vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 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: MD

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish 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 explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: PA

Complaint narrative:
Billed for services not rendered ( {$110.00} ) on XX/XX/XXXX. I cancelled the doctor 's appointment several days prior to the actual appointment. Confirmation of the cancelled appointment was given to me in writing. Payment by check from me was accidentally sent to the provider, XXXX XXXX. Seven months later, I received another invoice for same appointment. I disputed as services were never rendered. I received my original check back with a letter from the provider, dated XX/XX/XXXX that there was no balance due. On XX/XX/XXXX, I was contacted by debt collection agency ( Receivables Outsourcing , LLC / XXXX XXXX XXXX / XXXX, Md XXXX ) trying to obtain payment for this appointment. I do not owe any money, as services were not rendered. I contacted XXXX XXXX, the provider, on XX/XX/XXXX and left a message, but no one has replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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:
In Accordance with the fair credit Reporting act XXXXXXXX XXXX Account # XXXX and 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 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 explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt

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 2022-05-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian reporting invalid account information on my Credit report. Multiple attempts was made to validate the account but has failed to produce the documentation. When disputed the incorrect reporting via credit bureau, I get credit report from the company and no investigation being conducted. The XXXX Bank XXXX is being reported as Derogatory and late payment. 


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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I requested a copy of my consumer credit report for Equifax. I also requested a copy of my consumer credit file. I was not able to download a copy of my credit report. They did not send my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file as well as a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: IL

Complaint narrative:
I want my late payments removed from my credit report. The loan is current and that particular loan has been transferred and closed.

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 2022-05-01 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: IL

Complaint narrative:
I want my late payments removed from my credit report. The loan is current and that particular loan has been transferred and closed.

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 2022-05-01 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:
In XXXX with the fair credit Reporting act XXXX XXXX  Account # XXXX and 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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:
In Accordance with the fair credit Reporting act XXXXXXXX XXXX  Account # XXXX and 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 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 2022-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
transaction date XX/XX/22 {$1000.00} Link to item : http : XXXX I had my grandma who had XXXX and had trouble bringing her airway secretions out. I was trying to buy a machine that would help her breathe better and mobilize those secretions so she can cough them out. The machine is called : The XXXX XXXX XXXX XXXX. 

I found it on XXXX which is a website where medical supply stores put their items. I made an account, got in touch with the seller, and purchased the device through a wire transfer, I was doubtful, but I really really needed this. So I sent it through my Capital One bank wire transfers. 

I changed my mind because the seller was using his banks address as his address and that looked fishy. I got on hold of a Capital one bank rep ( frauds dept ) 20 minutes after wiring the money. The rep reassured me that everything was going to be okay and I should have my money in my account after 7 business days. 2 weeks later I was told by Capital one that the frauds dept representative could not contact the wire department and nothing was done, therefore chances of getting the money were basically zero. This was the reference number from that initial conversation on conversation XX/XX/22 XXXX. 

XXXX. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A credit monitoring alert came that XXXX reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at BANK of AMERICA on XX/XX/2022. I immediately called Bank of America, reported it was FRAUD, spoke with XXXX in Security at Bank of America. I then called XXXX to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL XXXX XXXX. I'm waiting for written copy of police report to place extended credit freeze.

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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have previously disputed public records listed XXXX and XXXX and XXXX with Equifax and in response Equifax verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to Equifax or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve Equifax of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: PA

Complaint narrative:
Date issued : XX/XX/22 I filed an identify theft report requesting transunion to block and remove the inquiries off my report. I sent the inquiries I want removed, a copy of my driver license and a copy of my pay stub for identification. 

Transunion replied saying they needed further identification even though I sent a pay stub and my drivers license!

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 2022-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a follow up from Transunion through this portal that their follow up to my previous report would take 60 days. That is unacceptable as the rules state they only have 30 days. 

Meanwhile, I am being emotionally, physically and financially impacted because I can't get a decent automobile loan because of all the junk on my file.

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 2022-05-01 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office *XXXX XXXX account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 1681 Section 602 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.

15 USC 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 2022-05-01 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:
In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 1681 Section 602 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.

15 USC 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 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have previously disputed public records listed XXXX and XXXX and XXXX with TransUnion and in response TransUnion verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to TransUnion or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve TransUnion of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.

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 2022-05-01 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: NY

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. 

1 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights 2 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 3 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXXhas violated my rights XXXX Account # XXXXhas violated my rights 4 ) XXXX Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights 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. 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 2022-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I advised Citibank N.A. that I would be traveling to XXXX, XXXX XXXX, and XXXX. On XX/XX/XXXX while i was out with my parents, i purchased a product and my debit card was declined, so Citi blocked it for potential fraud, I got a call and I told the rep. that the transaction was legitimate and she released the block on my card. On XX/XX/XXXX I was grocery shopping with my mother and when we reached the cashier, my card was declined. I called customer service and the rep told me that the information I gave them didnt match to the account owner. I have been the owner of the account for over 10 years. Somehow, after hours on the phone, one of the reps explained to me that the girl who helped me on XX/XX/XXXX had, somehow, without filling out any forms, changed my personal account to my mothers name- I have an interest joint account with my mother- but she was never a co-signer on my personal checking account. The reps and supervisors acknowledge the mistake made by Citi and told us the only solution was to come in to a branch. I had just started my vacations! When asked if they would subsidize the plane ticket for me and my mother to come to NY and fix a mistake their team made, the answer was no. After 3 hrs on the phone, one of the fraud dept representative told me my card would be functional and linked to my personal account which now the owner is my mother and Im a co-signer! As long as I can use my debit card. 
On XX/XX/XXXX I headed out to XXXX XXXX with my parents and my uncles, all XXXX year old. And my card gets declined at the restaurant! Again I spent avg 1.5 hrs on the phone explaining what the error Citibank rep had made and to please allow me access to my money- Today XX/XX/XXXX Im in XXXX XXXX sitting at a restaurant trying to pay the bill, my card is declined! Now Citibank decided to change my debit card to primarily work with the interest checking joint account I have with my mother!! How can they be changing all this without any authorization!? 
The amount of stressXXXX XXXX time spent on the phone, headaches, even shame Citibank has caused me during this vacation is intolerable. As per my XXXX XXXX XXXX  this trip should be relaxing and calming before I get back home- Citibank made this impossible. Ive spent around 8hrs in total on the phone with Citibank XXXX and they all come to the same answer : you need to fix this in a branch. 
Why do I have to fix an error they made!? 
More importantly, how can a rep change the ownership of an account to another persons name? Without filling out the proper forms or in compliance with regulations and standard XXXX procedures.

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 2022-05-01 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: FL

Complaint narrative:
A credit monitoring alert came that TransUnion reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at XXXX  XXXX XXXX on XX/XX/2022. I immediately called XXXX XXXXXXXX XXXX, reported it was FRAUD, spoke with XXXX in Security at XXXX XXXXXXXX XXXX. I then called TransUnion to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL Detective XXXX. I'm waiting for written copy of police report to place extended credit freeze.

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 2022-05-01 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: IL

Complaint narrative:
This account was verified & accurate and some information was updated ; however, this is an identity theft account and there still several inaccuracies on this account still being reported because under FCRA all credit bureaus must report the same information. It appears that no thorough investigation was done Transunion has failed to provide proof of the investigation.

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