vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-13 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: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought charged off account from Reliable credit Associates ( third party creditor ) who was assigned my contact from XXXX XXXX XXXX XXXX who sold a used car from their lot and vechile service contracts and GAP insurance to myself on XX/XX/XXXX. I gave a required down payment and a car for trade-in and was told that the insurance add one were required.

Reliable credit Associates bought our contract knowing that we had a prior car repo and deficient balance still owed to them and did so to be predatory I'm their business practices. 
XX/XX/XXXX the high mileage truck broke down and husband 's job at a hospital in his new career was priority. Of course the fixes were not covered under contract add ons and reliable credit refused any viable solutions. So, we voluntarily gave back this broken down truck that did not run XX/XX/XXXX. 13 months into a 48 month installment contract agreement. XX/XX/XXXX Reliable credit associates bought the car back in the auction and then charged off debt XX/XX/XXXX. 
This collection agency was in court by XX/XX/XXXX and never validated this debt to this day XXXX. Proper validation notice was to be given before reporting anything on all three credit bureaus. XXXX not knowing who the judgement was from disputed this debt and it was deleted. 
This company had no right to sue in court and won by default. Using illegal and deceptive business practices. 
Then continues after winning by default come to find out had not right to sue and no right to report such alleged debt. The damages done to our family over these year 's are more then I can explain or bare. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is a Debt collector has NOT followed the rules about how to contact ME, they can NOT report MY debt to a credit reporting company, IF RULES HAD BEEN FOLLOWED PROPERLY AND Followed ALL OTHER LAWS then they would of had the right to report this illegal judgement on my credit reports. 
Prove you own this debt, that I owe the debt and that you had the right to sue me?? 
Prove that reliable credit associates even owned this debt and what is owed before they sold it to you??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have sent letters to the bureau for about three months now in the attachment below will have the receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have sent letters to the bureau for about three months now in the attachment below will have the receipts.

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 2023-02-13 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-13 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:
In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX & XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that 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. 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 2023-02-13 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: GA

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

Account Name : XXXX  XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that 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. 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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I am the Executor of my mother 's estate. When I paid her bill I overpaid by the amount of {$47.00}. I wrote to them XX/XX/2022 and provided my letters of authority from the probate court as well as their statement evidencing a refund due the estate. I followed that up with a telephone call on or about XX/XX/2022 and talked with a supervisor " XXXX ''. XXXX acknowledged the receipt of my previous correspondence and it's enclosures. XXXX stated they also needed a copy of the Certificate of Death. By letter dated XX/XX/2022 I again provided a statement showing a credit balance and the certificate of death. While I have not yet received the refund they have stopped sending me the statement showing a credit balance. 

This amount is not large. it is, however, causing me a great deal of work resulting in lost time, time equals money. In addition, the estate is now closed due to the time frames involved. I will incur additional expense in reopening the estate and believe that XXXX by Goldman Sachs should reimburse me for the time, expense, and penalty. They did require a penalty of me when I was a month late in paying their bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Today is XX/XX/XXXX, and again, I have not receive my year-end statement, also known as IRS tax form 1098 for the year XXXX, from Select Portfolio Servicing, as required by law. 
However, on XX/XX/XXXX Select Portfolio did take the time to submit fraudulent documents were my signature and initials were forged, copied and pasted to fraudulent documents. 
Select Portfolio Service also has not posted my XX/XX/XXXX payment as required by law. This is a common practice of Select Portfolio Servicing. Select Portfolio Service also stated that CFPB was sent the same fraudulent documents XX/XX/XXXX that was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax continues to furnish unauthorized information on my Consumer Report. Willful non compliance Deleting these Unknown Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Over the time Ive had the Upgrade card, the account has been closed multiple times for reasons unknown. Ive had the card on auto pay and havent missed a payment. This last instance is the reason Im reporting today. My auto pay came as per usual of {$96.00} with no issue on XX/XX/XXXX, on XX/XX/XXXX i received a notice stating my account was closed. I wasnt sure why so I called. I was told that although I make on time payments and monthly payment was received the day before they had to close the account. They explained they did a random credit check and was told I was delinquent on another credit card, so they closed this one so that I wouldnt go into debt with them. The two cards have absolutely no connection with one another and the information they were provided was incorrect. They told me they would keep me on auto pay because they want to make sure they get paid but I no longer will have access to the card. If I stopped paying they would report me delinquent. I believe this is an unfair practice especially when Ive made my payments on time and have not given them any issue since Ive had the card. Upgrade credit was to help build my credit but instead I feel like they arent helping me at all. My credit limit was also reduced due to these random credit checks, its really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
While on vacation in XXXX, Florida, I rented a vehicle on XX/XX/XXXX, at the XXXX XXXX XXXX XXXX near the airport. At that time I was charged for a rental period of one week, plus a deposit of {$200.00}, which was to be refunded upon turning in the vehicle. I used my XXXX XXXX XXXX XXXX issued through the XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX I returned the vehicle to the rental agency, where an inspector checked for any damage and okayed the release of my {$200.00} deposit. The deposit would have been credited to my XXXX XXXX XXXX XXXX. 

Upon returning home I found a letter that arrived in the mail containing my new XXXX XXXX XXXX. The servicing of my account had been moved from XXXX XXXX XXXXXXXX to Comenity. After about a week I started looking for the {$200.00} credit to appear in my credit card transactions, but it wasn't there, so I emailed XXXX XXXX XXXX Their customer service rep checked with the XXXX office and verified that my deposit had been released on the day that I'd returned the vehicle. After waiting another week I contacted Comenity by phone and filed a dispute. Comenity does not have an online dispute tool, nor is there any online customer service. After hearing nothing from Comenity for some time, I sent a dispute letter on XX/XX/XXXX to their XXXX, Ohio address listed on my credit card statement. 

Late in XXXX, XXXX, I contacted Comenity by phone to inquire about my dispute. The agent was only able to say the the dispute is still under investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-13 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-13 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is illegally withholding my funds from my account they placed a 48 hour hold on the account XX/XX/23 and stated that it will be off XX/XX/23 when called on XX/XX/23 they told me there is no certain time and I just have to keep calling to see when it has been lifted and they dont have the number to the back office they have to just email and wait. Im have to pay my bills Im loosing my car and they are preventing me from paying off the car so it can be in good standard by freezing and withholding my funds.

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 monetary relief
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have made several attempts to have the credit reporting agencies update/remove personal information that is incorrect. 
On XX/XX/XXXX, I sent a letter to Transunion requesting they update and remove incorrect personal information. It has been more than 30 days since I submitted this request and after reviewing my credit reports on several occasions the incorrect personal information still remains on my credit reports i.e. also know names as, old employer. 
I also called Transunion on XX/XX/XXXX to once again have this personal information removed and the agent assured me that it would reflect on my report with 24-48hrs. It has been almost a month and the incorrect personal information still remains.

This is creating issues with applying for lines of credit as lenders are using invalid addresses and personal information hence suffering from personal in the form of being unable to secure small business loans.

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