vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 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 of convictions of crimes which antedates the report by more than seven ( 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 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 2023-05-08 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: NJ

Complaint narrative:
I have XXXX fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.

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 2023-05-08 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: FL

Complaint narrative:
In accordance with the Consumer Credit Protection Act, Public Law 90-321 ; 82 Stat. 146 ; 15 U.S.C. 1601 et seq.

As you are aware, the Consumer Credit Protection Act provides consumers with certain rights regarding the accuracy and fairness of their credit reports. One of these rights is the ability to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank closed my Checking Account with no notice, the checking account simply disappeared from my Chase Account including all statements and notices from the past. I can not cancel my Direct Deposit to this checking account at my workplace because they require my account number and other banking information that I can not retrieve due to the account being 'paperless '. 

I have had direct deposit from my Work to this account for years with no issue and use the funds in the account to pay off Chase credit cards. 

My paycheck was wired to this checking account today XXXX and I can not access the account or funds to pay my bills. 

I contacted Chase bank today XXXX and talked to multiple reps. 

The first rep gave me a second phone number to call to try to reactivate my account, assured me that I will be able to gain access to my account when I called the phone number with no issue and was told not to worry. She further explained that my account was closed due to inactivity, which does not make sense considering regular direct deposits to this account. The rep confirmed that was direct deposit was wired and deposited today XXXX. 

Calling the second phone number XXXX I was told by the second rep that my checking account can not be reactivated by calling this phone number and that I would be required to physically visit a Chase Branch to make my case to them. 

To summarize, I can not access my paycheck due to Chase deactivating my checking account with no notice. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
This complaint is regarding Fiserv for the second time. 
Fiserv XXXX XXXX XXXX XXXX Oh XXXX XXXX On XXXX at XXXXXXXX XXXX I called their number and spoke with XXXX in regards to a letter I received from Fiserv. She could not find me in their system using my name, social security number, or any other information I gave her. So then I asked if I should just disregard the letter and she responded yes. 

Since then I have received two more messages on my phone from Fiserv about reinstating my bill pay service, collecting payment. This company is impossible to deal with. They send me a letter and threaten that if I don't pay them it will be sent to collections but when I do call they can't find anything about me on their system??? How am I supposed to deal with this company? This has been going on since XX/XX/2023. I have long since changed banks so I can do my electronic banking.

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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The debt was dated back in 2014 but the company says it current. I notified the company that the card was stole back then. Im not sure why its still on my credit. The company has been harassing me with court dates and false documentation about this debt. I ask them to give me the original documentation on this account and they still havent provided me with the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian regarding the address I wanted to be deleted from my credit report. I spoke to XXXX - Dispute XXXX XXXX # XXXX. XXXX explained that the address could not be deleted because it was been reported by ( 2 ) creditors 1, XXXX- which my account was sold and transferred to XXXX XXXX XXXX  in XXXX of XXXX. XXXX. XXXX XXXX of which I have active accounts. I offered to provide a copy of the DL to validate my address. XXXX refuses to accept this offer to validate my address. I want the address removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-05-08 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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 non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Monthly payments are not being applied according to contract, additional principal payments are not being applied to principal as requested. Some schedule payments are being applied as interest payments only. Some additional {$100.00} payment are being applied as interest and principal payments. Spoke with C/S rep. she told me that payments are being applied according to the contract.

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 2023-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX YOU ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX HAS VIOLATED SERVAL OF MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A CLARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING 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 OPEN- END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

REMOVE THE LATE PAYMENT AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX sent a collection for an account that had been canceled to Voss and Klein. On XX/XX/XXXX I have an email from XXXX XXXX the sales rep for XXXX XXXXXXXX XXXX  verifing the contract had been canceled due to XXXX XXXX XXXX which the contract was with was sold XXXX XXXX email below From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject XXXX XXXX XXXX XXXXn Hello XXXX It was good talking to you again today. We appreciate your business at XXXX and thank you for your sponsorship of the XXXXXXXX XXXX XXXX. 

Here is our media kit and a recent study on the program which you can submit for the new company to review and consider for continuation of your sponsorship at XXXX in XXXX. These spaces ARE limited to only one sponsor and they fill up fast whenever there is a vacancy. 

Please have your marketing team reach out to me and let me know as soon as possible of any interest in continuing with the program so that we can be sure and guarantee your space moving forward. 

I can be reached at XXXX. 

Best regards -- XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: CO

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-08 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: DISCOVER BANK
State: NY

Complaint narrative:
I want to refile a complaint against DISCOVER BANK I have been sending letters and filing a dispute with them, but they are not providing the proof and the methods of investigation that they conducted, they keep on telling that they conducted and verified all the information on my credit report, BUT they failed to provide the documentation which is beyond 30 days. They have violated Fair Credit Reporting Act to provide accurate information on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am signed up for online access with transunion ( https : //service.transunion.com ) to freeze/unfreeze report for last few years. Earlier this year, the freeze/unfreeze stopped working and all I get is an error asking me to call a number. 

I have called several times without any resolution. I keep getting transferred to different teams. In my last interaction on XX/XX/2023 the team I got connected to seemed to be the right team. The representative said she knew the exact problem but a supervisor had to fix it. I asked more details and was told she can't disclose anything, which doesn't sound right to me. 

Anyways, few weeks later there is no resolution ( I was told it would be fixed in few days ). Ticket number : XXXX XXXX XXXX XXXX So no resolution, no communication and when I call, I keep getting transferred to teams that have no idea and say everything shows good to them. 

more details on the error : Your TransUnion Credit Report Freeze status is currently : UNKNOWN The TransUnion XXXX XXXX XXXX is temporarily unavailable. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at 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 2023-05-08 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: GA

Complaint narrative:
I am writing you because I have sent out 3 certified letters to XXXX and TransUnion on an account that is incomplete and inaccurate information on my consumer report. Each time its coming back VERIFIED and ACCURATE. However, I have studied and educated myself in consumer protection rights- Under FCRA it states whatever is reported to my credit report must be accurate and correct. In this case, it is not and I demand to delete this entire account immediately or I will file lawsuit because this FCRA violation. 

XXXX XXXX XXXX ACCT XXXX I have upload a image to show the inaccuracies on my consumer report. there's no way you can be on-time 30 days late In may 2022, 60 days late in XXXX, on time in XXXX, 90 days late in XXXX and then XXXX XXXX showing Collections. 

I DEMAND THIS ENTIRE ACCOUNT DELETE FROM XXXX XXXX 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 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation