vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Multiple times I've tried to transfer money from my venmo account onto my debit card. I ended up emailing them and they said the problem was I was either using a fake name or to do a bank transfer instead of a card transfer. But then I try adding my bank to my venmo account, it gives me an " error '' page. I click add bank, then I click the bank button, then it says " Sorry, an error occurred. 
Our development team has been alerted and we are working hard to make sure this doesn't happen again. '' It's been saying that for over 3 months now. 
All I want is a way to get my money I have on the account, into my bank. But they're very flakey and give vague answers or barely even pay attention to my emails or don't even care enough to find a solution for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 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: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

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 2022-11-12 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: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On, XX/XX/2022, I received a debit card from Bank of America with a different last name that is attached with my social, DOB, and physical address. I called XXXX  fraud dept to let them know this isnt me. I do not bank with them. XXXX  refused to give me any information. The representative closed the acct, gave me a confirmation # and advise I contact the credit bureau and the SSA. I asked if I could contact the FTC. XXXX didnt understand what I was asking. A picture ID is required to open an acct, and this information isnt available. 
Is this XXXX XXXX again but under a different entity?

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 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
FREEDOM DEBT RELIEF HAS NOT REFUNDED MY MONEY. AFTER I SUBMITTED MY INITIAL COMPLAINT TO THE CFPB, MY INFORMATION WAS SOLD AND I HAVE BEEN GETTING EXCESSIVE EMAILS AND PHONE CALLS FROM FREEDOM AND ITS AFFILIATES. I DO NOT WANT THIS COMPANY HARRASSING ME. I NEED THEM TO SEICE AND DESIST AND I NEED MY REFUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My little XXXX XXXX XXXX kid use my XXXX to order kid meal from XXXX {$25.00} without my permission. I cancel that order right away and never received any order ( restaurant didn't make it ). I call Citi to dispute this charge cause I didn't recognize. They refund me, but a month later, they charge me again from Citi XXXX card ending XXXX  I didn't agree this result, so I chat someone in Citi. She said she already successful credit me back. Let me wait 2-3days, credit will refund to my account again. But 10days already, I received nothing.

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 2022-11-13 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: OH

Complaint narrative:
I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. Equifax, XXXX, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! Equifax, XXXX, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! Equifax, XXXX, and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999 by sharing and selling my nonpublic personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: OH

Complaint narrative:
I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! XXXX, Experian, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! XXXX, Experian, and XXXX  are in direct violation of the FCRA and Grain Leach Bailey Act of 1999 by sharing and selling my nonpublic personal information without my consent.

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 2022-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
My account transfered from XXXX to Citizens bank account with XXXX as it was being used to receive credit card rewards. Upon transferring to citizens I learned that the interest rate was essentially nothing when every other bank is doing better than them. I have tried on multiple times to contact them with it's either long holds and you can not reach anyone or call another number. I have learned that they want to start charging me a XXXX fee for not having XXXX $ in the account or direct deposits going there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXXXXXX XXXX, Account Number # XXXXXXXX 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 explanation
Consumer complaint received 2022-11-12 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: 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. 

XXXXXXXX XXXX XXXXXXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: 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 XXXXXXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: GA

Complaint narrative:
There are unauthorized businesses on my credit report. XXXX 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 2022-11-12 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: GA

Complaint narrative:
There are unauthorized businesses on my credit report. XXXX na XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

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 2022-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I am writing to You in regards of My Loan Modification that I have been having issues with for over the past year and a half. The documents sent out by Flagstar Bank have had incorrect Maiden name on notary paperwork so we could not proceed. The next batch had incorrect name on the Deed of the home so We could not proceed. The last modification has a XXXX XXXX added since it was not on the original, another error by Flagstar. My initial rate was XXXX XXXX and now They want Me to sign docs@ XXXX XXXX. I am requesting that Flagstar Bank keeps the original terms@ XXXX XXXX due to many technical errors on Their end and XXXX years to fix.

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 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX  XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with TransUnion which is normally locked to look at utilising XXXX which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining XXXX XXXX. Upon unlocking the credit with the actual provider TransUnion which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company XXXX; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted XXXX information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in XXXX - XXXX ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.

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 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
on XX/XX/2022 a company called ERC reached out to me about a debt from XXXX XXXX. They told me I owed a debt from 3 years ago, which confused me because I am still an active XXXX customer. I called XXXX, they said the debt was for old equipment which I didn't give them back after moving, I called back ERC and paid the debt. 

My wife then told me she paid for setup and the tech took the equipment. XXXX has since verified it does in fact have our equipment. They " accidentally '' sent me to collections because they never even checked their own systems at any point over 3 years for my equipment. XXXX is now refunding what I paid ERC but is being extremely difficult and told me it may only refund me in prepaid gift cards. However my credit score dropped XXXX points on XX/XX/2022 over a false debt which XXXX should have caught much earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: FL

Complaint narrative:
I XXXX, XXXX Authorized Representative for XXXX XXXX TODAY Date : XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character.. Dear Sir or Madam I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. agency TRANSUNION sent a letter stating that TRANSUNION had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. XXXX. Account name : XXXX XXXX XXXX Account number : XXXX Chargeoff, Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

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 2022-11-12 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: OH

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