vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have XXXX  days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-01-03 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:
XXXX XXXX XXXX In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
XXXX XXXX apartments In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

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 2023-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Hi worked fot XXXX XXXX  XXXX XXXX XXXX and I had a Retirement Plan ( XXXX ) with this company. I received the Quater Statement when it shows the distribute the money I had, which I dont request. I call the customer service of XXXX XXXX XXXX, and they told me the servicer in XXXX XXXX of the XXXX its Banco Popular XXXX XXXX XXXX. That day I call they to request information, and they told me they send me a check on XXXX by mail, check that I never received. That same day I request the stop payment and the process to get my funds direct deposit on my Banco Popular account. They told me this process could take maximum 10 business days, which has been passed. I called once again to customer service and they told me, the " XXXX '' its working with other matters and they will start sending the funds a month after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
the company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed and must be removed as soon as possible. been the second attend to remove this account with this company that never gave any response on the first attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the XXXX  you have XXXX  days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: OH

Complaint narrative:
Im accordance with the fair credit reporting act XXXXXXXX XXXX XXXX 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 an 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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
- Found out our XXXX  account was closed -Found out my individual business debit card was to make unauthorized transactions -called my bank ; they had me bouncing from every single department they have and no one helped me fix the issue. 
-I have no access to our XXXX account to see the unauthorized transactions. 
-our company would like to file claims for the unauthorized transactions, reopen our account and make our deposit/transactions as usual. 
-we had no notice/alerts or any other warning of fraudulent transactions being charged to our companys account. Otherwise we wouldve taken action towards it.

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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have reached out to Midland Funding on several occasion asking if previous payments made would go towards this credit card debt. The answer was no. The payoff balance was XXXX in 2020. I partner with a credit company called XXXX that would help me by pulling funds from my checking account to make payments of XXXX dollars bi weekly to finish paying off my debt owed to Midland Funding. I got a new job during the pandemic and started paying Midland funding through my new checking account. Within the XXXX week gap. Midland Funding sent documents of garnishment to my job to take half of my wages. Thankfully I had proof I had sent a check to them based on our agreement with XXXX. It seems my check was lost in the mail. I have proof that this company is trying to over collect on a debt that has been paid twice. I have documents proving I have paid them over XXXX in the last past 2 years. 

I would like the company to remove the garnishment from the local courts and remove this collection from all XXXX credit bureaus within 30 days or cut a check to me for XXXX they are saying I still owe to the courts. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: American Credit Acceptance, LLC
State: NY

Complaint narrative:
Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
Hi my name is XXXX XXXX my paypal account was limited back in XXXX with funds still inside, however I received a confirmation email at the end of the year stating " my funds are now eligible for withdrawal '' on XX/XX/XXXX. I have successfully added my bank as of today XX/XX/XXXX however when I try to withdraw the funds as instructed I get the following error message stating " Things don't appear to be working right now Sorry, somethings not right. '' I am being declined and I now need further assistance with the final step in retrieving my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited my work bonus check on my chase account thru the online app portal to serve me some time goin to cash the check or even driving, deposit was made on XX/XX/XXXX for the amount of {$800.00} from the company i work for a hold was place till XX/XX/XXXX which the check cleared into the account. On XX/XX/XXXX i walked into the branch provided all information needed from paystubs to my direct deposit which i received them on my ( XXXX  temporary ). I provided all emails, text, calls, my information and position in the company. When calling on XX/XX/XXXX to customer service they said the needed to call the maker of the check to verify, i stated to go on website get all the information they need to verify the check even i provided a number i mean there system of verification is the worst. After more than 20 calls on different departments, different agents i get multiples answers, i even get direct deposit from another income and not even that i am able to use or withdraw. Chase has frozen my funds that i work for very hard. This is unfair for them to hold my direct deposits funds. I understand a hold on the check but not my funds. Even after it cleared and made available and provided additional information they still have my account restricted after 13 days and counting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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 first reached out to Transunion, XXXX and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had 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 2023-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
They have flagged me for no reason the account was close and taken care of as you can see in the attachments I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-01-03 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: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have 4 days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.

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 2023-01-03 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: MI

Complaint narrative:
In accordance with FCRA XXXX XXXX Partial account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due 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 2023-01-03 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: MI

Complaint narrative:
In accordance with FCRA XXXX XXXX Partial account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due 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 explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to follow guidelines provided by FCRA. There are inaccuracies and fraudulent information being reported on my consumer report. Experian was made aware of fraudulent activity in XX/XX/2022 and has failed to block and remove the negative inaccurate information. There inaccurate names addresses and 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 explanation
Consumer complaint received 2023-01-03 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:
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 Account Number : 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 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 2023-01-03 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: TX

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 Account Number : 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 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 2023-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a savings account with U.S. Bank that has not received an interest payment since XX/XX/2022. I have called to have this corrected, and I keep getting the same response " It will be credited this month ''. This has not occurred, and no one seems to care because it is a smaller dollar 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