vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
7 years ago I had purchased a vehicle for an ex that came to the point where the payments were to steep, we were told that the vehicle was out for repossession and with in the month was gone. 7 years later experian still shows its open and XXXX XXXX does a hard credit pull with out my permission causing my score to be to low to grind a place to live for my family and I I reached out to a lawfirm that sent a letter to both XXXX XXXX  and all three cra. 34 days later experian or XXXX XXXX has not responded.

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 2023-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-25 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: KS

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-25 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: CA

Complaint narrative:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they have also violated my rights under 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. 

The account : XXXX # XXXX is still reporting to my credit report Inaccurate information I received a letter from XXXX, Stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. This a violation of my rights

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 2023-02-25 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I have been out of a job since XXXX XXXX for medical reasons.My credit cards and car payment were over due by 3 months. I have my only checking account with First Tech and also a credit card and car loan where I have been a member for 20 years. I called the auto loan department on XX/XX/XXXX ( roughly {$3200.00} ) to ask for an extension so my car wouldn't be repossessed. I just started a new job on XX/XX/XXXX and it includes me driving around for business to business sales. I have direct deposit and was in communication to make payments with my direct deposit ( {$1000.00} ). They froze my accounts so I called again on XX/XX/XXXX. The woman was very rude and told me that the only way I can get my direct deposit was to have my job send my direct deposit to my savings account and she gave me the wrong account number. I got a loan from a friend and also sold my things and took work off to get this handled. So I had to take work off and brought a cashiers check ( {$4000.00} ) into the bank on XX/XX/XXXX. They could not unfreeze my accounts or give me any of my funds ( direct deposit or from the cashiers check ). They couldn't help me that day but said they were working on it. They did let me know that I would have to pay an extra {$340.00} for the investigator they hired to find my car even though I should have been current with the cashiers check. Since then I have gone into the bank on XX/XX/XXXX and twice on XX/XX/XXXX with still nothing resolved or access to ANY money. This seems wrong to withhold money from me considering I have been returning cans to put gas in my car and have been relying on friends for food. I am also a victim of XXXX XXXX  and have been diligent on getting my life back. 

Now my other credit cards are even more overdue even though I should be current and have money to not have them charged off. I also have not been able to receive the funds from my go fund me page or my tax return I should have gotten by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
fraudulent inquiries and address on my credit report, and the credit bureaus are reporting it without a permissible purpose. 

The inquiries and address are listed below : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-25 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There was a credit card for SYNCB/PAYPAL XX/XX/2022 inquiry that was reported on my transunion that I did not authorize. Please remove the inquiry as soon as possible.

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 2023-02-25 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: CA

Complaint narrative:
In accordance with the fair credit report act.This list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX XXXX XXXXXXXX acct # XXXX Account XXXX XXXX XXXX Account # XXXX ACCOUNT XXXX XXXX Serv Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX Account # XXXX has Violated my Rights. 
15 U.S.C 1681 section 602 States I have a 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 with out 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.other then conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s2 ( 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 2023-02-25 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: CA

Complaint narrative:
In accordance with the fair credit report act.This list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX XXXX  XXXX acct # XXXX Account XXXX XXXX XXXX Account # XXXX ACCOUNT XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX XXXX Account # XXXX has Violated my Rights. 
15 U.S.C 1681 section 602 States I have a 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 with out 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.other then conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s2 ( 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 2023-02-25 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: KY

Complaint narrative:
I disputed the opened XXXX XXXX XXXX account that was opened on my Transunion report. I provided credit card receipt showing the original charge was paid on credit card. I disputed the account and Transunion did not remove the account as I asked.

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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: MD

Complaint narrative:
Back in XXXX, I reached out to Klarna about an unauthorized charge. For the past few months, Klarna has ignored my cries for help. They will tell me to call them to investigate. I call in and they don't do anything. I actually will receive emails telling me to call in by a person named XXXX. I even emailed him to say I am calling in. He is ignoring me and the company is refusing to help a loyal user of their services. And they keep stealing my card information and trying to charge me for something I didn't authorize. They are legitimately debiting a card that I have to give prior authorization for the payment to be complete. I am not giving my consent nor will I give my consent to have an unauthorized charge debited from my bank account. I reported them to the XXXX and they will share that they tried to reach out to me to give further assistance. Then why do I have a series of emails ( that I will attach to this complaint ) showing them dodging the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
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 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 2023-02-25 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:
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
I received a debt collection notice from Mandarich Law Group LLP stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regard to the collection of a debt. Furthermore, if so, it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I made a transaction from my bank account {$1000.00} to Cypto app to transfer to XXXX exchange webinar. I was convince that we were making a good trades. I was told to put a more money in because there was a good deal coming up. so put more on Coinbase app on XX/XX/2023 to move over to XXXX. after making a good trades i was told to put more money in to the exchange another total of {$9900.00}. When doing the trades and made about XXXX millions USDT. When I was doing a withdraw i was told to pay the audit fee within 7 days or i will face fine and credit damage. In order to pay the audit fee i have pay for it by do the transaction for external wallet ( Crypto, Coinbase ) transfer to exchange. audit fee is total is {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a " High Yield Savings '' account at Synchrony bank on XX/XX/23. I funded the account via an ACH pull transfer into my Synchrony account from an external account I held at another financial institution. I submitted the ACH request at Synchrony on Wednesday XX/XX/23. The funds were withdrawn from my external account on Thursday XX/XX/23. The funds should have been received and posted to my Synchrony account on Friday XX/XX/23, yet the funds were not posted until Monday XX/XX/23. Synchrony did not credit me interest for the period between XX/XX/23 to XX/XX/23. 

I called Synchrony and asked for the missing interest to be credited. They refused. They claimed that ACH deposits can take up to 3 business days. I told them that XXXX, the institution which manages the ACH network, told me the transfer only takes XXXX days and that based on the dates I conveyed to them the funds should've reached Synchrony on XX/XX/23. XXXX also indicated that financial institutions who participate on the ACH network are required to post funds on the day they are received. I asked Synchrony to provide me a copy of the ACH transaction log, which includes the relevant dates including date of funds receipt, a log which XXXX told me is available to financial institutions. Synchrony refused to share the transaction log for my ACH transfer.

Here is the relevant funds availability clause from Synchrony 's account agreement : " Funds from ACH deposit transactions that we originate for you will be available for withdrawal on the fifth Business Day after the deposit has been credited to your account if the deposit is the initial deposit to your account and on the third Business Days after the deposit has been credited to your account for subsequent deposits to your account. If you register your external account with us and complete the Banks random payment verification process for that account, funds from all deposits from that registered external account will be available for withdrawal on the Business Day that we receive the deposit. '' Source : https : //www.synchronybank.com/documents/account-agreement.pdf I registered the external account on XX/XX/23 and entered the ACH random deposit amounts into my Synchrony account on XX/XX/23, after which the external account was marked verified. I initiated the ACH pull transfer using that verified profile the same day. In other words, I satisfied Synchrony 's stated requirement for funds being available " on the Business Day that we receive the deposit ''.

Based on my online research many other account holders at Synchrony have experienced similar delays in deposit posting and missing interest accrual.

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 2023-02-25 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: SC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/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 2023-02-25 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: SC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
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