vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-12-09 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-12-09 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am attending school part-time, greater than 6 credits a semester and have been in school as an adult learner for several years trying to earn my degrees. When payments went active, my in-school status was not correctly applied to my loan and I was thrown into a payment status. The clearinghouse information was sent through the school and I filed paperwork that verified my student status after already having to make payments to keep from defaulting. I recieved a reply that I did not qualify even though I should based on my school status. I was placed on a temporary deferment after filing multiple complaints with multiple agencies and I am now being put back into payment status. I am still in school and I am registered for 8 credit hours next semester. Aidvantage has been horrible in their responses and I am just getting run around. My complaint with the Department of Education has gone unanswered for months. I will be in school for several years due to only being able to maintain a part-time staus while I work full-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-12-09 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: IL

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX, AS REQUESTED.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
I was surprised when I saw a copy of my credit report, I've been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Fraudelent transactions on debit card Purchases made from XXXX XXXX XXXX XXXX XXXX XXXX I have filed 7 reports 3 with TD bank disputing the charges 1 police report outlining the charges 1 with the FTC consumer fraud department 1 with XXXX fraud department 1 with TD bank senior customer complaints office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC
State: PR

Complaint narrative:
I was surprised when I saw a copy of my credit report, I've been a victim of identity theft.

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 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
They closed my account in XXXX XXXX  and ever since I been requesting my money and they give me the runaround or ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WV

Complaint narrative:
I am the victim of Credit/ID theft for the better part of the last 3 years. There are security freezes and fraud alerts at all credit agencies for going on a year now. XXXX XXXX XXXX after opening the account sent letters in reference to an alias name and TIN identification combination not being correct and enclosed a substitute W-9 form to fill out for Check systems. The letter also included an ultimatum that if I did not supply the information within 30 days my accounts and all accounts using the alias would be assessed 24 % back up withholding taxes. I live on a survivor pension. It is my only source of income. Plus, XXXX XXXX. XXXX sent letters similar to US Bank about my name and number. The IRS and the SSD have had my legal valid name since XXXX. I could not understand where the alias came from. US Bank issued several products with the alias. The debit card was manipulated to deduct XXXX $ hidden fees causing an overdraft. Credit card payments being paid from the posting balance and not payment date into a hold causing overdrafts. Wrong name on checks costing XXXX $ no refund. Checks never used. Ordered new debit which arrived with the alias. I filed a complaint with the BBB asking them to advise this bank at XXXX XXXX XXXX to cease communications and close the account after I attempted several times to cure a XXXX negative balance caused by US Bank just to end the situation and move on. I sent a check on XX/XX/XXXX it remained uncashed and not credited to my account for XXXX weeks. A constant stream of bank negatives created by US Bank to severely abuse me as a direct deposit pension account. I continued to receive letters via USPS stating no communication is not going to stop the debt from being pursued and I will continue to receive statements with updated bad debt. information to be reported to prevent eligibility for banks products in the future at other banks. XXXX XXXX did the same thing. Created a fake debt. Refused to close the account which remained open and inactive for 2 years collecting fees and being reported constantly to credit bureaus with inaccurate information. XXXX created a duplicate account doubling all inaccurate fee charges and account transactions. Several attempts at phone interviews with bankers ' unsuccessful resolution or ignored completely. I have been battling banks with my sole source of income being used against me as a weapon and being domestically terrorized to the point of collapse. I want this US bank to leave me alone. I am ready with evidence to pursue in superior. 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 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Livingston Financial, LLC
State: KS

Complaint narrative:
Livingston financial LLC sent me a letter stating I owe over XXXX for some debt back in XXXX. Stated debt renewed in XXXX and again in XXXX. I've never been notified of this and have no idea what debt they're referring to. It's been XXXX  years and built a lot of interest without any notifications. I need paperwork proving the debt owed and if it is my debt I'd like to resolve it minus all the added interest because I was never notified all these years. Please remove from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has been on. My file for 7 years and 7 months its been paid and should no longer be on my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has been on. My file for 7 years and 7 months its been paid and should no longer be on my file

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 2023-12-09 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: WI

Complaint narrative:
I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my Equifax credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my XXXX  credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX Main po box XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX I went into Western Shamrock on XXXX XXXX in XXXX, MO to pay off my loan early. I had called the day before to pay it over the phone and they said there would be a XXXX fee to pay OVER the phone. I said I would be in the store to pay in person then to not pay that high of a fee. When I went in and paid, I checked my bank account afterwards and there was a {$24.00} fee. I called the store because no one told me if I paid with a debit card, it was still a fee. I called and XXXX claimed she didnt know what the fee was for. Hmmm really? They XXXX their district manager would call back. Saturday now, no call. Deceptive practices and not divulging their fees, is wrong I would like my money back {$24.00} and to have this company audited. Their lack of knowledge is obvious and disturbing. Thank you for your time. You have my info should you need anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I never receive my card and the Barclays because refused to provide tracking. 

I requested card tracking number but the Barclays refuse to provide, they declared due to the " policy '' they can not provide the tracking number. I don not understand why they can not provide the tracking number for card owner. it has been a more than a month waiting my card and after i requested new card the Barclays still not provide the tracking number. That's the main reason i can not receive the card.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  has been on. My file for 7 years and 7 months its been paid and should no longer be on my file

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 2023-12-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: GA

Complaint narrative:
My employer UPS states they sent the direct deposit to be paid XX/XX/XXXX. However, US Bank is stating they do not hold funds & they can't see pending direct deposits. On XX/XX/XXXX I called & was hung up on the XXXX time for being nice around XXXX. The XXXX time they ( XXXX XXXX stated they couldn't open a missing load ( missing deposit ) inquiry until XXXX XXXX. I called back at XXXX & someone else opened the inquiry. She ( XXXX ) said that it XXXX post by end of business XXXX CT. However, before human # XXXX hung up on me she said by close of business it XXXX post, but she couldn't tell me what time XXXX is for US Bank. As of right now, I have no direct deposit of {$770.00}. I regret trying out the US Bank payroll card. Also, it was states that US Bank will research my inquiry which takes one business day. I was advised to call back on Monday XX/XX/XXXX. I don't know why I'm shocked that the government allows US Bank to steal money as if it's not an issue.

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