vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1995 Transunion XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX I recently purchased a copy of my Transunion credit report through the Transunion online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Transunion through arbitration. 
Again, I reject the arbitration clause in the Transunion interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Transunion has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Transunion has been prepared for Presentment to Transunion, by me, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022 my account was debited for three separate amounts {$17.00} {$9.00} and {$46.00} in XXXXXXXX XXXX. Meanwhile I live in XXXXXXXX XXXX  and have not traveled. I have advised this to Chime support and they have denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: PA

Complaint narrative:
On XXXX XXXX, I requested my XXXX XXXX credit card account numbers from Marcus by Goldman Sachs.As of this date I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover EMailed co-signer violating 15 USC 1621. Discover should be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
The inquires below are unknown inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inquires below are unknown inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  # XXXX & XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 2022-10-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX # XXXX XXXX XXXX  # XXXX ; XXXX XXXX XXXX  # XXXX & XXXX ; XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXXXXXX XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 2022-10-30 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: FL

Complaint narrative:
Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2022-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
I do not have any accurate dates as this situation was from XXXX. I visited an emergency room thinking I had insurance which I was spaying for through my job, it hadnt been active yet & I didnt know this until after the services provided. I received a bill for around XXXX XXXX I had started making payment but then had gone through some hardships & couldnt afford it. Which I had stated to the collections company. Years have passed & at one point during covid a XXXX $ medical bill showed up on my credit. A few days later it was off my credit. Now there is a XXXX $ bill in collections on my account that says it was opened XXXX of XXXX but the bill is from XXXX. Nobody has ever offered me any sort of assistance for this situation & I firmly truthfully believe I should not have to be dealing with this situation at all. Please help me in any way possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Webcollex, LLC
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX since XX/XX/2022 to have an account status corrected which is being reported as Open. This account was paid in full XX/XX/2022 account with XXXX XXXX XXXX, XXXX with account number ending in XXXX. Its still showing as paid collection Open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In XX/XX/2022, I found out my current account was closed due to non-usage and spoke with the credit card company and was advised of the new policy of the card account 's new procedures and was advised the account was going to be reinstated. Since XXXX the account has not been reported to the three bureaus as open/never late and I was advised the credit card company would do so. It is now XXXX and the credit card company has not done so I also asked the three credit bureaus about the account status and that I have a current balance and would be advised of the update. The credit bureaus are saying that the account is still closed when as of today I have a current balance.

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my report, I attempted to dispute two incorrect addresses online. I could not dispute online due to my XXXX XXXX XXXX XXXX reporting these addresses. Once I was aware of an error, I spoke to a XXXX XXXX representative over the phone to resolve and/or correct any errors. 

Then I called Experian on XX/XX/2022 to dispute the inaccurate address and was told it would be updated almost immediately. However, these addresses are still reported in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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 have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request.

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for inaccurate names on my reports addresses that I am not living at to all three agencies. I also did this process in XXXX of XXXX and was put back on my Experian report. I enclosed documentation providing proof of my identity, and current address, as instructed to do the website. The three agencies have not removed the incorrect names and addresses.

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 2022-10-30 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX of XXXX was unauthorized to make an inquiry on my credit, yet he fraudulently did so!

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wrote Experian to dispute XXXX XXXX OVER A MONTH AGO. I did not hear from them about the reporting accuracy of this alleged debt. They are in violation of 15 USC 1681c ( a ) ( 6 ) ( A ) no consumer reporting agency may make any consumer report containing any name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer. They are also in violation of 15 USC 1681i ( 1 ) ( a ) Consumer reporting agency to conduct a reasonable reinvestigation, 15 USC 1681i ( a ) ( 1 ) ( A ) Consumer agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.15 USC 1681i ( a ) ( 2 ) ( B ) Consumer reporting agency shall provide to the person who provided information in the dispute all relevant information regarding the dispute that agency received from reseller and 15 USC 1681e ( b ) Accuracy of credit report. need for Experian to Compensate me for every violation they have committed by violating my consumer rights. I have enclosed my invoice Please Make check payable to 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 non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
National Recovery XXXX is attempting to collect a XXXX  invoice that I was never given, nor aware of. It is not my debt. The letter has Account # XXXX for the amount of {$6100.00} for XXXX. 
I was never given an invoice, nor aware of this debt. 
I have medical insurance and assistance.

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 2022-10-30 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: Continental Finance Company, LLC
State: MD

Complaint narrative:
I called Continental Finance card service On XX/XX/XXXX when I have discovered credit card fraud on my XXXX  card after I made a {$700.00} payment to pay down my debt on the card and XX/XX/XXXX. When I went to check on my account and payment information on Sunday the XXXX was when I realize that all of these out of town charges were found on my account. There is only one purchase ONLY that I made on my card that was on the XXXX to buy perfume for {$100.00}. I realize that when I checked my wallet that I lost the card from my possession. I have fraud charges from several states and holds on my account from an XXXX XXXX, a liquor store, and a XXXX  hold in on XX/XX/XXXX in place. The false charges were for XXXX for XXXX in XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX in XXXX for XXXX, XXXX in XXXX for XXXX and another charge for something else for XXXX dollars. Charges were made on my card on XX/XX/XXXX, XXXX, XXXX, XXXX and the XXXX, I live in XXXX XXXX  and I am a partially XXXX XXXX XXXX XXXX XXXXn who does not use my card much and these charges are not mine. I know no one in any of these states and DO NOT eat at any places like these at ALL!. I want my money refunded back to my account because I paid XXXX dollars to reduce my debt on the card and then someone go and accessed my card. I did make a police report in the county where I live here in XXXX XXXX Maryland. All of these charges are from out of state where I have never been which is in California and Texas. They also sent me a replacement card that I have not activated until they return the fees that were taken from me.

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 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Online banking transactions are showing up under wrong merchants and when I tried to open a case for this issue with a representative over the phone, they ended up canceling my card without telling me. In addition to the merchants being incorrect, there are also constant withdrawals//charges that I didn't process and then immediately the exact amount returned. Sometimes from the same merchant as the deduction, sometimes different. Call representative confirmed that the merchants on their end are correct but that it's showing up incorrect on my end. There are even multiple interest deductions and added back. Things that were showing up correctly suddenly showing up at a later date incorrectly. There has been 2 times where charges I was certain were completed completely disappeared. This makes the online banking service inaccurate, misleading, ineffective, unreliable, and unsecure. Calls are either being intercepted or representatives are regularly providing misleading information and talking incoherently in circles using relevant key terms in completely illogical and unhelpful ways. One had me repeat the spelling of my address numerous times ( including the spelling repeatedly ) and one of the reasons is that the spelling of XXXX translated to XXXX to him. Just word salads and repeated inconveniences.

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 2022-10-30 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: MS

Complaint narrative:
i have had my credit reports from equifax XXXX XXXX all have pulled my personal credit report from mulitple sources over XXXX times since XX/XX/2021, I have not authorized these credit pulls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: IL

Complaint narrative:
I went into collections in 2017 over this with XXXX. Different debt collecting companies keep transferring the accounts and harassing me when I can not pay of this debt. I have told them many times to not contact me anymore as this debt will fall off my account in a few more years and to stop making it look like this is a new account everytime a new debt collector buys this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation