vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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:
XXXX XXXX XXXX XXXX XXXX continue to violate federal laws but reporting late payments in which is not considered part of credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX and first progess continue to violate federal laws but reporting late payments in which is not considered part of credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXX XXXX XXXX in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX XXXX XXXX XXXX that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.

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 2023-03-26 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: MA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXX XXXXXXXX XXXX in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX XXXX XXXX XXXX that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: MA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXX XXXX XXXX in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my XXXX XXXX report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX XXXX XXXX XXXX that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with Experian and they have failed to give detailed information as to why they are dismissing my dispute.

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 2023-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We pay off our credit card bill fully every month. 

We have autopayment to pay this credit card. 2 payments were taken and the bank refuses to send the other payment back in a timely manner. 

on XX/XX/2023, 2 payments of more than {$11000.00} ( {$22000.00} total ) were taken from our local bank to pay the credit card bill. 

the Bank, BoA, is saying that it could take 2 full months to return the money. We have called them and escalated the issue to supervisors with zero results. We need assistance to compel BoA to return our money. We do not understand why they can legally keep our money hostage for such a protracted 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 monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Between XXXX and XXXX I have had over draft fees applied to my account.

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 2023-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX has had a collection of debt notice for me not returning faulty equipment for about 6 years now. I had a XXXX account in 2017. I moved and advised that the equipment stopped working and I had to work from home in my new home so I needed to go with a new provider and I could no longer receive their services in my area and they charged me for the equipment and billing that I did not use. The amount was {$210.00}. They reported this false collection to my credit holders. For 6 years they have been changing debt collection companies and reporting as new debtors to XXXX, XXXX, etc. They never originally told me that I owed anything and the XXXX time XXXX did call I told them i couldnt gain access to the broken equipment because I had to move urgently ( XXXX  XXXX situation ). They never said I would owe a debt or sent mailings to my new address so I never received any proper notice or precise instruction of handling anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 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 2023-03-26 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: IL

Complaint narrative:
In accordance the Fair Credit Reporting act. The account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

XXXX XXXX, 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A, section 2. States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records other than records of convictions of crimes which antedate the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: Block, Inc.
State: KY

Complaint narrative:
I am being charged an XXXX amount every month for {$10.00}, I do not have an XXXX  nor do I have an XXXX account. I addressed this with customer service, they denied my refund on XX/XX/2023, I have accrued 4 new charges since this date, for a current total of {$42.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: KY

Complaint narrative:
The credit bureaus keep disrespecting the law.I showed them multiples times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts tht are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus DONT HAVE WRITTEN PERMISSION from me According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation errors A person shall not furnish information relating to a consumer to ANY consumer reporting agency if- ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specified information is inaccurate ; and ( XXXX ) the information is, in fact, inaccurate. 

I can go on and on ... ..... 

The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

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 2023-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
This situation is over a leased cellphone buyout from XXXX. I overpaid for my leased phone and wanted that overpayment to go to owning the phone. I gave them excess money and cant even get a refund for it. I decide to cancel my service. I request a return package to send my phones in. When I finally received it I returned the phones and moved on with my life. Next thing I see is a charge for the full amount for the phones. I call XXXX up and verify they received the phones before asking if I owe anything. They look it up and see the phones were received I said ok cool and hang up after confirming my account was cancelled successfully. This XXXX bill saying I owe them for the phones must have been an error. I later receive a collections flag on my credit, I found out by getting denied on a credit application pull. I contacted XXXXXXXX  shortly after about this issue and they confirmed that the phones were received successfully and I should not owe anything. They said they will contact the collections agency about this, and call me within 7 days. ( I recorded the conversation as well. ) they never called me back. Their verification is inaccurate and they are making me responsible for a debt I do not owe, and tarnishing my credit at the same 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 explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Department of Education Account number:XXXX XXXX XXXX XXXX Account number : XXXX They have violated the following : 15 USC 1681 section 602 A states that i have the right to privacy.

15 USC 1681 section 604 A section 2 It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.

15 USC 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 2023-03-26 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: FL

Complaint narrative:
Department of Education Account number:XXXX XXXX XXXX XXXX Account number : XXXX They have violated the following : 15 USC 1681 section 602 A states that i have the right to privacy.

15 USC 1681 section 604 A section 2 It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX continue to violate federal laws but reporting late payments in which is not considered part of credit transactions.

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 2023-03-26 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: LA

Complaint narrative:
Hi, I've called TransUnion and all creditors about the following fraudulent unauthorized hard inquiries and negative accounts that are reporting on my credit report. Nothing has been done about it and I did inform both companies that I would be filing a complaint, XXXX 1. Creditor : XXXX  XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 3. Creditor XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX, Creditor XXXX inquiry date XX/XX/XXXX 5. Creditor XXXX inquiry date XX/XX/XXXX 6. Creditor XXXX XXXX inquiry date XX/XX/XXXX 7. Creditor XXXX XXXX Inquiry date XX/XX/XXXX 8. Creditor XXXX credit inquiry date XX/XX/XXXX 9. Creditor XXXX XXXX inquiry date XXXX 10. Creditor XXXX inquiry date XX/XX/XXXX 11. Creditor XXXX Inquiry date XX/XX/XXXX 12. Creditor XXXX inquiry date XX/XX/XXXX 13. Creditor XXXX credit inquiry date XX/XX/XXXX 14. Creditor XXXX inquiry date XX/XX/XXXX 15. Creditor XXXX inquiry date XX/XX/XXXX 16. Creditor XXXX inquiry date XX/XX/XXXX 17. Creditor XXXX inquiry date XX/XX/XXXX 18. CreditoXXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX listed below are unauthorize fraudglent accounts that were opened in my name. 

1. Creditor XXXXXXXX XXXX XXXX  balance {$4800.00} 2. Creditor XXXX balance {$2200.00} 3. Creditor XXXX balance {$58.00} 4. CreditoXXXX XXXX Balance {$18.00}

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 2023-03-26 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: NY

Complaint narrative:
I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ).

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law. 

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-03-26 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: NY

Complaint narrative:
I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ).

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law.

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX 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