vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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:
T he Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries  : 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

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 2022-05-20 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:
The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. 
They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: CA

Complaint narrative:
I mailed out letters to XXXX and Transunion on XXXX. They have yet to respond to my dispute of inaccurate information being reported and it been over 30 days. They are not adhering to their own policies with response time.

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 2022-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I have been trying to get the title for a lease vehicle that has been paid off since XXXX XXXX XXXX. The original title was sent in with the payoff check in XX/XX/2021. I kept calling to see where my title was. XXXX said they did not get my title. They got the check and the paperwork. They said it was my problem. They said it needed to send an odometer reading, which was done many times. Then they said I had not paid my personal taxes. They never sent them to me because they had no interest in the vehicle. I have been hung up on, screamed at and called a liar. I paid personal property tax for a state I have not lived in for XXXX years because they said if I pay them they would release the title. That was XXXX months ago. Now they say a duplicate title was sent to XXXX XXXX but it was filled out incorrectly. XXXX says they will not sign the title, even though they sent a no interest letter. I have been making payments to my credit union for a year, but still have no title. My tags are up at the end of XXXX. I will have to pay a XXXX dollar penalty for not having my new tags. This is not right. I paid personal tax for the wrong county and now I have to pay a penalty for something I did not do. Please help. I dont know what else to do.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : 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

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 2022-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried on several occasions to repair my credit with equifax, XXXX and XXXX for the ELIMINATION of accounts that are being reported incorrectly. several accounts are in XXXX but the account status is open, the last dates of activity are reported differently in each credit bureau, how is it possible? I have sent them letters where I point out the errors in the accounts and they ignore my request. 

The accounts I need removed because they violate the FCRA ARE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX The balance owed on this debt is allegedly XXXX and the highest balance is XXXX, this is a violation of my right to a Fair Credit Report. 

XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX This account is reporting the last activity date differently in equifax and XXXX, late payments are also reported on different dates, I am entitled to fair credit, errors like these are unacceptable XXXX XXXX XXXXXXXX account number XXXX This account is reporting the balance due other than the highest balance,. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX account number XXXX The last day of activity, account status on this account are reporting differently on the XXXX credit bureaus. i have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX XXXX XXXX account number XXXX The last day of activity, last payment on this account are reporting differently on the XXXX credit bureaus. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX  Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMorgan Chase unexpectedly closed all of my accounts including two checking, savings, and two credit cards without explanation. I received a letter indicating that it was due to a " connection to a publicly reported financial investigation '' but upon inquiring about the reasoning, the bank refuses to give any information about the investigation. 

I am not under any investigation that I'm aware of, and have no knowledge as to what this could possibly be about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: LA

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 2022-05-20 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: LA

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 non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I bought music equipment from the merchant. It was several items. They sent in two separate shipments. One shipment arrived and one shipment was returned to the merchant. The merchant will not credit me for the items I didn't receive and they will not respond to my requests for a refund. Paypal Credit/Syncrhony Bank will not help me and refuses to chargeback the merchant. I have sent proof from XXXX that the merchant received the items back and I supplied emails stating the merchant would refund me upon receipt of the items. Paypal credit has denied my dispute 3 times now and will not provide me with a reason.

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 2022-05-20 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 actXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account 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 2022-05-20 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: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reported on my Credit Reports : XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00}

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 2022-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Georgia Student Finance Authority
State: TX

Complaint narrative:
I have a private student loan through Georgia Student Finance. On XX/XX/XXXX my loan was transferred to a collection company ( XXXX then to XXXX ). While with both companies I was in the loan rehab program paying {$300.00} per month for 11 months. In XXXX of XXXX, my file was suppose to transferred back to XXXX. When I called to get reinstated I was told that account went to another servicer and none of my payments were reflected. On XX/XX/XXXX I got a student loan interest statement stating I paid {$3400.00} in interest. The original balance of {$25000.00} is still being reported as delinquent and XXXX keep reporting to the credit bureaus monthly.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I got a card at Macys it was {$100.00} I used to make the payments on time but I got layoff due XXXX and thats why I cant keep pay it, I dont have a job right now

