vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX h

as 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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and 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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On Sunday XX/XX/2022 I contacted M & T bank formerly Peoples ' United Bank since they did not move any bank statements from People 's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last years worth of statements. I received a message that the statements were ready but that was only for the month of XXXX. So now I have XXXX and XXXX of XXXX. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. So after all the waiting I speak with the specialisXXXX and told her the situation and explained I need this info ASAP. She tells me it's in process since I made the request 2 days ago so I only have 8 more days to wait since it's 10 days for this request. I explained that is not going to work as this is my bank info and I needed it in the next day or so. She explains that it is my fault that M & T sent a message to the future customers that it was their responsibility to grab their statements from Peoples United and she could not help me. I explained that this was not reasonable and that just because- And as I was trying to explain this she hangs up. And it was a definite hang up. I will be closing my account with M & T but I need my statements that should have come over from my previous bank and sooner than 10 days. This should have already been done when switching over the systems as was done when People 's United took over United bank a few years ago when we had to go through this process then.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX  charged account off and is still reporting account as late and passed due which is an FCRA violation. They wrote debt off for tax purposes without providing proper documentation to me. When an account is charged off it must not report a PAST DUE amount nor report monthly as CO which they are currently doing. Ive submitted numerous investigations to the bureaus and notified the company of their violations. 

This account couldnt been verified or investigated properly because its not even being reported correctly. Another federal violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX charged account off and is still reporting account as late and passed due which is an FCRA violation. They wrote debt off for tax purposes without providing proper documentation to me. When an account is charged off it must not report a PAST DUE amount nor report monthly as CO which they are currently doing. Ive submitted numerous investigations to the bureaus and notified the company of their violations. 

This account couldnt been verified or investigated properly because its not even being reported correctly. Another federal violation.

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 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank continues to randomly shut off my credit card with no advance warning and no attempt to proactively contact me. They have my phone number and e-mail address but I never find out about their issues ( usually false fraud alerts ) until my card is randomly declined. Reference previous complaint XXXX. 

Today my card was declined for a recurring bill payment and I am now responsible for a {$35.00} NSF fee with my utility provider. Making matters worse, Synchrony won't even engage with me to find out why this happened, they claim I need to prove my identity and the only way to do that is by submitting a selfie and my photo ID to them. I attempted to do exactly this and they rejected my Photo ID because it is a United States Passport and not a State Issued Driver 's License. 

Why is a valid US Passport not sufficient ID to do business with an FDIC insured and Federally regulated bank? They now tell me I have to wait for some letter in the mail, that will contain further instructions, meanwhile I have to invest hours of my time to move other recurring payments off this card, so they aren't likewise declined, and I am out that time and the {$35.00} NSF fee. 

This card has been in good standing the entire time I've had it, never paid so much as a minute late, never not paid in full, but they continue to randomly block me from using it for no obvious explanation and in this instance are not even willing to help me get past the issue without resorting to snail mail, in XXXX, all because my US Passport isn't sufficient proof of my identity.

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 2022-10-12 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: IL

Complaint narrative:
Wrote to All 3 credit reporting agencies, nice letters that convey the lack of movement ( stagnation ) FICO score for over 20 years! Transunion is the worse by far. Their score was XXXX as of XX/XX/2022. A young man i know crashed his car With no insurance and his is XXXX in just a year, i have tried EVERYTHING, my payments are exceptional, a debt of {$2900.00}. Good Pension, Rental income and i live rent free in the 4th apt ! no bankruptcies ... All this is telling me is the industry itself is not doing their due diligence in following up on anything. They even stated my letter was illegible even though i printed it. XXXX by the way is at XXXX ( checked yesterday ) so while I did argue with the customer service rep. today, Transunion wanted my birth certificate and other info. As a business the requests that when a SS number suffices on the internet, Why on Earth do you need a Birth Certificate to prove Who i am ... makes no sense. The Credit industry needs to be totally revamped as they caused me to Not getting a Refi nor a Heloc loan just 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 2022-10-12 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Today XXXX of XX/XX/2022, i called XXXX for Identity theft as an alert was sent. It was not me. that applied to a credit card with Chase Bank. JMCPB CARD was applied by another person, resulting in identity theft. 
I called XXXX they put a fraud alert. I called Chase and was told that department was closed. Need to call again tomorrow for them to also file a fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've asked this company to send me a copy of the original contract with a wet ink signature with the verberage indicating I agreed for any account to be sent to a debt collector because I have no business with Portfolio Recovery Associates and they've refused, also the debt in question last payment date with XXXX XXXXXXXX XXXX  is XX/XX/XXXX. Portfolio recovery is reporting this as a new account as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a XXXX mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions Thank you very much Delete from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a XXXX XXXX and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions Thank you very much Delete from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I am enrolled in AutoPay with XXXX Mortgage and early in XXXX, I added a replacement bank account for the autodraft. XXXX XXXX 's website, I specifically set the new account as the default account and checked on this more than once in XXXX, way before the draft date of XX/XX/22. XXXX 's site would not allow me to delete the original account. On the draft date of XX/XX/22, they attempted to draft the mortgage payment from my original account which was depleted. My bank charged me an overdraft fee of {$35.00}. I called and talked to the XXXX web services team on XX/XX/22 and they told me that they would need to wait XXXX hours before they could make any adjustments to my draft settings in their system. On XX/XX/22 the XXXX system attempted the draft from the same original account, and due to insufficient funds, I was again charged a {$35.00} overdraft fee. On XX/XX/22 I again called and talked to the web services team multiple times to try to fix this problem and somehow in the process, my online account was deleted. I had to re-register with XXXX 's site. 

I immediately re-registered for XXXX and wanted the mortgage payment to be autodrafted from my bank account on a set date every month. It appears their system is still not working. I use this bank account for multiple autodrafts every month and never have a problem, except with XXXX. I have verified and re-verified my bank information in their system. But the autodraft is still screwed up. And in the meantime i am getting hit with late fees and credit reporting to the reporting agencies. 

Over the last two plus months I have used their message system on their website trying to resolve this and submitted the requested docs. Then all of a sudden they go silent on their message system and start with the threatening letters by mail. I have called multiple times wanting to resolve this and am told i need to speak to a supervisor. One is never available so I request that a supervisor call me so that we can resolve this. Have not received a call yet. Just threatening letters in the mail. 

I owe them 3 months payments which i am more than willing to pay, but need to get these issues resolved. 

I am requesting a phone call from somebody that can research my account history and has the power to make a decision. 

I am also requesting they drop all late charges, and reimbursement of overdraft fees from my bank. 

I am also requesting a withdrawal of any and all credit reporting to any agency that has been reported to. 

Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXXXXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXXXXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Received letter in mail saying I owe a XXXX XXXX  XXXX cents and I never been to this gym not one time or signed up for this membership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a XXXX XXXX and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much Delete from my 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 2022-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I saw a post of facebook for a XXXX item for sale. I contacted a XXXX XXXX to purchase the item for {$330.00}. Paid the {$330.00} on Zelle and the item was never shipped. Paid to husband 's Zelle account and then asked me to cancel and repay to her son 's account. Requested her to refund me several times. Then she asked for more money to ship. Now saying my loss XXXX Zelle account : XXXX XXXX XXXX Son 's Zelle account : XXXX XXXX XXXX My Zelle account is through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.

Company response to consumer: Closed with explanation