vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
By at least XX/XX/2023 I had become aware that I could log on to my TransUnion user account, but could not view my credit report nor file a dispute. In addition to being unable to view my credit report directly from TransUnion, an error also occurs when requesting my TransUnion credit report through annualcreditreport.com. I began to contact TransUnion support by phone to try to resolve this issue beginning XX/XX/2023. I called again XX/XX/2023 as well as communicated with them via live chat online. As a result of the failed efforts to troubleshoot the problem during the chat, I was told my issue was being escalated to their specialist team and that they would reach out to me either by email or phone in 3 to 5 business days. To this day, no specialist team from TransUnion has attempted to reach out to me. On XX/XX/2023, I called again and used their text message support called TransUnion messaging. The messaging conversation was not helpful and was ended prematurely by the support side when I was unable to provide my response fast enough.

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 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Bought a prepaid serve card not long ago and was super excited to use the card. Everything was going fine until I changed my address out of state because I was moving there and amex XXXX  algorithm decided that it was time to permanently suspend my account. Called customer service and they were extremely lost and had no idea what was going on. Made me do a bank verification to check the address and since the address didn't match what I changed it to. They told me to basically go XXXX XXXX XXXX XXXX  myself and that I am permanently banned probably for life because of it. I was on the phone for hrs and hrs trying to ask what I can do to fix the situation and they couldn't care less. A customer service representative literally told me " u can't escalate this call and there is nothing u can do. '' I'm so XXXX angry and frustrated it isn't even funny.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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. 

# 1 Account name : XXXX XXXX # XXXX # 2 Account name : XXXX # XXXX # 3 Account name : XXXX XXXX XXXX # XXXX # 4 Account name : XXXX XXXX XXXX # XXXX # 5 Account name : XXXX XXXX XXXX # XXXX # 6 Account name : XXXX XXXX XXXX # XXXX # 7 Account name : XXXX XXXX XXXX # XXXX # 8 Account name : XXXX XXXX XXXX # XXXX # 9 Account name : XXXX # XXXX # 10 XXXX XXXXXXXX XXXX  XXXX # XXXX # 11 XXXX XXXX XXXX XXXX # 12 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 13 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-10 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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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. 

# 1 Account name : XXXX XXXX # XXXX # 2 Account name : XXXX # XXXX # 3 Account name : XXXX XXXX XXXX # XXXX # 4 Account name : XXXX XXXXXXXX XXXX # XXXX # 5 Account name : XXXX XXXX XXXX # XXXX # 6 Account name : XXXX XXXX XXXX # XXXX # 7 Account name : XXXX XXXX XXXX # XXXX # 8 Account name : XXXX XXXX XXXX # XXXX # 9 Account name : XXXX # XXXX # 10 XXXX XXXXXXXX XXXX XXXX # XXXX # 11 XXXX XXXX XXXX XXXX # 12 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # 13 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10 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: MI

Complaint narrative:
Credit bureaus are reporting inaccurate personal information, names, addresses ect ect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: MI

Complaint narrative:
Credit bureaus are reporting inaccurate personal information, names, addresses ect ect.

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 2023-06-10 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: GA

Complaint narrative:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}

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 explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
PNC took over our mortgage after the XXXX payment was made to the prior company. We were told that our autopay would take a few extra days during the transition, but we did not have to do anything for the XXXX payment. After it was not taken out, we called and they suggested that we send them a check. We sent the check the they said autopay was already set up so they were going to put a note on the account to let the autopay take the money for XXXX and they would pause it for the XXXX and use the check for XXXX. The check was cashed for XXXX. We called and then they said we were on track for autopay for XXXX. XXXX XXXX rolls around and they started to call because our payment was late. We called and explained the situation and they said that we were not setup and we had to go in and set up an account. We made the XXXX payment over the phone. At the beginning of XXXX, the autopay kicked in and took out the mortgage at the beginning of the month, then again the next day. We have spent 4-5 hours on the phone with them and each time have been told something different only to have them pull the mortgage twice. Since it is the weekend we have not had a chance to get in touch with them, however I feel we have gone above and beyond to help them get this figured out to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Ability recovery and XXXX XXXX XXXX  are working with XXXX XXXX XXXX and keep restarting my time from medical bills over 7 years ago I would like them removed but they wont remove them I have disputed these 4 hit several times and each time they start me over please help with getting this removed its so unprofessional.

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 2023-06-10 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: CA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
CITI BANK NA. DECIDED TO CANCLE ONE OF MY DEPSOIT AND MARKED IT AS FRAUDLENT. AND MY ACCOUNT WAS MARKED FOR CLOSURE. I HAVE ALWAYS USED SAME ACCOUNT FROM XXXX XXXX XXXX  TO CRDIT FUND TO MY CITI BANK ACCOUNT. THEY CLOSED MY ACCOUNT TOOK ALL MY ACCESS TO VIEW MY STATMENTS OR ACCT ONLINE. WHEN I CALLED THEY ADVISES A LETTER WILL BE SENT TO ME IN 7 DAYS ON XX/XX/2023. WHICH IS 80 DAYS NOW AND I HAVE NOT RECEIVED ANY COMMUNICATION FROM CITI BANK. I HAVE CALLED MANY TIMES TO GET MY FUNDS. THEY TREATED ME LIKE CRIMINAL AND NOW ADIVSING ME TO CONTACT MY ISSUER BANK FOR THIS FUNDS TO BE REPULL/OR START A CLAIM WITH THEM. ISSUER BANK XXXX XXXX XXXX IS SAID THERE IS NOT SUCH A THING THEY HAVE AND THEY SAID THEY HAVE NOT FLAGGED ANY ACITVITY AND NOT AWARE WHY CITI IS HAD TO CLSOSE MY ACCOUNT. ALL I NEED IS TO GET MY FUNDS BACK SO I CAN PAY MY BILLS AND NOT GET CHARGED LATE FEES.

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 2023-06-10 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: AL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$780.00}

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 2023-06-10 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: AL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit reports from XXXX, and Experian show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had XXXX insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the XXXX insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX XXXX are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and Experian credit reporting agencies. This violation of FCRA laws has impacted my credit score for years.

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 2023-06-10 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/2023 Compliance Department XXXX XXXX Attn : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : LVNV Funding LLC ( LVNV ) Account Number ( s ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : 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 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 2023-06-10 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: MD

Complaint narrative:
Credit reports from Transunion, and XXXX show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX XXXX are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to Transunion, and XXXX credit reporting agencies. This violation of FCRA laws has impacted my credit score for years.

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 2023-06-10 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: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I was the victim of identity theft through western union i reported it to the bank and provided the information but the bank told me it wasnt enough information but i didnt have much information other than the transaction details and they proceeded to harass me to pay when i had no knowledge of the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received this message from this bank that I didn't even apply.

Company response to consumer: Closed with non-monetary relief