vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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: NY

Complaint narrative:
XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 US DEPARTMENT OF ED ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act US DEPARTMENT OF ED 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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 : 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 2022-09-03 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: NY

Complaint narrative:
XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 XXXX XXXX  XXXX  XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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 : 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 2022-09-03 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
SUNTRUST DBA LIGHTSTREAM Did an inquiry on my credit report in XX/XX/2022. I do not have any open accounts with this business. And I did not authorize any inquiries. I am not doing business with 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 explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA does not have the option to establish auto-payments for loans. This is a burden on all of its members since each person has to manually set up all the payments in advance and often causes late payments since it is not easy to pay. This is especially concerning because USAA serves military members who deploy and do not have the capability to check their bank account to set up a payment. 

This has been an issue for at least a year in my experience and I have been told by USAA that has been ongoing for a longer amount of time. They seem to not be making it a priority which is why I am submitting a complaint. As a future deploying service-member, it is unacceptable that this may cause me to go delinquent in my payments due to their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about XXXX XXXX to complete that task but I have had to call Experian about XXXX times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different information.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Credit karma is always offering me credit cards ( unsecured ) as well as allowing hard inquiries on my report. Once these cards are close to being obtained I am automatically denied the card. Credit Karma always puts forth cards that they say are pre-approved for you when they never are! Which causes downgrade on my credit report. I am hoping to get this resolved so others don't have to go thru same and to be reimbursed for the same and false advertisement that credit karma has put on me and dug into my life 's XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: PA

Complaint narrative:
Transunion and XXXX are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXXXXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for XXXX to remove XXXXXXXX XXXX  and XXXX. I've made several phone calls to attempt to have this matter resolved, but XXXX is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.

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 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Received numerous phone calls from Portfolio Recovery Associates but never a voicemail with any information. Emailed company for verification and never heard back. Finally received written notification of supposed debt owed but stated that original debtor were two other companies before it was sold to PRA. No detailed information from previous companies, no dates of when account was opened, closed, payment record or credit limits, etc. Very vague. XXXX credit report shows collection from PRA but also does not have any detailed information to determine debt is legit. I do not recognize this account as being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I have an account with Credit Karma, who after logging into my account, showed me the credit cards that I would be approved for, based upon my credit score. When I applied for the cards, I was declined, and the hard inquiry hit lowered my credit score. 

This happened several times, over a long period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There as a fraudulent charge made on my card on XX/XX/XXXX of {$790.00}. Comenity bank refuses to answer the phones. I have waited on hold for over an hour even after being told to wait to speak to an agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03 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: KY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 : 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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 : 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 explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I was alerted by TransUnion, that my account information had changed, and my credit score went down by XXXX points. The reasoning for the reduction of XXXX points was not clear nor easy to find. A full three agency credit report had to be done, which cost additional money. When I reviewed the information regarding my XXXX XXXX, that is in good standing, was closed and labeled " removed. '' TransUnion is the only agency to have reported the XXXX  XXXX account in this manner. This erroneous report damaged and hampered my ability to close on a home loan. The account that was given a new account number, but never was closed. XXXX XXXX said they never requested for the account to be removed, nor do they remove credit lines in good standing. I followed up on the same day and was told by TransUnion to file a dispute, whether it is their fault or not. TransUnion 's agent further told me that my only option was to report to CFPB, because they only respond to their customer 's request. They do not investigate their errors. Because the account has a balance, this action will affect my ability to gain a home loan and will affect the interest rate that I had qualified for prior to this error. Furthermore, I have been paying for TransUnion 's monitoring service that states that the consumers ' of this product would be provided certain services, i.e. a rationale for changes in credit scores. This did not happen..

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 2022-09-03 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: FL

Complaint narrative:
I have reached out to equifax, XXXX, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

Equifax, XXXX and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please XXXX XXXX XXXX and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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:
I have reached out to XXXX, experian, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

XXXX, experian and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please see the attachment and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.

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 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good morning, Chase Bank is still posting items out of order in a way that maximizes the number of fees they can charge. They allow some things to go through when the account is negative at their discretion but not others. As a result, I do not have enough money to buy groceries or put gas in my car, because {$400.00} has gone to fees at Chase Bank. Its untenable and predatory.

Company response to consumer: Closed with monetary relief