vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Unauthorized credit inquiries on credit file. 
Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.

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 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Unauthorized credit inquiries on credit file. 
Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.

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 2023-05-15 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: CA

Complaint narrative:
My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of 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 2023-05-15 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: SC

Complaint narrative:
XXXX XXXX - XXXX FCRA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors Terms are listed as 1 month but that was not the agreement made XXXX XXXX XXXX XXXX FCRA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors Terns are listed as 1 month but no agreement was made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: MD

Complaint narrative:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX Balance : {$8.00}

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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I got two different letters in the mail saying my information was found in a data leak. I then got alerts on my credit report from XXXX  saying my information like social security number and driver 's license was found on the dark web. The same bank account I got the transfer from title max from was then stolen shortly after. I told them many times I needed help and they told me it was a XXXX percent and its way over XXXX percent. They offered me credit repair and that's it. They keep saying they don't have fax and to talk to corporate I filed a police report and tried talking to them about fixing my credit and they won't help with anything they keep saying I'm late when I haven't been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XX/XX/2023 - XXXX Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-15 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX XXXX XX/XX/2023 - XXXX Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
hi my name is XXXX XXXX, phone number XXXX, chime acct number XXXX on XX/XX/XXXX there were some unauthorized transactions made on my chime account at differents locations in california, at differerents times starting XXXX XXXX all the way at XXXX XXXX to differents gas station so called XXXX XXXX XXXX XXXX. 

whoever did it, used my bank card information. I ve called chime bank they did not solved the problem, i ve filed a disputed still they didnot help me at all. 
im a single dad i work for XXXX, the total amount of transactions made that day was XXXX, i have prove that i was not at those locations, i live in XXXX  XXXX california , those transactions were mad at XXXX XXXX california , unfortunately chime bank have not solved the problems, i can not afford to loose my money with this difficult times we living, i work so hard for my money this is my son money, again im a single dad and my son depend on me, please help me solve this problem, sincerly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SD

Complaint narrative:
Reference previous complaint XXXX where your company did an investigation and said to me it is ok to open a New online account. Well again I spent half the day trying to use my new online account only to be told I could not use it. I spoke with supervisors even sent them your letter saying to open a new account. Very rude and was told if I did not like it to make another complaint. Makes me wonder if you said to open a new online account so CFPB would close my complaint? 

STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2023 CFPB Case Number XXXX MoneyGram Number XXXX Dear XXXX XXXX XXXX MoneyGram has completed the review of your case submitted to the Consumer Financial Protection Bureaus online portal on XX/XX/2023. In the CFPBs Complaint Portal, you indicated that your online account had been closed and requested that it be re-opened. Please be advised that, in order to protect the safety of our customers and ensure compliance with all requirements, MoneyGram actively reviews online profiles and will, from time to time, put restrictions in place to safeguard consumers. We are sorry for any inconvenience that may have been caused due to this occurrence. After investigation, we would like to advise you to create a new online profile in order to continue sending transactions. Please contact us if you encounter any issues when sending using the new account. If you have any questions, you may contact us directly by e-mailing us at XXXX or calling us at XXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence. Sincerely, MoneyGram International Resolution Assurance Department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is related to the prior complaint from XXXX where Bank of America charged off my account in XXXX claiming they did not know where I was, when they were already collecting from me on an unrelated Bank of America Account which I eventually paid in full. 

They have now issued a 1099 to me for what they claim was the balance they wrote off in XXXX. The XXXX is for {$11000.00} for account XXXX. I had previously requested the original agreement which they could not produce and I am not liable for the full debt as stated on the tax document. 

The debt was discharged by Bank of America in XXXX. They harassed me calling before and after hours and when I complained they admitted their own wrongdoing. 

This is a continuation of Bank of America harassing borrower 's.

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 2023-05-15 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: PA

Complaint narrative:
After reveiwing my credit report I seen multiple inaccurate late payments that was never late.

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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX  but not XXXX or XXXX. 
I consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Bank of America regarding their decision to place a hold on my check deposit from the United States Treasury Department, which is in violation of federal and state laws. 

On XX/XX/2023, I deposited a check from the United States Treasury Department in the amount of {$15000.00}, which represents my federal tax return money. Under federal law, banks are required to make funds available for withdrawal by the next business day following the day of deposit, as set forth in 12 C.F.R. 229.10 ( c ) ( 1 ). Additionally, under state law, banks must make funds available in a timely manner and can not impose an unreasonable hold on deposited funds. 

Despite these legal requirements, Bank of America has chosen to place a hold on my deposit for a period of ten days, causing me significant financial hardship and placing me in a difficult financial situation. The funds in question are my tax refund, which Im entitled to receive promptly and without unnecessary delay. Moreover, the amount of the check is not an exceptional amount that would justify a hold, as confirmed by legal professionals. 

I have already contacted Bank of America regarding this matter, but they have refused to release the hold on my deposit. I demand that Bank of America immediately release the hold on my deposit and expedite the transfer of the funds into my account as required by law. 

I request that the Consumer Financial Protection Bureau take appropriate action to investigate Bank of America 's violation of federal and state laws. I also request that the Consumer Financial Protection Bureau direct Bank of America to release the hold on my deposit and expedite the transfer of the funds into my account as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I applied to rent an apartment at two ( 2 ) different apartment complexes on or around XXXX XX/XX/2023. Both apartment complexes rejected my application with similar form letters that their decision was based in-part on the information furnished to them by Experian. One of the apartment complexes was nice enough to highlight the information causing the issue. It turns out the issues are with the status of three ( 3 ) accounts that Experian has failed to correct over the past two ( 2 ) years. I have submitted multiple CFPB complaints to have the derogatory/unverifiable information removed. For each account I have provided between XXXX  ( XXXX ) and XXXX ( XXXX ) pages of documentation explaining the consumer violations, banking violations, and ADA violations XXXX I even supplied Experian with the copies of the complaints I filed with USDOJ against the data furnishers. Yet, Experian has responded to each complaint stating the information was " verified as accurate. '' This can not possibly be the case because had Experian reviewed any of the information regrading those complaints they would have found a statement from one ( 1 ) of the data furnishers explaining the account was not being reported correctly -- on the furnishers own letterhead. If one of the data furnishers is openly explaining the account status is not reporting correctly then how can the account information be verified as accurate? It would seem Experian is choosing not to review the documentation I supplied and simply doing an automatic update and/or verification using eOSCAR. The bottom line is Experian is supplying a tenant screening company with information it knows or should know is inaccurate/unverifiable which has caused me to lose multiple apartments as an individual that makes well into XXXX ( XXXX ) figures. Moreover, because the information Experian has supplied to the tenant screening agency is based in part on data from data furnishers that was generated as a result of race and disability discrimination, the data Experian is supplying is harming me as a member of one ( 1 ) or more protected classes, and is causing housing denials to arise as disparate impact that violates Fair Housing laws. This is not acceptable and if Experian does not remove the derogatory information outlined in the resolution section, I will pursue legal action to obtain relief.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA
State: AK

Complaint narrative:
Sometime in XXXXXXXX XXXX XXXX I reported a card account that had been opened that I did not open. They said they would take care of it. They never did. I called back almost monthly for XXXX months trying to get them to cancel or close the account and remove my information. I did a police report and an identity theft report with federal trade commission. This card wasnt even linked to my XXXX account but it was an XXXX credit card which made even less sense. They wrote it as a charge off implying it was my account. But I dont even have the card and they wont give additional information on shipping addresses to file a more proper report. They refuse to send any documents to me at my actual address. I have XXXX knowledge of this account other than it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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