have not received any VALIDATION NOTICE, LETTERS via mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: VA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXXk XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act 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

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 2022-06-12 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: VA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX 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

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 2022-06-12 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-06-12 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: AL

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

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 2022-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I attempted to purchase an airline ticket using my Paypal account on XX/XX/XXXX. I didn't have the proper funds when Paypal attempted to withdraw money from my bank. I called my bank ( XXXX ) once I discovered the problem to cancel the payment to Paypal which they have done successfully. Paypal is still holding me accountable for the funds and I have a negative balance according to them. I have attempted to contact XXXX XXXX  via phone as well through email and haven't talked to a single person due to long wait times. I do not have a reference number or booking number with XXXX XXXX, never received confirmation that I have a ticket through them. I am still waiting to hear from XXXX XXXX  regarding reference number/booking with my most recent email on XX/XX/XXXX. In the meantime, paypal is still requiring me to pay the negative balance. I have asked my bank for assistance and they have informed me I have done everything right from their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 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 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 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 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. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also 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 2022-06-12 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2022 PayPal will not allow me to login to my account because I do not have a mobile phone or a phone that provides texting. Last week I talked to customer service and was told that I would have to get a mobile phone. I asked to talk to supervisor and was told that the supervisor would not do anything for me and then was put on hold for supervisor for XXXX hour before I hung up. 

We can not get cellular service at our house because it is in a low spot. We only have a land line and our phone is not capable of receiving text messages. I was told they will not send a vocal message to our land line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I received a call from my bank 's local branch BB & T stating they had been notified by the fraud department that there had been fraudulent activity in my personal account where a check was cashed by an individual in Texas. I immediately went to the branch and filled out an " Affidavit of Fraudulent Activity '' which was sent by the bank representative to their Fraud Department which later they stated they never got is so I went to a different branch and the Vice President emailed it again. I later confirmed with the Fraud Dept they had received the affidavit and an investigation was going to be conducted but due to the type of transaction it may take a while. I followed up for month until I was told that the case was closed and they had not found any fraud and no reimbursement was due back to me and never received any correspondence from them stating so. Numerous people had the same issue and they were blaming it to technical issues during the merger ob BB & T & SunTrust.

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 monetary relief
Consumer complaint received 2022-06-12 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: AL

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

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 2022-06-12 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I tried to use XXXX  to receive a payment on XXXX for some snow tires I put on XXXX XXXX  They wanted a business account for the XXXX. And had to pay XXXX dollars and in order to get that money back, I'd have to refund them. 

They said they sent the XXXX twice and in order to get the money back I'd have to send another XXXX With chime banking pay anyone feature I sent them XXXX in total and never got the money back, I asked chime to help get my money back and they didn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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:
n accordance with the Fair Credit Reporting act 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.

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 2022-06-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Closed account appeal. Complaint XXXX market as close. While I carried a balance everything was fine with the periodic reviews you claim on the response, I had extraordinary payment history and the company was making money on interest charged. Once the balance was brought down to zero you closed the account during the middle of the pandemic and too away the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
This is in response to Complaint XXXX. 

I am grateful for Village Capital working with me to modify my loan in XX/XX/XXXX. For that, myself and family appreciate it. 

However, I contracted XXXX XXXX in XXXX of XXXX. I notified Village Capital that due to XXXX XXXX, I lost my job and was unable to pay due to this hardship. I got behind in my mortgage during this time in or around XX/XX/XXXX. I was unable to 'catch up ' as I lost my job. I was then waiting for my new job to start. I am asking for your understanding as this was very stressful on my family and the entire nation. In fact, stressful on the entire world. Village Capital continued to mark my credit as late, did not work with me immediately. Clearly in violation of the spirit of the CARES Act. 

I appreciate your compassion, understanding and cooperation to help me and family move past this difficult time. Village Capital finally helped me in XXXX of XXXX with the loan modification. I called dozens of times asking for assistance. I almost lost my home! Thank XXXX XXXX XXXX in lost mitigation was able to help after months of requesting help. For that, I send her blessings everyday and I truly appreciate it. 

Additionally, I have not been late on my mortgage since the modification. Please assist me and my family with this gesture. We can debate some of the facts for sure, however in the spirit of cooperation, understanding and compassion- we appreciate Village Capital assisting a gracious American citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
*in accordance with the Fair Credit Reporting Act XXXX 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX 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 account without my written instructions

Company response to consumer: Closed with explanation