vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Item name XXXX XXXX XXXX XXXX  XXXX Identification number XXXX Account name XXXX Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXXXXXX 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. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from XXXX, XXXX and Transunion.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX  XXXX .... 
XXXX XXXX XXXX XXXX XXXXXXXX Identification number XXXX Item name XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Account name XXXX Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXXXXXX 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. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I transferred $ XXXX to my XXXX XXXX XXXX bank account on XX/XX/22. IT was approved and moved from my Wells Fargo account on XX/XX/22. After that point, I made nor authorized any further transfers from my wells Fargo account to my XXXX XXXX account. My Bank account XXXX after the approved and authorized transfer, made at my request, was approximately {$6900.00}. On XX/XX/22 Wells Fargo made two separate $ XXXX " transfers '' to my XXXX XXXX account. However, XXXX XXXX XXXX account shows zero pending transfers and zero transfer requests. My account balance on the night of XXXX was approximately negative $ XXXX. I called and tried to tell them I didn't authrozie or make these transfer requests. They told me all they could do was put in a claims dispute. 

On XX/XX/22 I went to a Wells Fargo Bank Branch. They had no record on one of the two $ XXXX transfers and no record of the negative balance in my account. My account now had a balance of XXXX and a plethora of overdraft fees ( which may or may not be waived depending on their investigation ). They told me they can not help me, they can not offer me a line of credit while I wait for their error to be resolved, and that all I could do was keep calling the XXXX number for updates. I Called the XXXX number again, and they told me they can not do anything to expedite the process, and the only way I could get updates on the claim was to constantly call the XXXX number or to wait for US postal mail to arrive at my house. 

I have XXXX ( or negative ) dollars in my account, with no relief, no customer service, and no answers. The best case scenario is I get my money and NO compensation after waiting for them to decide if they can do their due diligence in a 10-day period.

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 2022-08-09 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: NJ

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 USC 1681.

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.

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 1681 s-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. 

XXXX XXXX- account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NJ

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 USC 1681.

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.

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 1681 s-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. 

XXXX XXXX- account number- 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 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I advised this Co that I had filed Bankruptcy gave them attorney info phone website etc MANY times. They continually call me daily. I spoke with my lawyer who told me to not answer but then they call me at work for which I get in trouble for. I told them to not call me at work they are relentless, and I get calling but it's what they say to me and how they handle themselves that gets me, I have been threatened and cussed several times. They are now having managers from other locations call me daily. They say when I tell them to call my lawyer oh you pay a lawyer but not us? Usually the cussing starts then. This is unprofessional they have a bad reputation in XXXX for this type conduct. I am sorry I can't pay this bill I really am but due to reasons beyond my control I had to file bankruptcy. I told them this will have a case number by beginning of XXXX fact is by next week it will have we my attorney and I area completing the details this week. 
NOBODY should be threatened and told they will call and do whatever they want then they laugh... very unprofessional, XXXX told me today he filed suit yesterday if so why is he still threatening me can he file suit which is fine if he does at this point but can he harass and threaten cuss and scream at me and file suit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: NM

Complaint narrative:
On the date of XX/XX/2022 i was looking into a personal loan came across world acceptant finance i put in a allocation online was called at XXXX XXXX by XXXX i was asked if i was looking into a loan of XXXX i said yes and she asked if i wanted to proceed with application i asked is there a hard credit pull cause if there is don't do it i won't be approved if it's a soft credit pull then yes i wan na proceed she said no it's only if we run your credit two time i asked if she was sure i was in the process of repairing my credit don't want hard inquiry she assured me there wasn't as soon as we got off the phone i got a email of a hard credit check tried calling back no answer went to the office asked them to remove i did not authorize if it was gon na be a hard credit inquiry i spoke with the manager her name was XXXX XXXX she stated there branch manager would call me never got them to removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NC

Complaint narrative:
Incorrect personal information on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NC

Complaint narrative:
Incorrect personal information on credit report XXXX XXXX XXXX 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 2022-08-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
TRANSUNION : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2022-08-09 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:
My credit score dropped XXXX points on XX/XX/XXXX, but I have no debt.

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 2022-08-09 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: FL

Complaint narrative:
Experian continues to violate the FCRA USC 1681 and 623 ( a ) ( 1 ) ( A ). The FCRA is clear if an account is not reporting 100 % accurate or contains missing or outdated information, it therefore must be DELETED. Experian continues to report incorrect information on the following account and refuses to DELETE this erroneous account as per the FCRA. Account Name : XXXX XXXX Account Number : 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 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.

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 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
Im sent this loan pre-qualification nonsense. All the while Im XXXX with this company and others. Having me waste my time and energy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SS # XXXX DOB : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXXt Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX EQUIFAX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2022-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I purchased a XXXX XXXX threw XXXX XXXX XXXX in XXXX XXXX XXXX Where they never applied my trade and car was purchased for over book value. Also my payments were taking out of my bank account but never applied. When I stopped letting them take out payments I started sending money orders to there XXXX XXXX as it is listed as kia motors finance XXXX XXXX XXXX XXXX tx XXXX I have contacted them multiple times about payments. Why they are not being applied. They keep saying I am turned over to collections. I started making payments threw money order and have copies of the money orders being cashed but not applied also they are pulling my credit report every couple of months pulling my credit score down. I called to get pay off info for my bank and I was hung up on 3 different times. The car company XXXX XXXX has pulled my credit report as well since purchase of vehicle. Im trying to get it payed off and am getting no where.

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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I was in XXXX, XXXX at a restaurant called XXXX XXXX where {$470.00} was charged on my card. Only {$180.00} was supposed to be charged on my credit card. I paid {$370.00} USD ( XXXX pesos ) in cash and the rest of the bill was supposed to be charged on my card. Instead, the restaurant decided to charge the whole thing on my card. I tried to explain this to Chase Bank and was denied twice. The first time I tried was on XX/XX/2022. They didnt get back to me until XX/XX/2022. I called into the customer service number and they told me to contact the restaurant directly and the restaurant told me on XX/XX/2022, that its been too long and to handle it with my bank. So I called Chase again on XX/XX/XXXX and they told me that I could re-open my case and to write a letter and I can drop it off at any Chase Bank institution. I wrote a letter and had someone from Chase Bank submit it for me on XX/XX/XXXX. I waited a few weeks to call again to check if my letter had been received. No such letter was received when I had called in on XX/XX/XXXX, so the Chase representative told me to send the letter via email. They sent me a letter on XX/XX/XXXX and XX/XX/XXXX saying that theyd work on it. Fast forward to today, XX/XX/XXXX, is when I got another denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation