vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX year XXXX  and XXXX XXXXXXXX  account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it 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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX year XXXX  and XXXXXXXX XXXX account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it states, a consumer reporting agency CAN NOT FURNISH, an account without MY written instructions!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX year XXXX   and XXXXXXXX XXXX account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it 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 explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting 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: OH

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.

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 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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is reporting inaccurate & fraudulent accounts on my credit report. I am being denied credit and housing, I have sent in disputes but have not received any response back.

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 2023-10-15 00:00:00
Product: Credit reporting 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 rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-10-15 00:00:00
Product: Credit reporting 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:
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.

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 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 2023-10-15 00:00:00
Product: Credit reporting 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: NJ

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.

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 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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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.

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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting 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: IN

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.

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 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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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.

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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TN

Complaint narrative:
I received a letter from united collections Bureau incorporated XXXX XXXX XXXX. XXXX OH XXXX. Telephone number XXXX. 
They list the debt of {$7600.00}. This is with XXXX XXXX XXXX XXXX  account ending XXXX. I have no knowledge of this debt and XXXX has no knowledge of this. This notice is dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting 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: NJ

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.

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 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 2023-10-15 00:00:00
Product: Credit reporting 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:
Transunion is reporting incorrectly a late payment on 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 2023-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC
State: KY

Complaint narrative:
Hello, I purchased a car from American credit Acceptance. When I purchased the vehicle, it was right in the middle of Covid. I was advised by XXXX XXXXXXXX it was 11 percent interest rate a month. I have been paying on the car for over 2 years, and paid about {$15000.00}. I noticed that only {$2000.00} went to principal and the rest to interest. I called the company and they advised me that the loan is for 56 % a month!!! I advised them I never agreed to that and they refused to help in any way. With such a high interest rate I called them and told them I would like to surrender the car. They told me it was fine, however they did not do a self surrender, they repossessed the car, and told me I had to pay all the fees. My husband is XXXX, he is XXXX. With only myself working, I would have never agreed on 56 int rate. I do not know what to do. I just need someone to help me. I worked so hard for this {$15000.00}, and it all went to garbage, and the car is gone. Please help me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On or about XX/XX/XXXX I met with a Chase bank officer, XXXX XXXX, in their branch at XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX to open a new checking account. The account was to be joint in both my name and my wife with me signing on her behalf as attorney-in-fact. I brought along the POA which XXXX XXXX scanned into their system and said had to be reviewed by their appropriate department before proceeding, therefore I must return to complete the account opening. After maybe 2 weeks of not hearing from XXXX XXXX I called her office and she said they would not allow me to open a joint account with my wife as her attorney-in-fact. I asked for further detail as to what paragraph of the CT statutes this decision was based on and some days later I learned from her that the applicable department would not respond to her with any additional information. 
The decision of JPMorgan Chase Bank to refuse to honor the authority conferred via our POA is in violation of Connecticut statutes, which states financial institutions are specifically mandated to accept a POA, and it cost us a {$600.00} bonus that was offered by Chase at the time for account opening with a specified balance. There is no exclusion in the Connecticut statutes for a representative to enter into joint agreements with the grantor under the representatives authority nor does it specify additional wording is required in the power of attorney document to cover such a situation. 
In this process Chase also violated Connecticut statutes specified in SB190 effective XX/XX/XXXXXXXX  that states : a financial institution must accept a POA when it is presented for acceptance, regardless of whether or not the institution asks for a certification, translation, or attorney opinion. Under the bill, a financial institution may still ask for additional documents, but it can not refuse a POA or delay its acceptance without such documents. 
The difficulties with financial institutions with regard to POAs has long been recognized and has prompted revisions to state of Connecticut general statutes such as 1-350R/S back on XX/XX/XXXXXXXX  : Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons ''. Firm enforcement with severe penalties need to be levied in order to stop the abuse of people with representatives assisting them. Your assistance is requested in bringing enforcement actions against JPMorgan Chase Bank for so blatantly disregarding laws with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
The Company is Oportun Visa Credit Card Address : XXXX XXXX XXXX XXXX XXXX  TX XXXX /On XX/XX/XXXX at XXXX I spoke with a Oportun Representative, I requested that the account be closed and that since it hasn't been 30 calender day that the annual fee be waived since I will no longer be using the card, I requested that they both, ,email and mail me a Debt/ Payoff letter that details and state the correct status of the account, that it is closed with a zero balance, due to the annual fee being waived, that representative said that, that wouldn't be a problem, she stated that the account is being closed, a request for the annual fee to be waived will be submited, she stated XXXX minutes later that the request for the fee to be waived had been approved, she stated that I would receive a Debt/Payoff Letter that will include information and details that show the account is closed with a zero balance and that the letter will show the annual fee has been waived and I XXXX XXXX XXXX am not responsible for the annual fee, unfortunately on XXXX XXXX, I received a letter that only stated the account is closed and that their is a remaining balance, which their shouldn't be, I was no longer using the card and that the representative promised I wouldn't have to pay the annual fee because I'm no longer using the service, it appears that Oportun Visa Credit Card has already violated FTC Section 809, by refusing to provide me with the correct requested documents or document that states I'm not obligated to pay the annual fee, what companies like Oportun Visa tend to do is deliberately avoid providing information that exempts the consumer from paying fees that are no longer valid after the account has been closed, then they commit that act of inaccurate credit reporting by reporting false information on the consumers credit report, violation of FTC Section 807 ( False and Misleading Representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had my bank account that had been in use for 4 years, they infiltrated my bank account, I made a report that there was something very strange in the account and anyway they decided to close my account and I can no longer open an account in another bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: VA

Complaint narrative:
Square deactivated my account the same day I recieved a deposit for XXXX. They are refusing to release the funds or send it back to the originating bank. They keep saying go to the app and refund it. Which I can't because they held all funds as if it was never deposited but I have proof from their app and the originating account bank statement.

Company response to consumer: Closed with explanation