vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: SC

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 Accounts : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX  XXXX-unavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Banks and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records

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 2022-04-19 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: SC

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 Accounts : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXXunavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records

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 2022-04-19 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:
I Leased a XXXX XXXX from XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was offered to buy a new XXXX and Dealer will pay 1/2 of over millage and Lease contract. I was to pay Deposit of new vehicle and 1/2 of millage due. So we did and attached is End of Lease document with Voucher and receipt for payments. On XX/XX/XXXX I was contacted to pay half of the millage which was already paid by Dealer and Myself in halves. I sent documents and no more calls were received. On XX/XX/XXXX the same happen and no more calls until XX/XX/XXXX. XXXX XXXX XXXX called me and indicated in a very harsh manner about outstanding debt, I proceeded to indicate documents were sent indicating this was paid before. That evening I received an email with a letter I had 10 days to pay the Outstanding of {$470.00}. I called them back on XX/XX/XXXX for discussion. The advise of the agent was to pay the amount and then dispute. Since I was within the 10 days indicated in the letter I paid and requested the go by process for dispute. Attached you will find letter of final attempt and Payment confirmation as of XX/XX/XXXX. XXXX XXXX proceeded to report to Credit Report Companies that bill went to collection even after I paid in full within the term of the letter. This have cause an over 100 points fall in my credit scores and a non-qualification for loans I had applied for my home improvements. First, I am overpaying as per my part of the millage was paid on XX/XX/XXXX as per receipt. Second, I paid the unfair debt within the 10 days in their letter and they still reported a negative information to my credit Score Agencies.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Upon learning about my identity tdelete this thread yesterday they I sent emails to to the companies that I have accounts with such as PayPal In an attempt to help fix my damaged reputation and limit it, However today XXXX today I received appointment back print XXXX from PayPal upon learning about my issue I issue they banned me permanently from their systems for what they call or refer to as increased risk and suspicious activity Causing my identity to be further they're damaged and my reputation further damaged it is now my customers will ask XXXX will ask what has caused PayPal to ban him?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion On record has been informed to remove this credit collections services account and still has not removed it. When this issue was resolved in the agreement of paid was to be removed from my credit. This information is inaccurate on report and must be removed please.

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 2022-04-19 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: VA

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 XXXXXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) DPT EDXXXX Account # : XXXX ( Shows on my credit report multiple times with inaccurate information ) US DEPT ED Account # : XXXX ( shows on credit report multiple times with inaccurate information ) XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX DPT ED/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 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 2022-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please all the attached documents This is a follow up to the complaint XXXX With experian, they did NOT follow up with me they closed and opened a dispute in minutes ( I have proof ) they also violated many rights and lied please review all documents

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 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyunday stilll contact me because I am late on payment since cov19 I been try to pay them. This morning I spoke with a person that say my payment are return in specific for the month of XXXX, I just verify me statement for XXXX and its was done for the amount of XXXX on XXXX I request a skip month because my work change as a promise I summit to Partial payments on XX/XX/2022, even if I dont have to pay that month in agreement with the extension l. Last payment its was effect for the amount of XXXX for XXXX and XXXX. Next payment on XXXX. They still say that I am late. This the reason my complaint they dont even provide a email to show them the payment for 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 2022-04-19 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: CA

Complaint narrative:
On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my credit score which I am rebuilding.

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 2022-04-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

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 2022-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
Sent a letter of validation XX/XX/2022. By certified mail demamnding validation for the alleged debt. They have ignored the letter telling them they have 30 days to validate the debt and have sent continued notices for collection of alleged debt.. ihavealsocontacted whom the debt is from allegedly and they said I owe XXXX and the debt is not valid. 

I will add certified mail receipt if needed.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19 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 do not know this company XXXX XXXX nor ever did business with this company. Equifax list 6 accounts ... XXXX, XXXX, XXXX, XXXX, XXXX, XXXX on my credit report. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, they are in VIOLATION of my HIPAA rights. This is a clear FCRA violation. Since 2020 I asked for Equifax to provide their method of verification who Equifax contacted to verify these accounts, what the payments are for, HIPPA documents with my original signature, collections license number court documents that allows XXXX XXXX to continue to pursue this debt in Florida, was this account purchased or are they collecting on the original account holders behalf and has not received anything. XXXX and XXXX both have deleted these accounts already. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.

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 2022-04-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
FAILURE TO PRODUCE ANY VIABLE EVIDENCE REQUESTED IN SUPPORT OF THE ACCURACY OF ALL NEGATIVE ITEMS LISTED ON MY REPORT IN THE APPROPRIATE TIMEFRAME FOR OVER 9 MONTHS, INCLUDING COMPLAINTS SENT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU, AND STILL FAILING TO SHOW ANY TYPE OF PROOF WITH RESPECT TO THE CREDIT REPORTING ACT OR GIVE ANY RESPONSE TO MY CLAIMS, REQUESTS, OR COMPLAINTS- INCLUDING FAILURE TO SUPPLY ANY TYPE OF CREDIT REPORT - INCLUDING LEGAL ACTIONS ALREADY TAKEN - AND FAILURE TO ADHERE TO THE REQUIREMENTS, CLAIMS, AND REGULATIONS REQUIRED BECAUSE OF THE EFFECTS OF COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
In accordance with Fair Credit Report Act XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19 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:
I submitted a dispute to Experian about a late payment from my XXXX account on my consumer report that according to the laws should not be reporting being that it was not properly investigated by Experian and proven to be 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 2022-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have been a customer of Wells Fargo since 1996 ( takeover from XXXX XXXX and then XXXX ). The service has been miserable since WF took over and I had to fight them for months ( until I won ) on 2 past occasions. One was related to withholding taxes, which they had initially refused to return after I filed my XXXX, which by the way they had lost in the takeover from XXXX. The other was giving me the promised interest rate after maturity. They refused to honor the promised rate and gave me less, until I wrote several emails and fought them for months and finally got the promised interest rate. 

Most disturbing is, recently I found out ( by chance ) that I have been asked to close my account. I am an international customer and was also not informed. The reason given is that I do not have a US residential address. This is absolute discrimination, especially after banking with them for over 25 years! This is very unfair and unethical. To make matters worse, I have two interest bearing deposits and will lose my interest if the accounts are closed early. I have tried in vain to make WF understand my predicament and my pleas have fallen on deaf ears. I am desperate now as I do not have another US account to transfer the money and I am stuck. In addition, for years now, WF has not been able to reflect accurate address and contact details. They told me a range of lies and most recently admitted that their system does NOT accommodate international address or contacts. What kind of bank is this? They lied to me for years. I have all the emails between the bank and the complaints dept and I can share all of this with you. What can I do now and how can you help me? 

I am uploading three emails I wrote to the Wells Fargo Complaints Case Specialists.The emails will provide an indication of the issues I am facing.

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