vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX tried to login to my TransUnion account and couldn't after 2 attemps-I tried to reset the forgot password attempt which I got locked out of and account suspended email was sent with the instructions to call Customer Service which I did. The 1st call took 40 '' to get help from customer service to unlock and reset my Transunion account with THEIR password. An hour later I tried to login TransUnion again USING the password and I tried to CHANGE the password that Transition gave me to a password of MY OWN and was locked out AGAIN with the site saying that Transition couldn't change my password at that particular time. I went to the online chat to see if I could login to complete my password change and 45 '' later AGAIN I still couldn't get in under the direction of someone named XXXX ( Transition Chat help desk ) about XXXX XXXX. I got about 5-6 email password re-sets to no avail and with NO results.

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 2023-03-14 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 2023-03-14 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: GA

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. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 2023-03-14 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: PA

Complaint narrative:
I received a copy of my credit report and found unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
On XX/XX/2023 at approximately XXXX I spoke with a representative from XXXX  and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act XXXX, Transunion, XXXX, XXXX and XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA

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 2023-03-14 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: GA

Complaint narrative:
On XX/XX/2023 at approximately XXXX I spoke with a representative from XXXX  and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act XXXX, XXXX, Equifax, XXXX and XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I used Wells Fargo credit card to pay for dumpster service. It appeared that dumpster company it is some scam company that overcharged me for the weight of the dumpster. I filed dispute with Wells Fargo, Illinois Attorney General and XXXX about this scam. Wells Fargo denied the dispute stating ( over the phone ) that I signed a contract and that is it. I signed a contract for additional dumpster weight. First of all I requested numerous times to send me final dispute status in writing to my email, they never sent it. Secondly I tried to explain that the fact that customers signs a contract for additional weight, it does not mean that merchant can charge whatever they feel like it, without any supporting documentation. Merchant submitted " proof '' of weight of the dumpster with different name of the company, without my name on it anywhere. It can be anyone 's receipt. My credit card does not find this information important. They are just quick to take your money, but no support when there is a problem with the merchant.

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 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
started with XXXX trying to collect a {$55.00} debt that was already paid, XXXX was actually overpaid XXXX which was reimbursed via mastercard on XX/XX/23. this issue has resolved with XXXX. 
Now Sunrise Credit Service has submitted my account to collections which impacted my credit score. I have attempted to call and resolve this issue where I was told my account has a {$0.00} balance. She went on to say it was {$110.00} then said XXXX from XXXX and there's been a payment for {$5.00} and XXXX, however, I have not made any payments to this company. Her math is not adding up ; remind you I have a XXXX credit from XXXX for this account. When I asked her to remove this from collections she referred me to XXXX although Sunrise Credit is who made the collections claim. I then asked since the balance is {$0.00} and I have not made any payments since XXXX and XXXX refunded me XXXX for overpayment if she could politely remove me from collections. I offered her 10 days to remove this falsified balance or I would submit to CFPB she became really angry stating how unfair I was being and raising her voice, very unprofessional. Please help me and prevent this occurrence for other customers.

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 2023-03-14 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:
This letter is a formal complaint that you have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, you have failed to do co. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over 30 days ago and you have not yet responded : XXXX XXXX XXXX XXXX IN ( XXXX XXXX ) BALANCE {$15000.00} EQUIFAX CREDITOR : XXXX XXXX XXXX IN ( XXXX XXXX ) BALANCE {$13000.00} This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile. 

Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information I* hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Multiple payments processed, cleared, and verified by both sending and receiving financial institutions but PAYPAL MASTERCARD VIA SYNCHRONY BANK is penalizing me by holding the payments for a predefined length of time solely based on being a new customer. This is regardless of the fact that they have received and fully verified the funds, yet paypal supervisor XXXX refused to lift the hold because their policies allow them to hold my payment. 

Currently I have a credit limit of $ XXXX, with a balance of {$290.00} after my {$700.00} payment on XXXX and {$150.00} on XXXX, but paypal is refusing to clear my available spending limit beyond {$7.00} despite my payments.

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 2023-03-14 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A 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 1681c ( a ) ( 5 ) -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 information relating to a consumer to any consumer reporting agency if the person knowns 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 2023-03-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A 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 1681c ( a ) ( 5 ) -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 information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AL

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 : 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 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 2023-03-14 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: AL

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 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 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 2023-03-14 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TN

Complaint narrative:
XXXX sent me a letter last month saying they are collecting a debt for MaxLend. I asked for proof of the debt and they sent me documents which indicated I allegedly borrowed {$1600.00} and made application on XX/XX/2022. The loan maturity date was XX/XX/2022. The APR is 635 % with a first payment of {$250.00} and remaining payments of {$400.00} every two weeks. The documents had my correct social security number and address. However, the bank routing number and bank account number where the funds were sent are not mine. The documents indicate I applied electronically for the loan and I gave consent for all communication to be electronic. I have never received a phone call, email or text from MaxLend. I never signed electronically for a loan with MaxLend. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act I.C. Systems, INC 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 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 No wet signature account with account claimant original debt was charged off

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