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 2022-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Please see XXXX. XXXX finally sent the loan modification documents. However XXXX willfully and intentionally delayed the documents in order to take adverse action against me. My house was damaged in XX/XX/2022 by excessive wind and hail. The insurance check required XXXX to endorse it. However, they are refusing to endorse the check and release payment, due to them claiming my loan was delinquent. This is a direct result of XXXX refusing to comply with the modification in a timely manner in order take adverse action against me. Due to delays resulting from XXXX 's actions, I have now suffered financial damages due to materials price increases, and having to come up with {$21000.00} to pay for the roof out of pocket, which equates to {$5600.00} over insurance company 's settlement. This increase is a direct result of Freedom Mortgage refusing to comply with the loan modification in a timely manner.

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 2022-05-20 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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2022 I sent an international wire transfer of {$9900.00} USD from XXXX to my Wells Fargo account in America. The first 3 digits of the account number were missing in the initial transmission so the funds ( {$9800.00} ) inadvertently went into another Wells Fargo customers account, even though the name and account number did not match. On XX/XX/2022, my remittance bank ( XXXX ) submitted an amendment to correct the account number. And then on XX/XX/2022, the remittance bank submitted a recall of the funds. 

I went to Wells Fargo on XX/XX/2022 and a complaint was submitted through banker A. Banker A said she can not directly call the customer who had my funds, but her bank manager could. I went to Wells Fargo 2-3 days later, either on XX/XX/XXXX or XXXX, 2022 and was told by the bank manager he can not take any action or do anything to assist me. The same day I visited the bank manager, the incorrect recipient transferred the funds into another account. I suspect communication took place between the bank manager and the incorrect recipient without any follow-up or without my knowledge. The funds were untouched for over a month until I visited the branch manager. I visited another Wells Fargo Branch location on XX/XX/XXXX, where Banker C followed up on the recall. However, since the recall was submitted on XX/XX/2022, Wells Fargo has made the required amount of attempts to the incorrect recipient and closed my case.

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 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are 5 accounts reporting on my credit that in fact do NOT belong to me. I have called them, filled out affidavits and I feel like a victim all over again. 
capital one bank acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had noticed that someone had hacked into my account and stole a total of {$4800.00} out of my account ( {$2000.00} on XX/XX/21, {$300.00} on XX/XX/21, {$2000.00} on XX/XX/21 and {$500.00} on XX/XX/21 as seen in document " Stolen Funds '' below ). I opened a dispute with the Bank of America Fraud Department 3 times, because they kept closing my claim, letting them know I was hacked, and we needed to do something to get the money back, and prosecute the thieves as that is grand theft, because my family was struggling financially and XXXX XXXX is a lot of money. Their fraud department ended up sending me a letter stating ( paraphrasing ) " we asked for the money back and they said no. Maybe you should ask for your money back directly from them? '' I had told them I was hacked and didn't know who stole my money. I was so angry with that response I ended up throwing the letter away. This was their response twice, and the third time I asked them to send me what information they used in their investigation to ensure this was a fraudulent situation. They ended up sending me a copy of my bank statement, the same one that gets emailed to me every month. They did nothing to investigate except " ask '' for the money back and when they were told no, did nothing else. They did not do their job to protect their customers and are very rude when you try to ask them questions that would help in the investigation like " who is the owner of the account that the funds were sent to? '' or " where was the person who hacked into my online account located when the funds were stolen? '' or even " what financial institution were my funds sent to? '' They have none of this information and don't intend to gain any of it. It has been about 7 months since my original complaint to them and they have failed to do anything to assist in us getting our money back. This complaint is my last effort.

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 2022-05-20 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was given a {$250.00} Visa Truist debit gift card from my mother for XXXX. Yesterday, XX/XX/XXXX, I tried to use it but first checked the balance to make sure the full balance was available. It was not. There were XXXX transactions made on XX/XX/2022 totaling {$240.00}. None of them were made by me. I do not recognize any of the company 's listed in the transaction history. I contacted Truist bank and they were not helpful. They said I had to contact each of the vendors and ask for the money back. I did not contact each company because some do not look like legit businesses to me. I have no idea how anyone was able to obtain the card number because I've never used it and it's been sitting in my home unused. 

The charges went to the following companies : 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 explanation