vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: NV

Complaint narrative:
Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXX XXXX after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone

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 2023-03-30 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 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 non-monetary relief
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scammed using my debit card on XXXX XXXX  they still have not returned my XXXX to my account spoke with a XXXX in complaints she stated theres nothing they can do if merchant doesnt return funds its not fair for a consumer to lose XXXX and nobody seems to care XXXX XXXX or 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 monetary relief
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is wrong information on my credit report in the company will not remove it. They told me that Ill have to call the people that did it & I dont know why because on their website it says to call credit Bereau . In nobody wants to help me in I sent in letters to them. In got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX account is reporting {$790.00} balance when the balance for two months has been {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NV

Complaint narrative:
Right now I am dealing with things being placed on my credit report that that are not accurate and they have my name and last name on there spelled incorrectly I need it taken off as well

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 2023-03-30 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: MI

Complaint narrative:
I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : XXXX XXXX XXXX XXXX XXXX : {$5900.00} Original creditor : XXXX XXXX XXXX XXXX Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent.

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 2023-03-30 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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the credit report as soon as possible. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit report account under an open end consumer credit card plan as late for any 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 explanation
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: DE

Complaint narrative:
In XXXX  when my son was XXXX I open him an account at PNC bank. I was told that i would be an authorized user until he was XXXX. Now that he is XXXX XXXX XXXX, I have no access to his account. If he receives mail his name is on the mail, not mine. apparently, his account was overdrawn and PNC withdrew {$480.00} from my account without notice. I was unaware that his account was overdrawn and was not notified that they would withdraw this money from my account. I called them to find out why and they said they did it because I was on his account and they could not refund me. I told them that this is a hardship for me and that if they could return the money, I will make payment arrangements. I have been with PNC for over 10 years and this has never happened to me. I told them that I am behind on my mortgage and that the money in my account was for that. I talked to XXXX different people and no one was willing to help. Please help me to get my money back to pay my bills if only temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: OK

Complaint narrative:
I was told by the company, Stellantis Financial Companies, after I had them finance the car after 8 months that they had a 10 day grace period and that would give me additional time after due date. what they did not tell me is that it would still be late for those 10 days and that they would charge a large enterest fee for those 10 days. If they had told me up front about this I would not have done buisness with them. I would not recomend them and when I get a chance I will get refinancing. I am filing this because I do not want other customers to go through this. 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
Consumer complaint received 2023-03-30 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: NV

Complaint narrative:
Right now I am dealing with things being placed on my credit report that that are not accurate and they have my name and last name on there spelled incorrectly I need it taken off as well

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/23 a person claiming to work for bank of america called and said there were fradulent charges being initiated on my account via XXXX. the money was taken from my BOA account. Bank of america failed to warn costumers of this scam, and it has been going on for months now XX/XX/23 XXXX XX/XX/23 XXXX was taken from my checking XX/XX/23 XXXX XXXX XXXX was taken from my savings

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A vehicle lease was opened fraudulently in my name, I contacted Equifax first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about equifax and contacted XXXX XXXX directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from XXXX XXXX stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted XXXX XXXX being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting and collections on account is fraudulent. And I did not give consent for my credit file to be improperly used.

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 2023-03-30 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: TX

Complaint narrative:
Credit reporting and collections on account is fraudulent. And I did not give consent for my credit file to be improperly used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian service has my income Incorrect on there website. 
They have {$55000.00} Year income. 
That's not correct, the correct amount should be changed to {$94000.00} yearly income. 
This wrong salary has caused my net income to show debit to ratio at 65 % usage. 
My credit score has drop by Over 40 points this unfair business Practices. 

I have sent disputes, talked to Experian agent multiply times Since XX/XX/2023/ with a copy of my credit report from a chase Issue. 
Please help me contact appropriate department to corrected matter over 6 years wrong on my records. Thanks 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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
the bank put and offer of balance transfer between XX/XX/XXXX and XX/XX/XXXX  I tuck the offer to make a balance transfer on XX/XX/XXXX of XXXX    in the terms of the offer and on the following month of XX/XX/XXXX  was charge interes for that month It only shud be XXXX of interes charge no XXXX per cent BMO Harris Bank also the bank never publish when the due date of the balance transfer end

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( Capital one ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation