vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form 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 2022-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
RE : Complaint against Santander Bank on behalf of my deceased mothee, XXXX XXXX XXXX 's unclaimed property. 

I sent this email with attachments on XX/XX/XXXX, at XXXX XXXX to Santander Bank District Regional Manager, XXXX, XXXX, XXXX, MA Bank Manager, and XXXX XXXX, is the bank relationship customer service XXXX. with this information you can read in the email below as follows : Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, As you can see, I have attached the Voluntary Administration Statement for the Estate of XXXX XXXX XXXX, my mother, that died on XX/XX/XXXX, that clearly states I am the appointed Personal Representative Named in the Will and have the right to my mother 's property, official check, or money order number XXXX, that was issued to her on XX/XX/XXXX and has not been negotiated. I am requesting expedited resolution by Santander 's release of the hold and a new check made payable to the estate of XXXX XXXX XXXX. 

If I do not hear from you as soon as possible, I will contact the Massachusetts Consumer Finance Office for the way this has been poorly communicated with me and handled by your bank. It is incomprehensible to me that the District Regional Bank Manger, XXXX XXXX, that I emailed to put a critical case request in with her to expedite this matter so it does not have to go to Massachusetts unclaimed property on XX/XX/XXXX. 
Sincerely, XXXX XXXX XXXX, daughter/ executix, appointed in Last Will and Testament of XXXX XXXX XXXX XXXX estate.

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 2022-08-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to keep an account on my credit file that is not reporting 100 % accurate, and contains missing information. The FCRA 15 USC AND 624 ( a ) ( 1 ) ( A ) state IF EVERY PIECE OF INFORMATION ON THESE ACCOUNTS MUST BE REPORTING 100 % ACCURATE OR THEY MUST BE DELETED FROM MY CREDIT FILE, THE FOLLOWING ACCOUNT IS NOT REPORTING 100 % ACCURATE AND STILL CONTAINS MISSING INFORMATION, THEREFORE EQUIFAX MUST REMOVE THE FOLLOWING ACCOUNT FROM MY CREDIT REPORT AS REQUIRED BY THE FCRA. THIHS HAS CAUSED MY CR3DIT SCORE TO SUFFER, AND I WILL SEEK MONETARY DAMAGES AS A RESULT OF EQUIFAXS VIOLATION OF THE FCRA. I HAS ENCLOSED PROOF THAT THEIR VIOLATION CONTINUES.XXXX. Account to be removed : XXXX Account XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX  as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX Equifax and XXXX. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of Californias usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX XXXX and Experian. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of XXXX usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.

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 2022-08-09 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:
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 USC 1681.

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.

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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- 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 2022-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Hello, I was applying for a HELOC with M & T Bank. I repeatedly asked for details of the loan and was not told of the interest rate or even given a copy of the loan documents until the notary came to my house with a copy. I was supposed to read over 100 pages at signing? 
Complete scam. Loan originator stated there are couple hundred dollars in fees and all of as sudden there was over XXXX in closing costs. I ended up not signing the documents. I gave them all my financial information, they came to my house and did an appraisal which i requested a copy and they did not provide. I repeatedly asked for the loan documents through out the process so i can review them and they said i was not able to obtain a copy, yet the notary had one? 
I asked for a copy of the appraisal and made a request and was never given that either. They even made me change my insurance to cover them.

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 2022-08-09 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:
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 USC 1681.

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.

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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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:
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 USC 1681.

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.

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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- 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 2022-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received a payment from a customer and PayPal withheld 50 % of my payment for no valid reason. PayPal 's policy states that if I exceed payments received by XXXX USD, which has not happened. 

and they do not give me an explanation of why they withhold it if it was a service performed, the attention by call never enters and in message they did not answer my question. 

I ask you to please help me because there is no reason for them to hold my money for 21 days or 7 days as they say. 

I will appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: DISCOVER BANK
State: GA

Complaint narrative:
The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX ; Inquiry Date XX/XX/XXXX -DISCOVER FINANCIAL SER ; Inquiry Date XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: Synovus Bank
State: GA

Complaint narrative:
The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX  ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -SYNOVUS BANK ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: KY

Complaint narrative:
according to credit karma i9 have been requesting a soft credit report every other day. i have not. i have closed the XXXX email associated with the account but it is still active

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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:
This is regarding Equifax breaching my Privacy rights and never giving Equifax written consent to receive or furnish my personal and private information. 
I have been effected by this coding error. 
They have erroneous and inaccurate accounts on the report that is effecting my livelihood and my reputation. 
They are violating their on Sharing data policy! I never gave them or any origination consent to report my private information. This is not a dispute! 
please see attachments. 
They have violated the FCRA, FDCPA the Graham Leach Baily Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account

Company response to consumer: Closed with explanation