vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the XXXX BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an SBA LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This was happened on Last Wednesday XX/XX/2022. PNC Bank has blocked/hold my wire account but main acocunt still shows available balance. Available balace shows XXXX since I went to branch try to get a cashier check. I was trying to fix the issue with my banker since last Friday after XXXX, and I called many times to customer services. No one knows what's going on untill teller told me yesterday, my receiving has a hold that to hold my whole account. 

All the transactions is familiar accounts from my familiar customers. Account has been hold/freeze without ANY NOTICE!! I did nothing wrong about my business!!!!! 

The situation is, because hold/freeze my account/money that effective my business and operating noiw

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ) XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I applied for a loan on XX/XX/XXXX and was approved for a personal line for credit from Marcus by Golden Sachs. I applied online and the process was going smoothly until the final step in the process when I received a technical error message on the website. I will attach the image of the message. 

I called the customer service number provided and went through the troubleshooting steps. They asked me to use a different browser, to clear my cache and cookies, and download the app. I did all of these things and was advised that a ticket would be put in to try to help my situation. They told me that I was approved, and I had seen an alert from my credit report that the loan was being reported. I was told to wait and keep trying the website. 

After multiple attempts, I called the customer service line again and was told that my problem was being escalated but did not see any progress or change. On XX/XX/XXXX I called in and asked to speak with a supervisor because I did not see any changes and was losing trust in the company handling my loans. A few of the calls would not be escalated and I was just told to wait. I was frustrated with the lack of answers and that it would take so long to escalate. On XX/XX/XXXX I was finally able to speak with a supervisor. There were still not any solutions - I asked for the paperwork to be emailed to me or what the process was if there were issues like I was having. I was told the only way to get the paperwork to me was by mail. I requested that I get the papers fedex to me but all of these request I was told no. I was told that the technical support could take 7-10 days. I was worried of there being not resolution so I asked for the paperwork to be mailed to me. She assured me it would be. 

On XX/XX/XXXX I received a letter in the mail and thought it was the paperwork but it was only a letter saying they needed my bank information to finish the loan. I called and tried to get the information to them but I will still be having the technical issue every time I logged in. The supervisor told me that from looking at the notes they were not able to send out the paperwork yet. This was not acceptable to me, nor was it communicated. I think it would have been important to let me know that there were still issues with the paperwork and getting my the loan. There seemed to be no urgency or direct communication with me about the status. 

I do not feel like I can trust XXXX but I feel stuck. I am worried about canceling the loan and having that impact on my credit. I am concerned about being declined by another company. I do not think it is right for a bank to hold a customer like this to their loan with no solutions on how to get the paperwork signed. It has impacted my credit and I need to build trust again with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
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. 

Account name : XXXX 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 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 2022-12-01 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: 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. 

Account name : XXXX 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 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 2022-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Donut, Inc.
State: TX

Complaint narrative:
I need to withdraw my principal funds- and funds are not available to me as promised. The max I can withdraw is XXXX per day and I should be able to withdraw at least that amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: MN

Complaint narrative:
I submitted complaints through the cfpb website on XX/XX/30 to have them investigate the following accounts Members XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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 XXXX also harassed my requiring me to send a paystub and drivers license picture because the stated my information I reported on my cfpb complaint was inaccurate which was false and documented on the cfpb website I also attached the letter I received from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I I took advantage of an XXXX promotion and made a credit card transfer on my Discover card : DISCOVER IT CARD ENDING IN XXXX CARDMEMBER SINCE XXXX and setup automatic payment. 
I never used the credit card since the transfer, to my surprise, statements show : XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX {$59.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$59.00} XXXX XXXX and monthly fees for using the credit card. 

I tried contacting XXXX over the phone without success, then chat online with an agent that couldn't find where and when I made these transactions. He finally advised me to dispute the charges with Discover card, what I did. 

Then Discover sent me an email stating that : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

Case Number : XXXX Merchant Name : XXXX XXXX XXXX Dispute Amount : {$59.00} We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. 

I do not agree on the charges that I did not made and that can't be verified by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: KS

Complaint narrative:
I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts 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 U.S.C 1681. 

Account name : XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without 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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. 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.

I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: SC

Complaint narrative:
I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX XXXX XXXX XXXXXXXX account is showing 30, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX XXXX field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My social security replacement card was sent to a XXXX XXXX XXXX XXXX XXXX but was never received. I had trouble filing my income tax return in XXXX  and my return was never received which may have been related to an identity fraud issue. My credit score seems to be unfairly low. I don't have a significant history of credit use. More recently I am getting suspicious SMS alerts from banks that I do not have an account open with to my knowledge. My mail was tampered with, a envelope sent from my mother was steamed open and a hand written note was stolen from the envelope. It's possible that I am being unfairly treated by employers who do a credit check because of fraudulent activity associated with my record, or social security number. To my knowledge, there is no reason why I should have bad credit. My credit should be ok. I might have to sue the credit borough to investigate if there are any false reports submitted. A false report about my conduct was submitted to the property manager of the apartment, causing the management to threaten eviction. It was a flat out lie. It's possible the social security administration was investigating me for fraud because at one point I was trying to work while still receiving benefits. If that's the case I feel like the person in charge of my SSD hearing may have violated my privacy illegally by allowing too many people to know my identity, location and that I was receiving benefits in XXXX XXXX of XXXX XXXX.

Company response to consumer: Closed with explanation