vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
n 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 
on XX/XX/2XXXX XXXX acct # XXXX XXXX original creditor XXXX XXXX balance {$2300.00} XXXX XXXX XXXX  XXXX XXXX original balance XXXX current balance XXXX this company sold the account to XXXX and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Hello XX/XX/2023 I had a balance of {$1900.00} from Nordstrom Mastercard XXXX XXXX I paid {$1000.00} of said balance making current balance {$900.00} It took Nordstrom 21 days to update my account when the FAQ says it takes 1-2 business days to update. I called customer service TWICE and was told they are holding my payment for whatever reason and will update at their earliest convenience. 

XX/XX/2023 my account was updated to show balance of {$940.00} due to interest. 

On XX/XX/2023 I was told my credit limit decreased from {$2000.00} to {$1000.00}!! I have not received NOTHING from Nordstrom I was informed by XXXX! I called today and spoke to a supervisor and she could not explain why they HELD my {$1000.00} payment for two weeks. She told me due to my report in XXXX they decided to decrease my limit. But in XXXX I made that payment and they choose to not reflect my balance until she decided to decrease my limit. Now my card utilization is at 100 %!!! Not only did they affect my recovery and have also lowered my credit score! They are even still demanding I pay my balance of {$940.00} after theyve done this to me!! I was dealing with a hardship but can financially afford to pay my balance off while maintaining a utilization under 10 %. I was my credit limit rectified and back to {$2000.00}. Customer service and supervisor was extremely rude and as a loyal customer I was disappointed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I'm being charged for a credit account that was not opened or authorized by myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The bank said that I had the ability to have money transferred over to another account to offset overdraft. I was then somewhere trying to use my card and it would not allow me to use it. I did advise them that I had money in my savings account why not take the money from the savings account And put it in the checking account, they advised me youve already used it three times so weve close that account. Made it a checking account and youre unable to use it as a savings account anymore. I said wait a minute when were you going to advise me of this And I was informed that they didnt have to so they had been charging me overdraft fees and I had a large amount of money sitting in a savings account and they were just charging me overdraft fees, eating up my money because they only allow me to do it three times but no one ever informed me of that.

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 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-11 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: CA

Complaint narrative:
I had a car lease and a car loan with XXXX XXXX. It was paid on time and in full. My credit score was lowered due to no record of an installment loan or mortgage. The credit agencys information is incorrect since Ive had a lease and loan This does not show on my credit report. I have a notarized letter from XXXX stating I paid in full and on time. The credit agency refuses to accept it from them stating that they did not originally report it to them.

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 2023-05-11 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: CA

Complaint narrative:
On XX/XX/2023, someone tried to open a XXXX XXXX credit card under my name and Social Security number. And how I found out about this issue is when XXXX XXXX called me that same day, and asked if I opened up a XXXX  XXXX credit card, which was a Hard Inquiry onto my Credit Report. So I immediately informed the XXXX XXXX customer support that I was not the one that applied for their credit card. Customer Support immediately blocked/locked that application/account and told me to call them back in the morning as I just got to work when they called me. I called immediately called back the next day and spoke with another XXXX XXXX customer support, and thankfully enough, there was no account opened up under my name and social security number. The customer support did inform me to contact All 3 Credit Bureau 's, to inform them that I contacted XXXX  XXXX and that they do not have any information under my name and social security number, in order to delete/erase that Hard Inquiry onto my Credit Report. I have contacted XXXX already, and they have deleted the Hard Inquiry. However, XXXX and TransUnion need proof of information from me, in order to delete/erase the Hard Inquiry. Please help me out with this issue as I do NOT want this on my Credit Report, as my scores have decreased because of this. Thank you.

