vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: CA

Complaint narrative:
XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX  I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago

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 2023-02-07 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: CA

Complaint narrative:
XXXX XXXX continues to unlawfully report account. I inquired and elected not to move forward with account given type of account and requested that they not only cancel application but furthermore delete my info entirely from their database as verified by documented disputes from over 5 months ago preceding any such reporting to XXXX I do not have a phone, email or ach attached to any such account. I have attempted to reach them via phone, email and usps as well as oversight They allege they deposited a minute amount of {$90.00} I combed through and see no such deposit and there is not ach associated per last contact I even stated in writing over 5 1/2 months ago i would be happy to pay instant via certified funds debit as long as they refund me whenever they received this deposit back as I see no mention of any deposit anywhere I have significant documentation that shows lengthy dispute process and I have been contacting them for 5 + months and that I offered to pay 5 plus months ago even while under documented dispute Additionally they continue to report in error they have now not only cost me considerable time lost towards rectifying XXXX XXXX further impugned my character cost me thousands in credit a clearance and mortgage approval in which I intend upon seeking damages for if they do not remove this immediately from XXXX and delete my info as requested in writing and acknowledged by then 5+ months ago

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Someone got a hold of my personal information in XXXX of XXXX. They applied for several credit cards. I disputed the accounts. I was able to get all of them closed and removed from my credit report by around the end of XXXX. However, a credit card account from COMENITYCAPITALXXXX reappeared on my credit report with a lower charge limit in XXXX of XXXX. I disputed the account again. This dispute resulted in XXXX verifying the account information as accurate. I don't know how that is possible. I did not open this account. 
I called COMENITYCAPITALXXXX in XXXX of XXXX and informed them that I had not opened this account. Supposedly, they closed the account. They also sent paperwork for me to fill out to verify that I did not authorize the account and to have it removed from my report. Admittingly, I did not complete the requested paperwork. To my knowledge, they had closed the account and it was already removed from my report at the time. Again, the account has reappeared. It is currently showing a {$0.00} balance. I would like to have the account permanently closed and removed before any charges are made. 
Page 5 asks if the credit card has the same billing address as my mailing address. I do not believe it does. The company representative stated they have another address on file. I do not know the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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:
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
I paid this debt when I left the XXXX XXXX XXXX and I showed them proof when I received a phone call from them and they said they will get back with me and never got in contact with me just put me in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates continues to call my spouse about my debt from 5 years ago. He has repeatedly told them to stop calling and they continue. They call about 10 times a day from 10 different numbers. I also never received any written documentation about this debt to any address Ive ever lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair INQUIRIES that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: MI

Complaint narrative:
Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXXXXXX XXXX. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
opened a savings account yesterday afternoon successfully, but couldn't log in today... website saying " temporary locked ''. Called their CS and verified all my personal infomation, been hold for more than 40 mins and then they told me my account has been permenantly closed, no reason explained! What an excellent bank! Well done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX  Has reported that I have been involved in several not at fault accidents that havent happened causing my insurance rates to increase. 
Specifically on : XXXX, then comprehensive claim over {$1000.00} on XXXX XX/XX/XXXX that isn't mine. Another accident XX/XX/XXXX which isn't mine. 
These need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: CT

Complaint narrative:
I took a look at my credit reports and discovered a plethora of inaccuracies. I understand under the law, " if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. '' I sent dispute notifications to all companies and filed disputes online. These companies maintain their information is accurate even though it is not. In addition to reporting inaccurate information, the companies in question also re-aged the account. 
To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' To remain in compliance with the law, I request the immediate removal of accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 list of accounts below has violated my federally protected consumer right to privacy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 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 accurate.

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 2023-02-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX section XXXX A. XXXX I have a right to privacy. 
XXXX XXXX. Section XXXX A. Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX. c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer reporting 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 more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 accurate.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
The XXXX Washington BECU location the representative on their customer service line named XXXX made fun of my XXXX and declared I was at fault before an investigation even began. 
MY car was broken into on XX/XX/XXXX and my checks, debit card, bank pin information were stolen. I immediately called my bank and let them know. A few days later some checks that I did not write went through the account. I had no idea because without any notification, my online banking access had been disabled for days before I noticed it. I called to see what was going on and I was told that in order to move forward and for them to investigate the unauthorized charges, I needed to file a police report and bring it to the bank. Not true. That is a violation of Regulation XXXX and the bank had a responsibility to promptly investigate it in 10 days. I spoke to a very rude woman who ( before they even started the investigation ) proclaimed that I was a thief and that I stole this money. The 10 day clock started on XX/XX/XXXX. It is XX/XX/XXXX and I just called to recieve an update since I have still been locked out of my online banking access, have received no calls or mail and spoke to 2 people who claimed I would need to file a police report if I wanted them to dispute it any further. Several representatives made disparaging remarks about my memory and called me a " liar '' and " stupid '' even though they are aware that I suffer from a XXXX XXXXXXXX that is protected under the ADA. I was made fun of for my XXXX and humiliated as a punishment for expressing the rights of mine they were violating. 
I was not given due process in this situation and my rights were violated. In order for the them to bide their time they secretly locked me out of my account without any warning prohibiting me from reporting it to them in a timely fashion, they lied to me and said I had to obtain a police report before they were able to investigate unauthorized charges, the investigation was not conducted promptly and went well over 10 days and no provisional credit or access to my account was provided, before they even started the investigation their mind was made up and I was told directly that I was at fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

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 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 2023-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Moneylion continually fails to credit my payments when they are received. This has occurred month after month. Currently they are in possession of my most recent payment, received by moneylion on or before XX/XX/2023, cashed by moneylion on XX/XX/2023, and has yet to be credited to my account. I have asked multiple times for multiple months for moneylion to correct this issue and they refuse to remedy. This has resulted in hours of my time, all to get them to do what is required by this protection bureau.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: MS

Complaint narrative:
Equifax is not honoring their duty of accurate and correct reporting on my credit report. Equifax is inaccurately reporting a late payment on my credit report for the XXXX XXXX XXXX  account ending in XXXX. This includes a 30 day late payment reporting on XXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Equifax completely violating my consumer rights. I did not give Equifax my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that equifax has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.

Company response to consumer: Closed with explanation