vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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: FL

Complaint narrative:
TransUnion is in violation of 15 U.S.C. Section 1681 ( I ) of the FCRA. XXXX XX/XX/12 XXXX TransUnion failed to comply with my request to provide proof of their investigation. ( Description of Investigation ) The FCRA XXXX XXXX  clearly states that a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) not later than 15 days after receiving a request from the consumer for that description, TransUnion has repeatedly failed to do so. TransUnion has failed to provide proof of their investigation, and ignore proof that the following account contains errors. XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My son was contacted by email from Wells Fargo bank stating that an account was opened in my name and asking for my social security number to verify, which he stupidly gave him.

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 2022-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-09 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
After major accident the vehicle I was financing I chose to have it voluntarily repossessed. Kia Finance sold the car and charged off the remaining balance on my account. Now Im have a {$17000.00} balance.

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 2022-10-09 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
As of XX/XX/2022 ally auto closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the XXXX XXXX XXXX XXXX  file number XXXX but she has yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: MD

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: MD

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-09 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: LA

Complaint narrative:
Equifax/Equifax credit bureau/Equifax information services Llc XXXX Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OLD NATIONAL BANCORP
State: NH

Complaint narrative:
Original loan was through XXXX XXXXXXXX XXXX in XX/XX/XXXX. Old National Bank bought them and started servicing this loan in XX/XX/XXXX. My XX/XX/XXXX payment was made via auto-pay at XXXX XXXX website as was all previous payments. The payment came out of my bank on XX/XX/XXXX, was credited by XXXX XXXX Bank on XX/XX/XXXX, but was mysteriously " reversed '' on XX/XX/XXXX. An error code of " XXXX '' is associated with this reversal, but XXXX XXXX has no explanation as to what that means. This reversal resulted in late fees and continual letters from the XXXX XXXX Collections Dept. However, NO funds were returned to my bank account. 
This " reversal '' is obviously a computer error on XXXX XXXX 's side since my bank balance the day payment was taken was just shy of $ XXXX AND no funds were credited back to my bank. Since then, late fees have been included... 
I called the bank twice before receiving the first late notice on XX/XX/XXXX. After that, I have called the collections department AND the Client Care Dept several times. I have been told repeatedly that XXXX XXXX has no idea what happened or why it happened, but demand that I " catch-up '' on my payments. 
I have corresponded via email that included four months of my bank statements ( proving no funds were returned to me ) AND trace numbers of the payments provided by my own bank. 
No answers yet.

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 2022-10-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2022-10-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-09 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: MA

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. 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 2022-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
9 months ago I received an email about this company changing their terms of service advising customers that are impacted would me contacted. I sent out a request through their contact form ( there is no way to reach a live person ) to get more info I received no response. 

5 months ago I lost access to my account no warning, no way to make payments no info. The request was closed with no response. 

4 months ago I submitted another request a month later someone responded advising they were not able to accept my identification so they were closing my account. My drivers license issued by the state of Texas was provided I dont understand what they meant by that. Also I was 6 months into the loan why is this happening now. 

2 months ago I reached out again advising automatic payments stopped going into my account and I was unable to make payments on their app. The same standard response was given I was not able to be identified and that I should make a payment on my account with no direction on how since the app was not allowing me to. I was reported to the credit bureaus with late payment. 

25 days ago I submitted a complaint advising the app would not allow me to make the 2 months past due payments they caused instead it is forcing me to pay the entire balance. I have received no response and again they reported me to credit bureaus with 2 months late payments. 

There is no way to communicate with this company directly and it takes almost a a month for them to respond if they respond. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I got a XXXX XXXX XXXX XXXX XXXX I put XXXX dollars on it.. the bi weekly payment is XXXX. The interest on this car comes to XXXXXXXX XXXX as well. Bridgecrest is where the loan comes from. XXXX and Bridgecrest have the same XXXX XXXX XXXX XXXX.After doing some research I found that their practices are illegal. So I sent a few items dated XX/XX/XXXX XXXX affidavit of truth. Stating that I know that thier practices of car loans is illegal. Because they know people won't be able to pay them off with such high interest 2. A cease and desist letter stating that they must give me back my down payment and the money I put on the car or I will sue them after XXXX XXXX. 
3. I sent receipts is payments made plus the {$3500.00} first payments The total payments are {$11000.00} I notarized them as well. 
They sent a letter basically saying that I have to pay the car or give it back. 
I'm trying to see if I have a leg to stand on under consumer law .... 
Can I apply any of these laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XX/XX/2022 XXXX XXXX XXXX an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX but she has yet to respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2022 XXXX XXXX  closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department XXXX XXXX XXXX but she has yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: FL

Complaint narrative:
As of XX/XX/2022 XXXX XXXX closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX  but she has yet to respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My daughter, XXXX XXXX XXXX called PayPal to close her account on XX/XX/2022 on XXXX and we were told that there was a pending case that was preventing the close of her account. However, this same case, was disputed by XXXX XXXX and my daughter has already been refunded. However, Paypal refuse to close this case, although they sent me a letter stating that they can't dispute this transaction because it is being disputedwas disputed by another entity, XXXX card. My daughter attempted to close this case in Paypal to be able to close her PayPal account but was prevented from closing the case online, thus she requested the Paypal representative to close the case. The paypal representative stated she could not close the case and said she was going to forward our call to another representative that would close the case. However, Paypal hung up the call and never forwarded the call. I got the impression that Paypal simply does not want to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The original creditor filed a 1099, how are they able to collect from multiple sources.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation