vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-30 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-30 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: TX

Complaint narrative:
XXXX, Equifax and XXXX are all reporting transaction history on my consumer file. 15 USC 6801 and also there are numerous of inquiries that I didn't authorize on my consumer file. I want them all deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
XXXX, XXXX and Experian are all reporting transaction history on my consumer file. 15 USC 6801 and also there are numerous of inquiries that I didn't authorize on my consumer file. I want them all deleted.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VI

Complaint narrative:
I opened a Venmo account several years ago. I have never used it. I attempted to add an account 2 days ago and it would not let me. I then emailed me that I need to give them more I.D . information. I did not want to do that so I told them to close the account. They REFUSED to closed my account unless I sent a copy of my U.S. Passport and a separate picture of me holding that passport. I do not want them to have my passport data, included XXXX, XXXX XXXX, place of birth, XXXX 
They refused to close the account without this information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MI

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 XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-30 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: MI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-08-30 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2024-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is a complaint against Credit Collection Services ( CCS ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, for wrongly harassing me over a fraudulent debt claimed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX claims I owe {$94.00} because " Medicare has denied payment for your services '' for a test allegedly requested by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I called Medicare to learn why Medicare denied payment. Medicare said the payment was denied because the lab test " was not medically necessary ''. In other words, this doctor is incompetent. 

First, I never met XXXX XXXX, and XXXX XXXX has never been my doctor. XXXX XXXX operates under a fictitious name " XXXX XXXX XXXX XXXX '' which is owned by XXXX XXXX XXXX, a XXXX  XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Apparently XXXX has a dispute with XXXX XXXX, or his incompetent associate XXXX XXXX XXXX XXXX XXXX, who ordered a lab test that was " was not medically necessary ''. Second, I am not a doctor. I did not make a request for a medical test. If I did, that might be considered medical malpractice, because I am not trained in ordering medical tests. I wrote and called XXXX and XXXX XXXX about this debt and got no response. 

The unprofessional practices of XXXX and incompetent XXXX XXXX undermine the healthcare system in the United States. XXXX and its bill collectors including CCS have repeatedly called and harassed me for payment even though they know XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX, is responsible for the Medicare denial of payment because XXXX XXXX and his confederates ordered a lab test that was " was not medically necessary ''. 

On XX/XX/year> XXXX XXXX of CCS called me on my phone at XXXXXXXX XXXX from XXXX demanding payment from me for the debt alleged by XXXX. Enclosed is one of several debt collection letters addressed to me from CCS, this one is dated XX/XX/year> and demands {$94.00}. I have disputed this debt with CCS but they keep calling me and harassing me.

CCS should be fined, and criminally prosecuted if possible, for harassing me for this debt, which is reported to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions bank received my endorsed settlement check from XXXX  XXXX XXXX on XX/XX/year> in the amt of {$76000.00} and took XXXX months to disperse the XXXX draw to me of {$40000.00} I was told the remainder would come after inspection. That has been completed and received by Regions and now the say they have to approve the release of funds at the upper mgt level. 
I am tired of fighting this and I need help! They have passed me around to XXXX different people at some call center for customer service with no way to speak with supervisors or mgt. 
I feel they have invested these funds and will profit from my funds and I need my money now! I have done everything asked of me in timely fashion and all I get back is delay and circle talk! At present they owe me about {$7500.00} and my attorney about {$17000.00}. I dont intend to wait another 2 months to receive money that doesnt belong to them while they profit from it. PLEASE HELP ME!!!!!

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 2024-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Back in XXXXXXXX XXXX XXXX my car payment of {$1200.00} was taken out of my account for bmw finance. Then days later it was returned back to my account. I called bmw finance to ask why was the amount sent back to my account and the representative stated that they dont show it being put back and that the note for that month was paid. Found out almost a year later that the note for that month was never paid and I had been charged late fees every month for a year. I never received a call, email, physical mail of any sort saying I was late. I paid my note regularly every month not having a clue I was getting charged late fees. Finally was able to get that revolved XXXX of last year. Now I have 17 late payments showing on my credit from this lack of communication. While the whole time I paid my car note on time, not being aware of the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I used an XXXX XXXX card since XXXX. There was almost XXXX to {$15000.00} a month passed through this credit card for business and personal use. 

In XXXX My identity was stolen, and credit cards were used for the purpose of a previous employee who used it for running up bills in my business name as well as personally. this person was arrested for his actions as well as other crimes. I filed a police report at that time. All my creditors including XXXX XXXX, XXXX XXXX  XXXX all recognized and canceled any debt that was written on those credit cards. However, XXXX XXXX would not. 

I fought this for over a XXXX year period. Over that time I continued to make payments on the card even though I felt it was unnecessary but I didn't want my credit hurt. I sent all paperwork necessary to XXXX XXXX to prove my innocence and they kept telling me they didn't receive it. My next step was to take it to small claims court as well as they took it to collections court. We settled on an amount and I paid the difference. even though I felt that I didn't need to It was the best that I could do. 

I have a XXXX credit bureau with everyone except Experian on this card as I made the necessary actions to clean the history with all credit bureaus and XXXX XXXX. For some reason they do not recognize and have not adjusted a charge off from XXXX XXXX. So they asked me to submit this 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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
PenFed FCU did not honor the {$250.00} promotional checking bonus even though I met all the requirements. 

On XX/XX/year>, I contacted PenFed FCU regarding the eligibility of the checking bonus offer, and XXXX created case # XXXX for it. ( attached the email message ). 

On XX/XX/year>, PenFed agent XXXX XXXX replied to my case and confirmed I would qualify for the {$250.00} bonus after meeting the requirements ( below ). ( also attached the message ) " Thank you for contacting PenFed. 
Yes, you will qualify for the {$250.00} bonus. As long as you open the account by XX/XX/year> and have two direct deposits put in the account before XXXX. 
Please feel free to reply to this email if you have additional questions. 
Sincerely, XXXX XXXX. 
PenFed Credit Union '' In XX/XX/year>, I opened the checking account. 

In XXXX and XX/XX/year>, payrolls were direct deposited to the checking account on XX/XX/year>, XX/XX/year> and XX/XX/year> respectively, which would meet the promotion requirements. ( attached the statement ) In some date in XX/XX/year> which date has already passed the bonus posting date in PenFed promotion term and condition, I still did not receive the {$250.00} bonus. I contacted PenFed through online chatting. The agent XXXX XXXX said below ( attached the screenshot ) : " I am showing that you did meet the terms of the offer. I have sent an inquiry to our marketing team to get a status of the credit for you. I can follow up with you via email once I receive a response. It can typically take 3 business davs for them to respond. '' On XX/XX/year>, XXXX agent XXXX XXXX sent me message with another explanation of the offer and denied my request for {$250.00} bonus ( Case # XXXX ). XXXX argued the checking account bonus and savings account bonus were bundled one that I had to meet both requirements. However, from reading terms and conditions of the bonus offer and confirmation from PenFed agent XXXX XXXX on XX/XX/year>, the offer is not necessary to be bundle one. 

I attached all screenshots, statements and messages for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief