vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is not allowing access to my credit report and using authentication as an excuse which is false. I answered all the questions they asked me. I even tried alternative authentication by sending my id and my photo and they still denied me access with no explanation. The agent XXXX Id # XXXX was the information he gave me. I asked him to speak with someone about the issue and he repeatedly told me there is no one else to talk to. To my knowledge there is always a chain of command and not only was I denied rights to my credit report but also denied rights to a resolution by allowing me to speak with a higher chain of command.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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. 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 2023-08-04 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. 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 2023-08-04 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-04 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: CA

Complaint narrative:
n 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Source : XXXX Company : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Business Type : XXXX Balance : {$18000.00} Source : Equifax Company : XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Balance : {$18000.00} However, they stated everything was complete and accurate. But how is that possible if 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 isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I completed all the required steps to receive a promotional credit of {$400.00} but PNC won't credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
not removing collections as well as unauthorized inquiries on 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 2023-08-04 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: WA

Complaint narrative:
I have disputed to Equifax 2 times online, and 1 time in the mail to Equifax XXXX XXXX about the collection which is not mine, but they verified it belongs to me. I am still living with my family and they paid everything for me with their own account so I did not have any reason to open another XXXX account. I am still studying at university and have no job because I am a full-time XXXX, and I hope later I graduate in XXXX I will have a good job and buy my own house so this collection did stress me because it's not mine. No one helped me to remove it from my credit report when it's 100 %, not mine. I wasted my money to send a letter to Equifax XXXX XXXX XXXX they did not care and did not remove out. I want to have justice for my credit report. 

Original Creditor : XXXX XXXX ( XXXX ) Account : XXXX XXXX XXXX Date opened : XX/XX/XXXX. 
Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
I receive a mail package on home equality loan application from discover home loan with the loan amount of {$80000.00}. On my credit report alert from XXXX  app, I receive credit report inquiries on XX/XX/23 from discover home loan and XX/XX/23 from the XXXX  XXXX XXXX. None of these were my actions! 

I have called all credit bureaus to report the fraudulent inquires and asked to freeze the credit. I called XXXX and they did not see any application under my names for both credit card or loans. I called discover bank. They took an action by reporting to the fraudulent dept, and inactivate the application, and I will need to wait for their fraud department to take 2 business day to reply to me to take further actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My XXXX XXXX XXXX XXXX loan opened on XXXX is missing and is not being reported on my Experian credit report, however, is being corrected reported on my XXXX, XXXX reports. This is negatively affecting my character and finances. 

I have contacted XXXX XXXX and Experian multiple times to try to correct this issue. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed that they are accurately reporting the account to all consumer reporting agencies, including Experian ( see attached letter ). 

As of XXXX XXXX XXXX XXXX XXXX last reported Experian on XX/XX/2023, showing account as current and open. XXXX XXXX XXXX XXXX  have previously sent a reinsertion request to Experian on XXXX, and Experian reportedly, stated the account is " purged from their system and is no longer eligible to report. '' Past responses Experian stated they wanted from please provide your specific disputes, full name, including middle initial ( and generation such as XXXX, XXXX, XXXX, XXXX ), current and previous addresses for the past two years, full Social Security number and date of birth. I have mailed in numerous letters to Experian with all the required information, and I have yet to see a change. 

My XXXX XXXX XXXX XXXX  account is still currently open, and I would like to know why Experian purged this from their system and is no longer eligible to 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Dear [ ExperianXXXX XXXX ] Customer Service , I am writing to formally request the correction of inaccurate personal information that is currently present on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, and I am seeking your assistance in rectifying the discrepancies promptly.

My personal information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Date of Birth :XX/XX/XXXX Last 4 of Social : 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 2023-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Hello, Mazda sold me a lemon car. And only compensated XXXX XXXX But ever since they keep retaliating against me by keep sending me letters saying if you ever be late again, we will repossess the car without any notice. I just made a payment even though Ive been out of work because of back injury but mazda still trying to repossess the car and keep sending me letters saying we will repossess. Ive already paid the half pf the loan but they still keep trying to take the car away, which the car is defective but who will compensate all of my payments that Ive made until now? I submitted a complaint to Colorado regulatory agency but they said they dont have the jurisdiction. Who can help me? 

Mazda car that they sold me as new was a lemon and they refused to take any responsibility but only compensated XXXX $ for this defect and ever since they keep retaliating against me for it and even though I am making my payments, they still keep sending me letters every month, threatening me that they will repossess the car if I ever be late with my payments in the next 12 months. 

In addition, they double charged me in XXXX by adding over XXXX $ To my balance, when my payments are supposed to be XXXX $ a month, plus, my loan contract says 62 months, but someone made manual changes to it and now it shows 63 months, when this car is supposed to be at 0 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: SC

Complaint narrative:
I would like XXXX XXXX TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: SC

Complaint narrative:
I would like XXXX XXXX TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.

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 2023-08-05 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: IL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : 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 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 2023-08-05 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: IL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
my tenant ' XXXX app wasnot working and he had to send me money through cash app on XX/XX/XXXX. 
cash app system doesn't allow me to link my bank acct after many correct tries inorder to transfer it for free in XXXX  days. but they do allow bank atm card which in this case you can only choose instant transfer for {$22.00} fee. 
i tried to ask for help with no result, they are blaming my bank, but i do this often with XXXX with no problem at all. 
i need to get my money back and i dont want to pay any fee according to their own rule. i dont know what else to do. 
please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My problem with Bank of America. 
They keep charging me over draft. And I see alot of charging from my account for no reasonable authorization from my side. And I was trying to contact with the customer service for this Bank but it was so hard and I stressed out

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