vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE COMPANY WHICH IS LISTED HAS FAILED TO ASSIST ME WITH MY PROBLEM WHICH HAS CAUSED LIFE VERY STRESSFUL AND HAS CAUSED ME TO LOSE MY JOB AND BEEN LOSING ON ALOT OPPORTUNITY. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was in XXXX XXXX visiting my brother on XX/XX/XXXX. I went to XXXX car rentals ready to rent a car. They told me they didnt accept chime so I had to go to a car rental that accepted chime or XXXX XXXX. Since you cant transfer money from different bank accounts to chime I transferred {$600.00} from my chime account to my XXXX XXXX  A few hours later chime returned my mobile check that I deposited on XX/XX/XXXX and made my account- {$1100.00}. I called them about it right when it happened and they told me they there was an error but they dont know why and that I should contact the person or employer who wrote the check to verify it basically saying the check was bounced. I told my HR about it and had them on the phone with chime and they told her the same things they were telling me that there was an error and they couldnt see why and that we should verify the check with XXXX. She then told them the check is verified and there were no errors on the check. I called them literally 7 times since this incident and they gave me the same answer every time. I deposited this check on XX/XX/XXXX and it was cleared and posted on my account. Now a month later the check was returned to my account and made me- {$1100.00}. Chime is a very shady business that I was warned about at a CAR RENTAL. They stole my money and wont admit to it. I just want my money back because this is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ERC
State: CA

Complaint narrative:
MY MAIL BOX WAS BROKE INTO XXXX XXXX MY IDENTITY WAS STOLEN I DID A POLICE REPORT. MY CHECK WAS STOLEN AND CREDIT CARD RECENTLY SOMEONE HAS GOT FULL EDUCATION IN MY NAME ALSO XXXX  XXXX  AND A CAR I HAVE BEEN FIGHTING TO REMOVE ITEMS FOR THE 2 YEARS NOW. ENHANCED RECOVERY COMPANY FOR THE AMOUNT OF XXXX OPEN XXXX  XXXX XXXX FOR XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX FRAUDENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America card ending in XXXX had two unauthorized transactions totaling XXXX. I wrote the company in XX/XX/2022 to file my fraud assertion. The company removed the amounts and then rebilled them claiming that my address was used as part of the transaction verification. I subsequently wrote back indicating the transactions were not authorized and that they needed to be removed along with any subsequently billed fees and interest. 
I continued to receive billing statements with the rebilled amounts plus fees and interest now totaling {$180.00}. 
I received a form letter recently that asked for me to call. Their records will show that I made at least two attempts to have my issue addressed but no phone agent was able to either direct me to the appropriate department or was able to assist with my account. 
In addition to a full credit for the fraudulent charges and fees, I need written assurance that any subsequent late payment reporting to the credit reporting agencies has been cleared.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Recovery Management
State: FL

Complaint narrative:
It has been brought to my attention that multiple fraudulent accounts have been set up in my name. This account looks to be a hospital bill which is a HIPPA violation. My personal information, including medical history, has been used to report to my consumer credit report. Please respond with the contract and all authenticated records of accounting, including tax filings. Send all of these documents within 30 days of receiving this notice. I am entitled to this information according to UCC9-210.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Since XX/XX/XXXX, I have written four certified letters ( attached ) to Experian regarding inaccuracies and FCRA violations on my Experian credit report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Despite my numerous requests, they have not corrected those multiple problems nor, and most importantly, they have not posted a Notice of Dispute for each of these accounts on any of my credit reports since my initial dispute back in XX/XX/XXXX, which is required by law and must be done within 30 days of being notified. These actions are clear FCRA violations and make me entitled to {$1000.00} per violation. 

In follow up letters dated XX/XX/XXXX, XX/XX/XXXX and recently on XXXX XXXX, ( attached ), I again asked multiple times why they had not posted a Notice of Dispute to my credit report and have never received an answer, an addition or a correction. I have attached the four letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as evidence of my requests and have highlighted in yellow the accounts we are discussing. I have also included my XX/XX/XXXX and my most recent XX/XX/XXXX Experian credit reports so you can see that despite my certified letters requesting my dispute of these accounts over the last 12 months, they have not added a Notice of Dispute in the comment section of any of the accounts I have reference above. I have highlighted in yellow on both credit reports all these accounts and the absence of a Notice of Dispute in their respective comment / remark sections. 

As youre aware under the FCRA, credit agencies are required to place a Notice of Dispute within 30 days on any account when a credit reporting agency is notified of a dispute by the disputer. Failure to do that is a violation whereby the violating credit bureau is required to pay statutory damages of {$1000.00} for each violation. The way I, and a judge, will see this, Experian owes me {$3000.00} for not posting my Notice of Dispute on these three accounts for the last 12 months.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is in regards accounts being reported by Experian, XXXX and XXXX. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from XXXX in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from Experian and XXXX. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.

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 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent {$1000.00} via XXXX to a XXXX XXXX for a XXXX, located in Missouri. On XX/XX/XXXX, it was determined that the XXXX  site is a scam and the kitten would not be shipped to me as promised via a sales agreement I received from the seller. I notified my local police department and filed a report with all the necessary information. I contacted my TD Bank customer service and was told they could not refund my money due to the fact it was sent via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
shellpoint mortgage should be finding out whos my lender, also the debt thats accuring on my mortgage, is from identity theft caused by inflation and covid 19. income do not match pandemic. this is inequality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover card implemented their payment protection program to my account without my knowledge or concent. Over the last XXXX years i suspect there has been close XXXX XXXX dollars charged to my account based off XXXX cents for every XXXX dollars of credit i have been rewarded. 

Dates and times for the past XXXX years are displayed in the attachments below. I was not able to go back more than XXXX  years in account history at this time. 



" Federal regulators conducted a year-long investigation into telemarketing and sales tactics used by Discover agents that misled consumers into paying for credit card add-on products they thought were free. These services included XXXX XXXX tracking, payment protection, identity theft protection and wallet protection. 

Discover card customers who were charged for XXXX or more of these products between XX/XX/XXXX and XX/XX/XXXX will be eligible for a refund based on the products they purchased and how long they held them. 

XXXX regulators said customers will receive a notice of the Discover settlement from Discover Bank. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive sent numerous letters and filed a previous cfbp compliant regarding XXXX XXXX : Account number : XXXX and this account is still riddled with inconsistencies that are conflicting and can not be true. All 3 credit reporting agencies are reporting different dates of the last activity, a different open date, different dispute statuses, and different dates of last payment. Ive added a screenshot to bring it to your attention. Continuing to report this inaccurate, inconsistent information is a violation of 15 U.S. Code 1681e ( b ) in which you failed to ensure the maximum possible accuracy of my credit report. 
I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/2016, XX/XX/2016, or XX/XX/2016. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. They did not respond with proof of me ever being late. TransUnion has not responded. Clearly, this information doesn't make sense and a proper investigation was not performed.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On the prior complaint Freedom Mortgage claimed to payoff my pass due amount of {$21000.00} funds with XXXX funds received. I believed the XX/XX/22 response when my account balance was lower on my credit report, but 2 months later- I'm led to believe it never happened. I never received the canceled VA standalone in amount of {$21000.00}, nor evidence they corrected my account as they stated. Instead, it appears they sent this balance to a collection agency called XXXX XXXX XXXX and the {$21000.00} that XXXX sent to payoff my past due balance and previously showed as " unapplied funds '' on my XXXX mortgage statement, apparently is now missing funds. Please investigate this mortgage company for fraud. They continue to be involved in illegal activities to hurt Veteran homeowners like myself. They have sent my personal information to a company who should not have my information. I will be contacting an attorney next if this is not corrected. This is aggravating my 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 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my checking account without any reason or explanation. I have not had access to my account online for over 5 years or more without any explanation or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : 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

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is in regards accounts being reported by XXXX, Transunion and XXXX. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from Transunion in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from XXXX and XXXX. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.

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 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is in regards accounts being reported by XXXX, XXXX and Equifax. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from XXXX in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from XXXX and Equifax. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.

Company response to consumer: Closed with explanation