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 2023-05-11 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: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX I CALLED XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT AND SPOKE WITH " XXXX XXXX ''. SUPPOSEDLY A SUPERVISOR. HE WAS VERY RUDE FOR STARTERS, HE ALSO REFUSED TO FILE A NEW DISPUTE FOR ME, BECAUSE THE COMPANIES HAVE FAILED TO RESPOND FROM XX/XX/XXXX. AFTER I EXPLAINED TO HIM I'M UNAWARE OF CERTAIN ITEMS ON MY CREDIT REPORT, AND THAT'S ENTIRELY TO LONG TO STILL BE WAITING ON A RESPONSE BY LAW. I THOUGHT I COULD FILE A DISPUTE IF I'M UNAWARE OR DON'T RECOGNIZE SOMETHING ON MY CREDIT REPORT. XXXX TREATS CONSUMERS TERRIBLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX  XX/XX/XXXX XXXX XXXX, I CALLED XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT AND SPOKE WITH " XXXX XXXX ''. SUPPOSEDLY A SUPERVISOR. HE WAS VERY RUDE FOR STARTERS, HE ALSO REFUSED TO FILE A NEW DISPUTE FOR ME, BECAUSE THE COMPANIES HAVE FAILED TO RESPOND FROM XX/XX/XXXX. AFTER I EXPLAINED TO HIM I'M UNAWARE OF CERTAIN ITEMS ON MY CREDIT REPORT, AND THAT'S ENTIRELY TO LONG TO STILL BE WAITING ON A RESPONSE BY LAW. I THOUGHT I COULD FILE A DISPUTE IF I'M UNAWARE OR DON'T RECOGNIZE SOMETHING ON MY CREDIT REPORT. XXXX TREATS CONSUMERS TERRIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: MS

Complaint narrative:
In response to a previous complaint ( XXXX submitted on XX/XX/2022 ) where I have disputed by providing you the actual credit report from XXXX and XXXX showing you a 3-column table of how XXXX XXXXXXXX XXXX is reporting and furnishing inaccurate information to my credit report. Experian you violating my consumer rights under FCRA. The XXXX XXXX Credit Card account, your company, Experian, is continuing to report this erroneous account with inaccurate information being furnished as of the amount of the alleged account, the status of the account to the payment status in dispute. XXXX has deleted this inaccurate account and you are continuing to report this information. I have attached a copy of the XXXX report. Your company 's reinvestigation procedures are not reliable, so I believe that if your company, Experian, can see how another reliable company should perform reasonable investigations. If you do not proceed with the results of DELETION of this inaccurate account, I will be forced to seek legal representation for monetary damages. 

I request that your company, Experian, email and mail me a copy of the results of the DELETION and mail me a copy of the updated credit report showing the deleted XXXX XXXX XXXX Card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 2023-05-12 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: TX

Complaint narrative:
Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-05-11 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:
Dear sir or Madam : I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that All accounts identified as identity theft in this report Ive supplied be removed immediately from my credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX compass account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  account XXXX XXXX XXXX ) XXXX  XXXX account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX  account # XXXX XXXX ) XXXX XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account XXXX XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 non-monetary relief
Consumer complaint received 2023-05-11 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:
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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP
State: OR

Complaint narrative:
Response from XXXX after discovering monthly charges for a service that was not requested nor needed, from : XXXX XXXX, Senior Escalations Manager, Legal & Compliance XXXX www.onetechnologies.net " Despite your suspicion that **** may have navigated to our website in error ( via click-bait ), and that she wouldve never submitted her personal information for our online product, I can assure you a member subscription in her name was purchased on XX/XX/XXXX at XXXX XXXX PT, and subsequently maintained for nearly four ( 4 ) years '' at a cost of {$29.00} per month " For the record, **** subscribed to XXXX via marketing website, XXXX ; my original response erred in identifying the domain extension as .com. Nevertheless, the site it is owned by One Technologies, although not one in regular use in XXXX. '' The website, ( XXXX ), provided in your original email is not valid and is for sale thru XXXX XXXX. 

" Whether or not *** believes she was responsible for establishing her XXXX membership in XXXX, she does bear accountability in allowing it to remain active for the ensuing 45 months, in which multiple credit services were provided to her, at cost. '' Any emails sent would have been identified as SPAM and being an elderly person, would not have been reviewed. 

" After reevaluation, Ive afforded *** two additional refunds of {$29.00}, which now gives her a 120-day reimbursement covering all four months she was billed in XXXX. '' This leaves a balance of {$1200.00} for services not requested nor needed by someone with excellent credit.

Company response to consumer: Closed with explanation