vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 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: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
On Friday XX/XX/XXXX, I mailed a check for {$500.00} to the State of Michigan for the purpose of playing for state taxes. It appears that this check was stolen out of the mail, and the contents were written over with a new amount of {$5100.00} and written out to someone named XXXX XXXX. I have no idea who this person is nor have I ever made out a check for that large amount and never to an individual. Alliant Credit Union did not flag this transaction and I did not have a notice for this until the transaction was completed on XX/XX/XXXX. I contacted Alliant where the representative stated this will entail a 30-90 day transaction and the bank will consider crediting me this account in 10 business days. This amount stolen from me is so large it is financially crippling to me and I can not wait that long. Alliant Credit Union had an image of this check on the list of transactions for my checking account which I would have attached to this complaint, however this has since been deleted by the credit union.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 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: GA

Complaint narrative:
I am writing to formally dispute an unresolved issue regarding the investigation of a late payment dispute on my credit report. It has come to my attention that TransUnion has violated my rights by failing to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I submitted a dispute regarding a late payment entry on my credit report. As a responsible consumer, it is my right to ensure the accuracy and fairness of the information reflected in my credit history. I provided all the necessary supporting documents and requested a thorough investigation into the matter. 
Despite my efforts and your obligation under the FCRA, I have not received a satisfactory response to my dispute. The lack of a comprehensive investigation is not only a violation of my rights but also undermines the integrity of the credit reporting system. 
I kindly request that you rectify this situation immediately by conducting a diligent and unbiased investigation into the disputed late payment entry. I expect a prompt response detailing the actions taken and the outcome of the investigation. Additionally, I request the removal of any inaccurate or unverified information from my credit report, as per my rights granted by the FCRA. 
Please be aware that, as a consumer, I am well aware of my rights under federal law. If my concerns are not addressed adequately within [ 30 days from the date of this letter ], I will be left with no choice but to escalate this matter further, which may involve filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies available to me. 
I trust that TransUnion will take this matter seriously and handle it with the utmost urgency. Your cooperation in resolving this dispute promptly will be greatly appreciated. 
Thank you for your immediate attention to this matter.

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 2023-07-02 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: PA

Complaint narrative:
PLEASE CAREFULLY READ FTC REPORT, AND ALL OTHER ATTACHMENTS. PROPER IDENTIFICATION IS ATTACHED AS WELL. 

XXXX XXXX XXXX IS COMMUNICATING WITH ME ABOUT AN ALLEGED DEBT THAT I DO NOT OWE THEM. DEBT IS AN OBLIGATION OF THE UNITED STATES..NOT ME. I HAVE NO CONTRACTUAL AGREEMENT WITH XXXX XXXX XXXX.CXXXX XXXX XXXX HAS OBTAINED MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT AND SHARED IT WITH A NONAFFILIATED THIRD-PARTY ( EXPERIAN ) AND USING IT FOR THEIR FINANCIAL GAIN AND AT MY EXPENSE AND ARE HARASSING ME AND TRYING TO COERCE ME TO PAY A DEBT I DO NOT OWE. XXXX XXXX XXXX IS IN DIRECT VIOLATION OF THE GLBA, FCRA, AND THE FDCPA. PLEASE DELETE THE ALLEGED DEBT AND ACCOUNT FROM YOUR FILES AND RECORDS IMMEDIATELY!! I AM ENFORCING MY RIGHTS AS A CONSUMER WHICH XXXX XXXX XXXXXXXX AND EXPERIAN ARE TO HONOR. 

EXPERIAN IS REPORTING INFORMATION FROM XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT WHICH I DO NOT AUTHORIZE. EXPERIAN IS IN DIRECT VIOLATION OF THE GLBA AND THE FCRA. EXPERIAN FAILED TO CONDUCT THOROUGH INVESTIGATION RELATING TO THE ALLEGED ACCOUNT BEFORE REPORTING IT ON MY CONSUMER REPORT. EXPERIAN DID NOT CONTACT ME NOR GET CONSENT NOR AUTHORIZATION TO REPORT THE ALLEGED ACCOUNT NOR ANYTHING ON MY CONSUMER 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 2023-07-02 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: PA

Complaint narrative:
On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : XXXX30 Day late payment XX/XX/XXXX -30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX  informing them of the inaccuracies reported in my credit.

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

Complaint narrative:
On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : -30 Day late payment XX/XX/XXXX -30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX informing them of the inaccuracies reported in my credit.

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 2023-07-02 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: PA

Complaint narrative:
On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : -30 Day late payment XX/XX/XXXX XXXX30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX  informing them of the inaccuracies reported in my credit.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: MS

Complaint narrative:
I paid for services on self and it really misled me and I didnt know it understand what I payed for and they wouldnt let me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Credit inquiry by cap one on XX/XX/23 that wasn't made by me. 
Credit inquiry by trust  on XX/XX/23 that wasn't made by me

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

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX balance XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX balance XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-02 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: SC

Complaint narrative:
I am writing about 2 issues with Transunion not having my writing instruction to report items on my consumer report & Tranunion reporting incorrect information on my consumer report. 

