vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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:
Incorrect payment history reported, In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 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 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 2022-05-14 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:
Incorrect payment history reported, In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NV

Complaint narrative:
on XX/XX/2022 I made a dispute for some unauthorized transactions for approx $ XXXX On my credit karma money spend account. 
on XX/XX/2022 I received a letter from credit karma stating that per Regulation E guidelines we have issued you a provisional credit to your account for $ XXXX and you now have full access to these funds while we finish investigating your current dispute. 
That letter obviously was just to make it look like they are in compliance with Regulation E when really they are not. 
I didn't receive any provisnal credit on XX/XX/XXXX nor do I have access to any of those funds. 
They are clearly in violation of the federal guidelines, all while attempting to act like they are in compliance. 

They shouldn't be able to get away with this without penalty Guidelines are in place to protect the consumer and this company is clearly doing it how they want to do it. 
This company is obviously trying to buy more time and avoid issuing the appropriate provisnal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In the attached letter to me from Bank of America, dated XX/XX/XXXX, XXXX XXXX of Bank of America states that they will remove two hard inquiries from my credit file : one hard inquiry on XX/XX/XXXX, and the other on XX/XX/XXXX, XXXXBank of America knowingly committed deceptive, abusive and unfair marketing practices through their website 's online tool to allow pre-approval checks for their credit card offers. As a result of my complaint against this, Bank of America and XXXX XXXX took minimal responsibility for their actions by agreeing to remove these hard inquiries. As of the date of this CFPB complaint, these hard inquiries remain on my credit files ; they have not been removed ; and they are causing a derogatory and intentionally harmful impact to my credit -- directly as a result of XXXX XXXX and Bank of America 's failure to do as agreed in their attached correspondence. In addition to this, In XX/XX/XXXX, I left XXXX XXXX ( phone number XXXX XXXX and her counterpart at Bank of America, XXXX XXXX in their Regulatory Complaints department ( her phone number is XXXX XXXX ), to let them both know that XXXX XXXX was placing harassing and unwelcome phone calls to me. I asked both of them to speak directly to XXXX XXXX 's manager to discuss XXXX XXXX 's harassing and unwelcomed phone calls to me. As of the filing of this complaint, I did not receive any follow up to this complaint about XXXX XXXX 's unprofessional and potentially illegal conduct during her investigation of my regulatory complaint. Bank of America, and particularly XXXX XXXX, continue to demonstrate that they are knowingly and intentionally engaging in illegal conduct and practices, and they have not done their due diligence to act as they said and to investigate my complaints of harassment and unwelcomed contact from XXXX XXXX. XXXX XXXX also, intentionally, did not give her true and accurate phone extension in the attached packet of paperwork that was mailed to me. This is a third, knowingly intentional violation by XXXX and Bank of America to intimidate, harass and coerce me out of exercising my rights under all applicable consumer and FCRA protections. I believe XXXX XXXX did, intentionally, call me several times, after I left her a voicemail to ask her to cease contact, in an effort to intimidate, harass and abusively treat me during the exercising of my rights to report what I believe is false, deceptive and abusive marketing practices by Bank of America.

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 2022-05-14 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: TX

Complaint narrative:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit 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 non-monetary relief
Consumer complaint received 2022-05-14 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: GA

Complaint narrative:
Im XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. XXXX and Experian have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted Experian and XXXX again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both XXXX & Experian at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft.

15 USC 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.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 






XXXX XXXX XXXX Reported On XX/XX/XXXX Account Balance {$370.00} Reported By Receivables XXXX Reported On XX/XX/XXXX Account Balance {$1700.00} Reported By BANK XXXX XXXX Reported On XX/XX/XXXX. XXXX Reported By XXXX XXXX XXXX XXXX  Reported On XX/XX/XXXX Account Balance {$3600.00} Reported By XXXX XXXX XXXX Reported On XX/XX/XXXX Account Balance {$1700.00} The XXXX XXXX XXXX XXXX XXXX amount. Experian is reporting this account. 

Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1000.00} Closed Below are the credit inquiries that do not belong to me! 

XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX These are showing on Experian and XXXX credit reports

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 2022-05-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

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 2022-05-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TX

Complaint narrative:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit 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 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a cashier 's check, pay by XXXX bank into my Wellsfargo account. The check is under {$1500.00}, made payable to me. Upon depositing the cashier 's check via mobile deposit, I was sent an email saying that my deposit was received and the funds would be available the next day. With a disclosure at the bottom saying some checks may require additional verification and the funds may not be available for 1-3 business days, but if that happens they will notify me and explain why.

The next day the funds are not available and I did not receive any kind of notice on why. I went into the bank itself with the cashier 's check and asked why the funds aren't available and they tell me to call the 800 number. I call they say XXXX bank placed a hold on the check. I go into XXXX Bank they say there is no hold on the check and that it cleared the day before. She even called Wellsfargo to tell them that it's been paid and printed out the paper showing that it's been paid. I then call Wellsfargo again, and am told that the check already posted to my account and that my balance is showing that it's available, but it's not, so then he transfers me to someone else who tells me that no it has not posted or been paid by XXXX and that there's a hold on it placed by XXXX. I tell him no there's not, I have proof of such. He then tells me Wellsfargo is holding it for verification reasons, I ask what reasons and what can I do for this verification to be completed, he tells me he doesn't know and transfers me to someone else. I ask them to just cancel my deposit so that I can take my cashier 's check and cash it at XXXX, she tells me that once the check is in the system they can't just cancel it and that the funds will be available on the XXXX ... That's NINE days after the funds were supposed to be available. I ask her who can I talk to to get the hold removed she said she doesn't of anyone who can do that and that I will just have to wait. 
Wellsfargo has already received the money from XXXX bank, the check has already cleared, but they refuse to make the money available to me, and can't tell me why.

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 2022-05-14 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$330.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00} XXXX XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$290000.00}

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 2022-05-14 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$800.00} TransUnion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$530.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$300000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$290000.00}

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 2022-05-14 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NV

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a 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 2022-05-14 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:
The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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 2022-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation