vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX, XXXX XXXX XXXX Account # starting with 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 consent or 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 non-monetary relief
Consumer complaint received 2022-09-02 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX 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 account # starting with XXXX, XXXX XXXX XXXX Account # starting with 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 consent or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am in receipt of my credit report and found an account that is being reported incorrectly. The account is a collection agency named Spring Oaks Capital and the original creditor is XXXX XXXX. This account was paid off in full and this debt is no longer owed. Additionally this debt is now over seven years old and this lender has re-aged this debt. Additionally XXXX XXXX is reporting this account past the 7 year limit and is reporting this account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, my wife used her additional card ( ending in XXXX ) on my XXXX XXXX XXXX account to make a purchase of {$790.00} using XXXX XXXX with the merchant " XXXX ''. It is for an XXXX XXXX mini. 

The merchant has already shipped the XXXX on-time, and the recipient has already received the XXXX and started using it. 

However, after more than 2 weeks later, we are still unable to see the transaction in the Amex Mobile app nor Amex website. 

We have contacted the merchant on XXXX, and the merchant confirmed that they have received payment. However, we are still not yet charged for this transaction. 

This caused 2 issues for me : 1/ This caused me to worry that Amex may suddenly come back and charge me out of the blue, months or years down the road, causing significant stress. I would like to have a closure on this issue as soon as possible while memory is still fresh, instead of keeping this issue in the back of my mind indefinitely. 

2/ This billing error caused me to miss the Amex " Plan It '' no-fee promotion that ended in XXXX. Had Amex posted the transaction on-time, I would have been eligible for the Plan It feature and I would have been able to pay this charge in installments without any interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Iam a fraud victim and Ive called annual credit report and tried online and all three bureaus r not responding to sending me a annual credit 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 2022-09-02 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: NV

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
I do not understand why Trans Union lowered my score with XXXX XXXX from XXXX ( dated XX/XX/XXXX ), to XXXX ( dated XX/XX/XXXX ), while my Trans Union score with Bank XXXX XXXX went up to XXXX. It should go UP not DOWN. 

Previously, Trans Union showed an erroneous late payment for XXXX XXXX credit card on XXXX, XXXX, which they corrected, and two late payments for XXXX credit card on XXXX, XXXX, and XXXX, XXXX which they also corrected. I have a 100 % perfect payment history and I expected a rise in my credit score, not a drop.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank violated the KYC ( Know your customer ) and AML ( Anti Money Laundering ) laws, by not fully vetting and taking the appropriate actions to know or stop the person who created an account with them. The person who created the account with them was XXXX individual from XXXX who was in the states on a visitors visa. This person used BBVA and PNC bank as a vehicle to commit fraud on multiple American citizens and launder money. Since this person was in America on a visitors XXXX, he was unable to hold employment per the conditions of the XXXX, and this should have raised concerns when he regularly deposited money into his account from his job ( cash ) and accepted transfers for XXXX 's of XXXX of dollars into his account. If PNC bank had taken the appropriate measures and actions, and complied with KYC and AML, they would have not played a part in this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
I am in receipt of my credit report and found an account that is being reported incorrectly. The account is a collection agency named XXXX XXXX XXXX and the original creditor is Kay Jewelers. This account was paid off in full and this debt is no longer owed. Additionally this debt is now over seven years old and this lender has re-aged this debt. Additionally Kay Jewelers is reporting this account past the 7 year limit and is reporting this account incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NV

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit 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 2022-09-02 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/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 2022-09-02 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:
I do not understand why my XXXX credit card shows an Experian Fico XXXX Score drop from XXXX to XXXX, ( dated XX/XX/XXXX ). My score should move UP not DOWN. 

XXXX on my XXXX card currently raised my score to XXXX on XX/XX/XXXX, and XXXX XXXX on my XXXX  XXXX XXXX card raised my score to XXXX on XX/XX/XXXX. My Experian Fico score should also go UP, not DOWN. 

Previously : Experian showed an erroneous late payment for XXXX XXXX credit card on XXXX, XXXX, ( which they corrected ), and two late payments for XXXX credit card on XXXX, XXXX, and XXXX, XXXX ( which they also corrected ). I have a 100 % perfect payment history and I expected a rise in my credit score, not a drop. 

I attached the XXXX XXXX XXXX XXXX XXXX credit score, and my XXXX card credit score so you can see that they appropriately raised my score on those credit cards.

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 2022-09-02 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: GA

Complaint narrative:
On XX/XX/2020 I submitted to the credit bureau Transunion certified proof that I had completed the debt verification process for four derogatory accounts that they are reporting on my credit profile. This process was completed certified mail and included contacting the creditors about the alleged debt and requesting the documents that they have that validate the debt belongs to me. Each of these four companies did not respond to any requests via mail or telephone therefore they could not have verified the debt as they claim to have via the disputes process. I have sent Transunion certified proof of this and requested the accounts be removed or proof of the validated information. They have not n provided either. According to FCRA Fair Credit Reporting Act U.S.C 1681 Transunion has violated my rights as I have not given them permission to share this information.

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 2022-09-02 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/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 2022-09-02 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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: MN

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: MN

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit 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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022 a portion of my payroll for {$400.00} was deposited into my Alliant Credit Union account. I also have a personal non-collateral loan and a XXXX credit card with this company. Given the fact that I had an unexpected expense, my loan payment was past due, and my credit card payments were current. Once my payroll funds got deposited, Alliant credit union withdrew the funds, plus the additional funds of {$3.00}, for a total amount of {$400.00}, and credited them to my loan WITHOUT my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXnkruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-02 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: PA

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/2022 I attempted to wire {$5000.00} from my U.S. checking account to my XXXX  checking account. I have residences in US and in XXXX. My U.S. residence address, email and phone, all registered with the XXXX bank, have not changed. The only thing that changed is my new XXXX residential address, which is required in order to have an XXXX bank account. I then received an email from the XXXX bank that my online access is terminated. No explanation, only option to call XXXX XXXX number which can not be called from outside US. I am in XXXX. They know that. This is my third complaint of this nature this year. The first two were eventually resolved after the bank responded to CFPB complaints, not without financial hardship to me. I will have to now somehow again find a way to contact this bank. The international number I found can not be called from a mobile phone or a pay phone therefore I will have to install a land line and pay very expensive long distance charges. The carrier charges even if the # is toll free. And then from experience I will be on hold for long times and probably meet with repeated dead ends. I rely on the social security funds that are deposited to my U.S. account to meet my daily living expenses. There is no excuse for this repeated abuse.

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