This section is very clear that Transunion must have my written instruction. And they dont have my instruction to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  on my credit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Secondly, Transunion is reporting XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX on my consumer report as Charge off 's after they file 1099C. Charge off is defined as Gross Income by IRS. And they have already received income from IRS for the alleged debt. And income is not suppose to be reporting on my consumer 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 2023-07-02 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: 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 confidentially under 15 USC 1681. 

I have made several attempts with Equifax to investigate these accounts the following accounts. ( XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). However, they stated everything was complete and accurate. This is erroneous, because the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

XXXX XXXX Equifax Shows the account was open XX/XX/XXXX, but XXXX showXX/XX/XXXX. Also Equifax shows last payment of XX/XX/XXXX, but but XXXX reports XX/XX/XXXX. 

XXXX XXXX XXXX Equifax shows open date XX/XX/XXXX, but XXXX shows XX/XX/XXXX. Also XXXX shows last payment XX/XX/XXXX, but Equifax shows last payment made XX/XX/XXXX. 

XXXX XXXX - XXXX shows the last payment made on XX/XX/XXXX, but Equifax shows the last payment was made on XX/XX/XXXX. 

XXXX Equifax shows the account was open XX/XX/XXXX, however XXXX reports the account was open XX/XX/XXXX. 

1

5 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they arent even in compliance with metro 2 credit reporting. Please review attached evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: 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 confidentially under 15 USC 1681. 

I have made several attempts with TransUnion to investigate these accounts the following accounts. ( XXXX - XXXX, XXXX XXXX XXXX, and XXXX XXXX ). However, they stated everything was complete and accurate. This is erroneous, because the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

XXXX XXXX XXXX Shows the account was open XX/XX/XXXX, but TransUnion showXXXX. Also XXXX Shows date of last activity XX/XX/XXXX, but TransUnion shows XX/XX/XXXX XXXX XXXX - XXXX shows open date XX/XX/XXXX, but Transunion shows XX/XX/XXXX. Also Transunion shows last payment XX/XX/XXXX, but XXXX shows last payment made XX/XX/XXXX. 

XXXX XXXX shows the account was open XX/XX/XXXX, however Transunion reports the account was open XX/XX/XXXX. 

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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. Please review attached evidence to prove my case.

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 2023-07-02 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: OH

Complaint narrative:
In accordance with fair credit Reporting act XXXX Account XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC Section 602 states : I have the right to privacy.

15 USC 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit inquiry by XXXX XXXX on XX/XX/23 that wasn't made by me. 
Credit inquiry by XXXX on XX/XX/23 that wasn't made by 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 2023-07-02 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: TX

Complaint narrative:
In accordance with the fair credit reporting act violation. 
The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. 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 2023-07-02 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: TX

Complaint narrative:
In accordance with the fair credit reporting act violation. 
The following accounts : XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX, went to Chase bank in XXXX, XXXX, TX to cash my payroll check. Was told no, limit is {$2500.00}. XXXX XXXX, a mgr., came over and kept saying no no No without hearing the teller or me, and was very rude. I offered to open an account, XXXX XXXX cut me off and overruled the teller saying XXXX hold my check for up to 30 days if I do. I inquired why was he doing this, he replied its our policy and repeated it 4 times like he was a child having a tantrum. He never provided a copy of any policy to substantiate his claim, and never offered to. I reminded him my employer banks with them, he said so, you dont. His behavior was inappropriate, and unprofessional. He was personally belligerent and lacked even basic courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America XXXX, Mn This account is all fraud and they want me to pay for this.. I tried several times to make arrangements, and they refused, I tried to make a payment with cash, check, debit card and they refused... they wanted all the money or none..I told them that i had gotten scammed and was unable to pay the balance and finally my new mortgage company had to get involved and forced them to take the payment. of {$120.00}. from me and told them the rest was fraud and scam charges and still kept wanting more money .... 

They are very difficult and hard to deal with. I have been in contact with the police and finally got a report. Case # XXXX Its a scam and Fraud case of {$35000.00}, in credit cards and stealing of bank account information. 

These scammers said with would help me pay of the bank of America account, just give them he account number and they would pay it off ... .Yes they did and in 2 days they reversed the payment. which created more charges. The balance is at over XXXX 

this continued with 3 other credit cards, and with in 3 days they had maxed them out. 
And they all want their money and I'm on a fixed income. And over XXXX in age and XXXX. they have stole everything .... 

The next card is XXXX XXXX XXXX card, they are getting a police report also and the scammer kept on .... 
These scammers steal the credit card information right off your phone off the receipts..The next big deal is they use gift cards, XXXX and XXXX XXXX, XXXX and up. they promise you the world, and all I've gotten is a bad credit score, from XXXX to XXXX ... and try and get a mortgage on that. Trust me you cant. 

The credit credit companies will get the police reports and names of the scammers which i all have. This started in XX/XX/2023 and XX/XX/2023 ... ... Thank You

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