vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: NC

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

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

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 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 2023-02-15 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: NC

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

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

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 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 2023-02-15 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: IL

Complaint narrative:
VIOLATION TO CONSUMER FCRA AND METRO 2 COMPLIANCE # XXXXXXXX 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 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 2023-02-15 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: NY

Complaint narrative:
I never gave this company consent, your company is violating my federally protected consumer rights. This means this company is breaking the law! Pursuant to 15 u.s.c 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After carefully examining my consumer report, I noticed that my consumer report is inaccurate. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties

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 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  XXXX purchased XXXX bank in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the XXXX hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX  purchased, the 30-day XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX  directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during XXXX. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of 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 2023-02-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NC

Complaint narrative:
XXXXXXXX XXXX  purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of 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 2023-02-15 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: Resolve Partners, LLC
State: OH

Complaint narrative:
Inaccurate accounts and information is being furnished on my consumer report. Account status, alleged amounts, payment history and other incorrect reporting information. I informed them in writing to remove the inaccurate information immediately, but they are still furnishing the same inaccurate information. Please help assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am having Ally checking account since XXXX. I had used XXXX, XXXX XXXX and XXXX to transfer the money out of Ally bank account. On XXXX XX/XX/XXXX, I initiated {$5000.00} via XXXX. XXXX is instant money transfer from my ally checking account to my XXXX XXXX XXXX XXXXXXXX XXXX Texas ) Checking account. Chatted with Ally but I was told that it might take around 3-4 business days for this money to be transferred. 
When I initiate transfer via XXXX from XXXX XXXX XXXX XXXX XXXX Texas ) Checking account to Ally bank account-it 's done within a day. 
I have no idea why XXXX will take 3-4 business days when initiated from Ally bank account to external bank account. In the past, it will take few minutes for XXXX transfer from ally bank to external bank account or other person ( having account outside of Ally bank ). Ally bank is just getting worse day by day.

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 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/2023 PayPal processed an unauthorized transaction XXXX. Don't have a PayPal account nor do I transact XXXX XXXX Called PayPal, representative said they would refund the money to my checking account. While I was on the phone with PayPal them having insisted they canceled the account I never had received another email, another unauthorized PayPal transaction {$750.00}. 
They insisted to take over my laptop made repeated mistakes. Have not been able to use my computer for XXXX hours so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
i sent equifax a letter in XXXX. its now XXXX and have not gotten a response. i need someone to read my letter. my credit is at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX JPMCB XXXX XXXX XXXX XXXX $ XXXX original debt I contacted the credit card company to try and settle the debt. I asked for a pay for deletion settlement agreement and was told that it was against the law for them to do that. 
First, reporting to credit bureaus is voluntary. Nobody is legally obligated to report your debt to credit bureaus. Second, the Fair Credit Reporting Act ( FCRA ) only requires that if a creditor decides to report information about you to credit bureaus, it must report accurate and complete information. I am not asking the creditor to report to the credit bureaus that I paid as agreed '', However, the creditor can make a pay for deletion deal which calls for it to report nothing about my account to credit bureaus. 
I was told that they didn't know about the pay for deletion, they would have to check with some one higher up. told me how much i could pay today to settle it and the amount. I began to explain my situation and told them i just want to pay it in full and be done with the account. I was given a past due amount to pay. A application for hard ship was even started at one point. was told i would have to sign a settlement agreement and have a XXXX sent to me. i asked to be transferred or got transferred because we couldn't figure out that i just wanted to settle the debt, and have changes reflect to the credit report agency. i was transferred 8 times and the last representative stated that pay for deletion is illegal and it would be lying. he also stated that i needed to pay the full amount. I asked about the hardship application and he stated that i would have to pay the full amount. I asked to speak to some one else and i was told over and over that there was no one else and i could opt for a call back in 72 hrs. I stated that he needed to put it in writing that my application for hardship was denied, the total amount i needed to pay to settle the debt and that this was his decision and there was no one above him. He was the top. i asked a couple more times and he refused to put anything in writing or transfer me, He stated there was nobody to transfer me to. He was laughing at me because i am extremely stressed out, embraced that I'm even in this situation, and in good faith called and tried to settle it for the full amount ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.

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 2023-02-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-02-15 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: NY

Complaint narrative:
I never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I XXXX XXXX have never signed a HIPPA release form with XXXX XXXX or XXXX therefore these are clear HIPPA violations and I want these deleted immediately from my credit ; HIPPA laws protect my personal medical information from being used without my consent and you are now aware of the clear HIPPA violations please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: OK

Complaint narrative:
Experian is not performing in a manner that is fair and equitable toward me as a consumer. My dispute dates back to XXXX XXXX, 2022 and has been ignored and unresolved without the proper evidence being provided to me. It is now far beyond 60 days of investigation as evident by prior cfpb complaints and the date of the letter attached. Experian is not providing relevant nor accurate reporting on my Consumer file. They have assumed a vital role and are only serving to do me harm and a great injustice by not deleting the accounts I have requested to be deleted. I am demanding that the accounts I have listed be blocked and deleted immediately.

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 2023-02-15 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: Comerica
State: CA

Complaint narrative:
Money was taken out of my account at a time before XXXX from a person or merchant in the amount of XXXX, I recieved at the time XXXX or so a month to live on from SSI.and it obvios this guy new how to milk a card and my bank or the fruad department they sent me three different letters the first time all saying different things. The little information I could get from the bank did not in fact come from the fruad department as to this day not one of them has taken my phone calls Just on hold for hours and hang up. I have texted the so called merchant with no response as well. I want real legal action and people who are clearly incompetent should be fired the Bank is Direct Express a branch f of Comerica. It's wonderful to be ignored like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 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: TX

Complaint narrative:
I have 2 XXXX XXXX accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.

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 2023-02-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not authorize any of these inquiries XXXX XXXX XX/XX/XXXXXXXX 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 explanation