vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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:
Recently I did an investigation on my credit report which caused XXXX beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % on correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on 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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2023 I did an instant transfer of {$270.00} from my Venmo account to my bank. This type of transfer typically shows up with 30 min. It has been 10 days and I still do not have my money and neither Venmo nor my bank can tell me where it is. Both are pointing the finger at the other party and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX # XXXX - {$130.00} XXXX XXXX # XXXX - {$79.00} XXXX XXXX XXXX # XXXX - {$290.00} XXXX XXXX XXXX # XXXX - {$790.00} XXXX XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX - {$370.00} XXXX XXXX - {$290.00} XXXX XXXX - {$50.00} XXXX XXXX - {$79.00} In accordance with the Fair Credit Reporting act XXXX  these accounts have 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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:
Below the following inquiries were pulled without my knowledge : 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 2023-02-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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. 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 2023-02-22 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: GA

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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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. 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 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. Santander Consumer USA 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 2023-02-22 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: Global Credit Union
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Account # XXXX ) and XXXXXXXX XXXX ( Account # XXXX ), have violated my rights. 

15 U.S.C 1681 section 602 A. states that 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 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. 

The name " XXXX XXXX is inaccurate and is not my name. The Telephone number ending in XXXX is inaccurate and needs to be removed from my personal statement. 

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 2023-02-22 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: T.S. Holdings
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-02-22 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I put a Despute in for credit exception company 2 years ago with XXXX and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help 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 2023-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new Checking Account with Truist Bank on XX/XX/2023 w/ an opening deposit of {$50.00}. On Thur. XX/XX/2023, I was advised by telephone banking that I needed to contact XXXX XXXX re : some type of status, that still has yet to be disclosed to me on the account. XXXX XXXX advised me to request a report and file dispute b/c there may be inaccurate information reporting re : my banking history, which has been in process and report is yet pending. On XXXX XX/XX/2023 My Employer XXXX sent my {$500.00} payroll direct deposit to this banking institution. I went in the branch to withdraw my funds per the advice of Early Warning. At that time Branch Manager, XXXX XXXX XXXX XXXX  XXXX, TX XXXX assisted me with withdrawing funds and closing the account. He also advised they see my employer direct deposit, and they are sending the funds back to my employer. It has now been 5 days that the return of my hard earned wages are yet pending. It doesn't take this long for direct deposit to be sent, and it shouldn't take this long for it to be returned. I find this to be an abusive practice, and my money is being held hostage. I have essential bills for my livelihood that have gone unpaid, and my creditors do not understand that the banking institution is holding my money for no valid reason. My livelihood, stability, credit, and my integrity are on the line here. 

This financial institution needs to be held accountable for their lack of integrity, and honor to me as a customer, and any type of fine or interest that they can grant me should be issued due to my financial hardship that has been caused by this case, along with an immediate resolution of releasing my funds is necessary with the utmost urgency. Thanks in advance for your time and assistance with regards to this matter. 


Respectfully, 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 2023-02-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXXXXXX XXXX XXXX my XXXX and XXXX business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. XXXX and XXXX did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXXXXXX XXXX XXXX. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXXXXXX XXXX XXXX my XXXX and XXXX business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. XXXX and XXXX did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXXXXXX XXXX XXXX. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.

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 2023-02-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I paid off my XXXX credit card due to refi of my house. I had a balance of {$20.00}, they could see it was paid off and refused to issue a refund until one full billing cycle. When I asked if they were going to pay me intrest because if I used thier money and did not pay it off right away I have to pay intrest. Talked to 2 manager, even was yelled at, thier policy is not send out over payments until 1 full billing cycle, not done manually. So they get more intrest off the money of mine. I asked for the account to be shut down, it still shows online active. When I called about it they say it was shut down, when I asked why I can still see it active on line, the responce is well you are signup for online. What does that even mean? Shouldn't it stated clsoed or not allow me to view things online? What a horrible card to deal with. Perfect payments for over 3 years, but when it come to giving me an over payment, well we can't do that. I closed the account down and still they will not refund until next billing cycle. I can't believe they will not refund {$20.00} now and instead lost a good person who has used XXXX of dollars, paid on time and never complainted about the intrest they have. I just want me money due to me now since the account isn't even open anymore.

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 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 American First Finance knowingly violated 15 U.S. Code 1692f - Unfair practices section 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. and section 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. in total my consumer rights were violated four times. The receipt showing my payment was accepted and made is dated XX/XX/2023. The cancellation and rescinding of my authorization to use the credit card on file is dated XX/XX/2023. The authorization for use of my credit card for future payments beginning on XX/XX/2023 is dated XX/XX/2023. Any payments attempted or made after XX/XX/XXXX and prior to XX/XX/XXXX should be considered fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal information has been involved in a breach with Equifax. This has caused inaccurate information to show on my credit report. In addition to fraudulent activity. I would like ALL negative items removed immediately. I am demanding immediate financial compensation for my mental anguish and time that has been spent correcting these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went to the New Jersey Special Civil Court ( XXXX XXXX ) on XX/XX/2023 to represent myself against a lawsuit brought against me by Capital One for a credit card bill. The judge mentioned that the creditors have the right to issue warrants for consumers and have them arrested and forced to pay the amounts that the creditors want. During my court date, the judge excused me because he stated that there was a Motion To Dismiss for this case/lawsuit. Still, Capital One is reporting negative information to the credit bureaus for this account. More disturbing is the fact that I believe they were overcharging me by not applying the proper amounts to the principal on my credit card, and charging bogus fees. These deliberate miscalculations occurred throughout the duration of this account 's history with them.

Company response to consumer: Closed with explanation