vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included in the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) on a consumer report is clear violation of the Metro 2 compliance. Provide me with Metro 2 compliance disclosure on reporting transactions to a consumer reporting agencies. I need the transactions reporting late, collections/charge off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in collections/charge off status WITHOUT MY PERMISSION and WITHOUT mailing ME A 1099-C Cancellation of Debt. Experian and the creditors reporting collections/chargeoffs and late payments on my consumer report are in violation under 26 US. 6050P Returns related to the Cancellation of Indebtedness but Certain Entities. If these derogatory account information is not deleted from my consumer report within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all entities. ALL OF THE FOLLOWING ACCOUNTS TO BE DELETED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Two inquires And all student loan accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Opened on XX/XX/2023, a new checking account for my sole proprietorship small business. An offer for {$700.00} was said to be available if making a XXXX XXXXXXXX deposit within 30 days of openkng and maintaining that balance from day 30-90 after account opening. Having met this requirement by making the required deposit on XX/XX/2023, and holding it through XX/XX/2023, I have yet to receive the promotional bonus.

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 2023-09-14 00:00:00
Product: Credit reporting 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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. Equifax and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was scammed by an event organizer who seems to be operating alone. They claimed to be an organizer for events in XXXX, took a XXXX payment for a ticket to an event and sent over the ticket for {$150.00}. They then requested {$100.00} for a refundable deposit for the venue. After sending me the time and address as well as instructions for arrival, I went and was told that the event was full and I would need to buy a VIP pass for another {$100.00}. I did not send that amount, and instead went into the venue to find it completely empty. They then blocked my number. I have their email and cell phone, as well as the XXXX receipts and the number its attached to. I called Chase immediately to try and cancel the two payments of {$150.00} and {$100.00} but they said they couldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/2023 at XXXX XXXX  I called Westlake portfolio to ask for my contract on my lease on my vehicle and they told me that they did not have a contract for my car and i ask why would i pay someone who I don't have a contract for, and the man stated that will repossess my car. I don't agree with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have been a GM cardholder since early XXXX. 

In XX/XX/XXXX, after attempting to replaced an expired card, my card never arrived in the mail, and approximately {$5000.00} in charges were fraudulently attempted with my card. GM resolved all but XXXX of them, XXXX for SQ WRECKER for XXXX and another for XXXX for XXXX. I first opened the dispute in XX/XX/XXXX, as evidenced by their first provisional credit. 

GM has rebilled me for a XXXX time as of XX/XX/XXXX. When I contacted customer service, I was told the evidence they have from these two merchants included my home address and a tracking number. As the cards were clearly lost or stolen in the mail, this is not a surprising find in my opinion.

In addition, the dispute was more than 90 days old and should have been fully resolved.

I have attached a recent discussion with one of the customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I called USAA American Express Credit Card Customer Service number at XXXX which was provided on the statement. 

Issue # 1 - they asked for my whole credit card number or my social security number to be provided to triage who i am before connecting me to a service representative.

Issue # 2 - when connected with a service representative, I was told I had to provide my account password as one of the personal varication steps.

Issue # 3 - i called for two reasons, but my complaint is on the second one. My credit card statement is showing charges from XX/XX/2023 through XX/XX/2023. And is showing Interest charge information tallied on XX/XX/2023. There is nothing on the statement that specifically states what date ranges the statement is covering so I must presume, based on the charge information, the statement is covering the period from XX/XX/XXXX through XX/XX/XXXX. My credit card limit is {$5000.00}. I had no previous balance. Between XX/XX/XXXX and XX/XX/XXXX, I had {$1000.00} in charges and no accrued interest. Yet, the statement is showing available credit is {$1500.00}. I was calling to get an explanation as to why the statement was not showing {$3900.00}. The service rep kept trying to say that it was because of charges accrued after the XXXX of XXXX- even though they are not reflected on the statement. This does not make sense as a statement is to reflect a point in time and should only consider that which is encompassed within the printed statement for the time frame that statement is covering. She was unable to provide an explanation as to why charges not represented on the statement were impacting my printed available balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT to be included on the consumer reports. Yet TransUnion is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. TransUnion and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-14 00:00:00
Product: Credit reporting 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:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CO

Complaint narrative:
I have tried to call 6 different times on different days. I use their callback system to have my place in line held until they call me back. Upon receiving a callback and verifying my identity, I am asked to be placed on a brief hold, the hold lasts about 3 seconds, then the call is dropped. I have never received a call back after the call is dropped. On my most recent attempt I asked to NOT be placed on a hold and explained that every time I'm put on a hold the call is dropped, and was told " I can not have silence on the line. '' I again asked to NOT be placed on hold. The representative said " ok I will not put you on a hold, '' the line went silent, and my call was again dropped within 10 seconds. The live chat feature does not work, I have submitted an email request, but have not received any confirmation that they have received my email or a wait time associated with an email reply. 

Dates of calls : XX/XX/23 ( 2 times ) XX/XX/23 ( 2 times ) XX/XX/23 XX/XX/23

Company response to consumer: Closed with explanation