vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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:
I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. 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 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end 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 explanation
Consumer complaint received 2022-10-01 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: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. 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 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Good Evening this is a continued problem that PNC Bank and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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:
Last year I filed an Identity Theft report with the FTC and as a result placed security freezes and fraud alerts on my credit reports with the 3 major reporting agencies. Of the 3 only XXXX allows me to access my reports and freeze online. TransUnion and XXXX both deny me online access and Ive tried to resolve the problem over the phone and by mail but every time I request any reports or lifts or any information I have been denied. Ive submitted Identifying documentation but still havent received any help. Recently I even received two letters denying me credit and/or loans that I havent applied for. I request access to any application attempts for credit as well as access to my reports.

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 2022-10-01 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: NC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: CA

Complaint narrative:
Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal XXXX credit score had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to Experian. About a week later, I received notice that my dispute had been completed and that the creditor ( XXXXXXXX XXXX XXXXXXXX, XXXX ) certified that the information is correct. I called Experian and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.

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 2022-10-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.

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 2022-10-01 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: NC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.

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 2022-10-01 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: NC

Complaint narrative:
I wrote to the bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the COVID-19 Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: SC

Complaint narrative:
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 instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA. 

FINANCIAL DATA SYSTE- XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX I have no knowledge of these account, nor do I know what these are Original creditor : N/A XXXX Original creditor : N/A XXXX Original creditor : N/A XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2006 ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA 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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received {$300.00} to my PayPal account and the app glitches and freezes when I try to transfer my money to my bank account. Never had this problem before today and Ive been trying all day to make this transfer- this is ridiculous! Saw on XXXX that you guys are putting peoples account on hold for 180 days and then I get a message from the chat that theres no transactions in the past 180 days??! Thats XXXX, I have consistently had monthly transactions each month. This better not be the case with mine - I tried to call or chat with customer service and the wait time is OVER 2 HOURS!! Definitely closing my account after I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX payment was marked late even though I mad the XX/XX/17 payment on time and 2 other payments in the month of XX/XX/2017 which I was expecting one to be applied the XX/XX/17 payment and it never was for Capital One acc num XXXX. 
Even though I had made several payments before the due date theymarked my XX/XX/17 payment late. 
you want people to pay on time and when they do you don't apply the payment. that is very deceiving to not post the payment to the next billing cycle. as it should In accordance with the fair credit Reporting act XXXX XXXX  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. 
This is my final attempt to resolve this issue before I file a smalls claim case in XXXX NY for the max of {$5000.00} plus attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX Account # XXXX RE : INVESTIGATION RESULT DATED XXXX ATTACHED. 

Dear Sir / Madam, This is to inform you that according to the information in the attached investigation result provided by the furnisher regarding my last dispute, the investigation result indicated that the date of first delinquency is XX/XX/XXXX since the last date the account was current was XX/XX/XXXX which says ( XXXX ). PLEASE SEE HIGHLIGHTED DATES IN THE INVESTIGATION RESULT ATTACHED. The Highlighted items indicated the date the account was last current as well as the date of first delinquency. 

According to FCRA, any delinquent account must be deleted seven years from the first missed payment and that date according to the highlighted attached document as XX/XX/XXXX. Be informed that seven years from the date of first delinquency which is XX/XX/XXXX according to the highlighted in the attached evidence is XX/XX/XXXX. 

Note : Reporting delinquent account more than seven years or trying to re-age an account is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681c ( a ) ( 4 ) REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS. 
( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS. 
Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or changed to profit and loss which antedate the report by more than seven years. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
The attached account reporting on my credit profile is incomplete. Per the FCRA, only accurate and complete verifiable information can be reported. The attached account is in violation of the FCRA and must be deleted immediately. I have written to Equifax on XX/XX/22, XX/XX/22, and XX/XX/22 with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: HI

Complaint narrative:
TransUnion and XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX mortgage ( account # XXXX ) from my credit report This account is incorrect and does NOT belong to me My mortgage is with Rushmore Loan XXXX XXXX and therefore my credit report should be updated accordingly My loan number - account number with XXXX XXXX  XXXX XXXX XXXX XXXX I have been with them since XXXX of 2020 I have requested this previously with TransUnion and XXXX and they have YET to update my credit profile, this has resulted in denial of employment to me & has caused me financial stress I have been a victim of their breaches and their failure to remove the information can and will result in a lawsuit as per FCRA regulations Are they colluding since their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction??? 

This incorrect information has also caused a denial of extension of my own credit to me I disputed this account also with XXXX & they fairly and accurately looked into this matter and have deleted it from my credit report SEE ATTACHED for proof of deletion with 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 2022-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WA

Complaint narrative:
On the XXXX A couple of hours prior to my paycheck deposited I received notice from Chime services, the bank I bank with online, saying that they closed my accounts for not being in compliance. They sent me a link to look at all the compliance rules and regulations and the only one I can think that it would be referring to is a secure credit card that I opened up maybe a year after my checking account. Basically about six months ago I ordered all new cards. A secured credit card and my debit card and none of them came in the mail. After contacting them and telling them it never came where is it and then moving out of my unit I finally got someone to look deeper into it and she said the order never went completely through and I would have to wait another week. I updated my information with them prior to moving but about a week later when my debit card did come it was only my debit card and not my secure the secured credit card was never reissued. So because I never got it I stopped having my paychecks put on a card I didnt have in my hand. Mostly whats really frustrating with this situation is that now that Im no longer considered a chime customer I am unable to speak to anybody in regards to any of this. I had called the customer service number and it says they found my account under my phone number and its close and I can send them an email and I only get back a computer generated response. And all that says is it close my account compliance with my secured credit card I dont that I never received it and thats all it says sorry for this inconvenience. They have my entire week of pay and this computer generated message says they have up to XXXX turn my money I cant go that long without my paycheck my rents due and now Ill get late fees at XXXX a day till I pay it.. I dont understand how they can all three of my accounts are not using my secure credit card this is messed up so much right now I cant even put it into words. I feel robbed and They should be required to consider all customers to still be a customers even after an account is closed for at least 30 days so theyre can be communication. Specially when money is involved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
I wrote to the bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the XXXX Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.

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 2022-10-01 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: NC

Complaint narrative:
I wrote to the bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the XXXX Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.

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 2022-10-01 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: NC

Complaint narrative:
I wrote to the credit bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the collection accounts attached to this complaint. I requested the original contact, signed by me, for these accounts along with the signed document giving them permission to purchase these accounts. I have not received any documentation which is a violation of the FCRA.

Company response to consumer: Closed with explanation