vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXX  '', the accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX 2x inquiries ) XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX  - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 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 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 2023-03-26 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: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXX  '', the accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) XXXX Veterans XXXX XXXX XXXX XXXX, MO XXXX XXXX 2x inquiries ) Equifax Mortgage Services XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXXXXXX - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX inquiry ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 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 2023-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My information was stolen. Someone got my social security information through this credit card and was using it to file for unemployment in my name and open a bank account with Wells fargo

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 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Made a payment in mistake of {$1000.00} to American Express Credit Card ( XXXX ) taking care by XXXX on XX/XX/2022 from my XXXX XXXX  online account. That card was already closed. 

I put this issue to XXXX XXXX  at least 3 times and they said transaction is completed and money paid to American express. They are not giving me complete info. 

I contacted to American Express and they had no knowledge of that money, either by card number nor social security number. Remind it I have an active American Express card and I paid its bill of same amount of XXXX on XXXX XXXX in separete transaction. 

I also contacted with XXXX XXXX  many times and they also had no knowledge as well. 

End result I paid an amount to expired or closed account from XXXX online account and have no trail of money. I should get my money {$1000.00} back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TN

Complaint narrative:
I am filing a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act and 15 USC 1681. The following account on my credit report was furnished without my permission : XXXX XXXX This is a violation of my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681 section 602 A. The Fair Credit Reporting Act, specifically 15 USC 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, except for records of convictions of crimes that are more than seven years old. As such, the account listed above should be deleted immediately. 

I also found multiple billing errors on my credit report, which violates the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I demand to see proof from the creditor bank account that I was marked late due to non-payment, as I was not notified 21 days before with a statement. As a consumer, I have the right to have these errors corrected on my credit report, and the items below should be updated accordingly. 

( *LATE PAYMENTS? ) If these accounts are not updated immediately, I will pursue monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. I have already filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Lastly, I did not authorize the following companies to access my credit report, and I suspect that these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX, XXXX. CA. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that there was a permissible purpose. Please remove these inquiries 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 non-monetary relief
Consumer complaint received 2023-03-26 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: TN

Complaint narrative:
I am filing a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act and 15 USC 1681. The following account on my credit report was furnished without my permission : XXXX XXXX This is a violation of my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681 section 602 A. The Fair Credit Reporting Act, specifically 15 USC 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, except for records of convictions of crimes that are more than seven years old. As such, the account listed above should be deleted immediately. 

I also found multiple billing errors on my credit report, which violates the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I demand to see proof from the creditor bank account that I was marked late due to non-payment, as I was not notified 21 days before with a statement. As a consumer, I have the right to have these errors corrected on my credit report, and the items below should be updated accordingly. 

( *LATE PAYMENTS? ) If these accounts are not updated immediately, I will pursue monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. I have already filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Lastly, I did not authorize the following companies to access my credit report, and I suspect that these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX, XXXX. CA. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that there was a permissible purpose. Please remove these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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:
This mortgage account needs to be included with the previous accounts needing attention.

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 2023-03-26 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: LEXISNEXIS
State: GA

Complaint narrative:
This mortgage account needs to be included with the previous accounts needing attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
This complaint is in regards to Discover Bank. I have lost/misplaced my Discover card ending ( XXXX XXXX XXXX ) in XX/XX/XXXX. There were several unauthorized charges between XX/XX/XXXX thru XX/XX/XXXX. I was out of state for holidays when all this happened. I called and reported the fraud as soon as I got to know. Discover denied my claim and this is so unfair for me to keep paying for something that I did not authorize neither did I received the services or Goods that Discover is asking me to pay. The total amount is around {$3200.00}. 

I want CFPB to please take corrective action. Discover needs to provide valid proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 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: NC

Complaint narrative:
I have previously disputed these claims in which they were removed from my credit report. 
Complaint XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 These accounts are back on my credit file and the credit reporting companies are refusing to delete them back off. They are misusing my credit and ruining my credit reputation. In accordance with the fair credit reporting act have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX I opened a CapitalOne 360 checking account with a balance transfer from XXXX XXXX in the amount of {$250.00}. The CapitalOne data presently confirms a Current Balance of {$250.00} which shows on my XXXX XXXX acct as a debit POSTED on XX/XX/2023. As this bank to bank transfer is an electronic transfer on the books of the Federal Reserve, it is an IMMEDIATE transfer. Capital One is claiming a 3 day hold on an IMMEDIATE transfer which has ALREADY been transferred to the CapitalOne account. That scenario does NOT warrant a 3 day hold on funds already in the possession of CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days Was not notified of investigation status or results Their investigation did not fix an error on your report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: NY

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: FL

Complaint narrative:
Please see inquiries below I don't recognize and I will also include a FTC report attach. 

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

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 2023-03-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-03-26 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: AL

Complaint narrative:
I have contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this information.

Company response to consumer: Closed with explanation