vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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:
XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  : Account # 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 2023-04-20 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: MI

Complaint narrative:
XXXX  XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal 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 2023-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account : CAPITAL ONE, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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 2023-04-20 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: KY

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank XXXX XXXX XXXX XXXX, PA XXXX denies receiving my XXXX payment for the car loan I have with them. The payment was due on XX/XX/XXXX and funds in the amount of {$540.00} were sent electronically from my account with Local Government XXXX XXXX XXXX 's online bill pay on XX/XX/XXXX7. This same method of payment has been successful to this same PNC loan 25 months/payments before. Proof of payment has been provided to PNC numerous times yet I'm still receiving collection calls and texts. The Credit Union I bank with has launched an investigation. They informed me other Credit Union members are experiencing the same issue with PNC Bank claiming their payments were not received by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, I tried to purchase a motorcycle listed on XXXX and still is. My deal was accepted by " XXXX XXXX '' ( XXXX ) We agreed to use XXXX. This site was fraudulent, and comes-and-goes from the web. I was instructed to wire the funds to XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX in to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When it became apparent that I was robbed, I notified TD Bank, which waited 3 days before I discovered they did not know how to properly recall my wire. Later spoke with XXXX I notified XXXX, and received little help from " XXXX XXXX XXXX XXXX in reference to my complaint, XXXX XXXX XXXX. I also advised them verbally about the circumstances, and that their complacence was akin to them being o.k. with helping " XXXX XXXX '' launder money through their bank. To test my theory, my friend XXXX XXXX also initiated a " purchase '' from XXXX XXXX From the same posting, and " XXXX '' initiated the same process with him and using XXXX, and wiring money for payment, and furnished a different XXXX XXXX XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX. I advised XXXX of the additional developments, and they did not respond. I want my {$5400.00} returned to my TD Bank account. I want TD bank questioned for being slow to react. I want XXXX XXXX be held responsible for continuing to accept funds for transactions that they have been made aware are fraudulent. I would like " XXXX XXXX '' and all associated persons and entities prosecuted. 

I have received a letter from The Federal Reserve Bank XXXX XXXX XXXX ( attached ) without any resolution or restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have violated my rights . 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-20 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I redeemed a statement credit for {$460.00} on XX/XX/XXXX. It states that its redeemed & points were deducted but never was credited to my credit card. Called over 10 times & it seems like they have no idea how to resolve the issue. Gm said they had a glitch & the same thing happened to everyone after a certain date. They never corrected it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
For years I have been disputing a credit card charge I never opened. It was finally removed from my credit report after seven years. 
Midland funding sent me a letter threatening to garnish my XXXX funds. 
I need help to make this company understand I never opened an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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: NY

Complaint narrative:
I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows XXXX, XXXX and XXXX days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment.

What is the USC code 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, 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 2023-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
I have a Health savings account with Optum financial. For the past 2 weeks, I have been unable to access my account ; it keeps asking me to reset my password which I do and it is in this perpetual cycle and never lets me in. I have contacted Optum and had a case created ( # XXXX ) and they subsequently closed it, without addressing the problem. I was on the phone today with technical assistance for 45 mintues XX/XX/23 and they are unable to resolve it. I have been sent a link to reset the password, only to get an error message from the company. Something is clearly broken and not working at this company. They can't resolve this matter and I don't know what else to do. 

I am unable to submit claims to access my own funds. 

I have no issues with accessing my financial information with any other bank and credit card company. 

Please help me get access to my own funds. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 had a XXXX XXXX XXXX credit card through XXXX XXXX XXXX and was promised bit coin rewards every month, and XXXX XXXX went bankrupt and out of business. I lost my money in my account, and also did not receive my last 2 rewards, yet they still wanted me to pay my remaining balance of approx. {$100.00}. I contacted XXXX XXXX  several times and refused to pay the balance until they gave me my money back from my account and gave me my credit card rewards, which they refused to do. XXXX XXXX has since reported me to all the credit agencies, ruining my perfect credit score which was XXXX, to now in the low XXXX 's. I have paid every bill I ever had on time and they are now charging me interest and the balance is now upwards of {$400.00} and they keep reporting the new balance every month lowering my credit score even more. 
I disputed the charge with the agencies but they kept the determination as valid after XXXX XXXX  sent them the record of me not paying, which I am not disputing. I am disputing why do I have to give them another approx. {$100.00} when they kept my money from going bankrupt and not giving me my credit card rewards? 
XXXX XXXX  is still advertising on their website to sign up for their credit card and promising bit coin rewards. that should be fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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 XXXX Account : XXXX XXXXXXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent Account Appearing On Credit Report. 1. XXXX XXXX XXXX {$4600.00}

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 2023-04-20 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: PA

Complaint narrative:
Fraudulent Account Appearing On Credit Report. 1. XXXX XXXX XXXX  {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
The collections listed below need to be removed from my credit report because there's no paperwork that legally verifies them. This is false reporting and a violation of section 609! How can you continue to report, while they continue to attempt to collect by reporting, when neither one of you can prove that these accounts are mine? I was told that there's no record of my info matching these accounts, so why are they still reported on here and how can you be verifying them as accurate? It's absolutely impossible and I believe that there isn't even an investigation occurring. Without signed contracts, a copy of my id and ssc, these accounts are illegally reported and need to be removed at once : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation