vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: VA

Complaint narrative:
after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX cox 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 2023-03-04 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: VA

Complaint narrative:
after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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:
Good Day, I reached out to the Experian Consumer reporting agency about several inquiries on my consumer report that where unauthorized and they choose not to respond to my request to investigate. It's clear that they don't care and why there are class actions against them at this moment. Consumer laws were put in place and policies that Third-Party Reporting Agencies are to follow and grant the consumer certain rights and this is one company that I personally have always had a problem with when it comes to correcting inaccurate information that has been reported on my consumer profile I did not give any of these companies listed written permission to furnish, report, or sell my personal information to any third-party reporting agencies this would be an act of identity theft, Aggravated identity theft pursuant 18 USC 1028A and knowing this they violated consumer law and continue to do so bluntly with no regards for law. I sent my disputes off on XXXX and XX/XX/XXXX about these unlawful inquiries... 

XXXX XXXX XXXX, I never even heard of them furthermore I have never given them written permission to pull or share my private or personal information to any third-party consumer reporting agency, that's identity theft XXXX XXXX XXXX, I never gave this company written permission to pull or share my private information to any third-party reporting agency thats identity theft XXXX : XX/XX/XXXX, I never heard of this company nor have I given them written permission to pull or share my personal information with any of the third-party consumer agencies thats identity theft EXPERIAN XXXX XXXX : XX/XX/XXXX, I never gave this company written permission to pull or furnish anything to my consumer report or furnish any personal information to any third-party consumer agencies thats identity theft I would like my consumer report updated and these unlawful inaccurate reported information Deleted from my consumer profile

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 2023-03-04 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
The offender is Hyundai Motor Finance for a lease I held between XX/XX/XXXX to XX/XX/XXXX. 
They incorrectly reported several late payments up to 120 days which caused me to be denied a new lease. This information was provided to me by the Hyundai dealer! All of the payments were made on time and my messages to HMF were ignored or deflected to deal directly with the credit bureaus! This fraudulent reporting has caused an immediate family loss of {$3600.00}.

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 explanation
Consumer complaint received 2023-03-04 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: ME

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.

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 2023-03-04 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: ME

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXXXXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Bureau information regarding my score is incorrect and not updated. I have submitted complaints and wrote letters regarding old accounts and addresses that should not be on my credit report due to the statue of limitation. Instead of correcting this, the organizing or perhaps the credit bureau have just put a more recent date to validated negative credit to stay on my account, but still should not lower my credit score by much, although it does. Moreover, will my payments on credit loans/cards are not updated thereby leaving my credit score low and credit usage high. Moreover, when I requested addresses to be removed I am refused adamantly and does not clearly give me any solutions to have it removed. I then search why and addresses associated with loans that are closed or banks that I no longer have access to to change or close to take an address off or the accounts are closed. I do not understand why this information remains on my credit report. Mainly, with an account that has surpassed the Statue of Limitation continues to remain on my report to keep my credit negative? I am asking this to be investigated. I did write in 2021 to CFPB for help and still the Credit Bureaus ignores and seemingly emphasis to keep my reports and will not update or remove negative information to increase my score. I have tried and am being accountable as best I can to do better and will do. However, if the Bureaus are allowed to ignore the law and keep individuals from having their credit better to do better. I asking for help, please. Also, after I have lifted my freeze from the XXXX as with the others I am finding out the freeze is not lifted, but will not give a reason why, just that if anyone wants to check my credit they have to call? Why will that happen, do I have the right to lift the freeze? And why are they requiring the potential loan providers to call when I lifted the freeze.

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I have an account w Barclays through Jet Blue ( XXXX ). I have tried to contact Barclays numerous times to close the account. Every time I call the main number I and inform them I want to close my account the call is transferred and then I am put on hold for a long time, and then the call drops. In effect, the bank has set up a system that precludes consumers like me to close a credit card account. This should not be allowed. 
In the meantime, the bank continues to contact me about the annual fee of {$99.00}. But once I cancel the account I will not owe the fee.

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 monetary relief
Consumer complaint received 2023-03-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Improper use of your report 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: ERC
State: CA

Complaint narrative:
Improper use of your report 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 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 Inquiry date : XX/XX/2022 XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 2023-03-04 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: FL

Complaint narrative:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 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 Inquiry date : XXXX XXXX XXXX  XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 2023-03-04 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I am writing in regard to the AMEX/CITIBANK , N. A XXXX  XXXX. This item was disputed using CFPB. The complaint was sent on XX/XX/22. XXXX completed its investigation, including contacting the furnisher of the information. On XX/XX/22, XXXX responded and deleted the account from the credit report, but only XXXX deleted the account. The other credit bureaus didn't. 

This is a violation of FCRA 623. FCRA places the burden on the furnisher of the information to update any reporting so as to maintain its current accuracy. FCRA 623 ( a ) ( 2 ). Additionally, FCRA 623 ( b ) ( 1 ) ( D ) requires that if an investigation of a dispute, the furnisher finds any information to be inaccurate and thus in need of correction or deletion, they must provide those results to all other consumer reporting agencies to which they have also reported the disputed information, and not just to the CRA handling the dispute.

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 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Kikoff Inc.
State: NY

Complaint narrative:
Hello, I made a {$800.00} ACH withdrawal from my KIKOFF checking account to mXXXX XXXX XXXX XXXX  checking account on XXXX It stated initially that the transfer would take up to 5 business days. On XX/XX/, I receive an email from KIKOFF stating they have been having issues and delays with ACH transfer requests. I immediately emailed customer support to receive an update on this issue.On XX/XX/, I call customer support, who informs me that the transfer has been canceled. I ask where my funds are and I do no receive an answer. I am told I would receive an email in 1 business day. On XXXX, I do not receive an email as told, so I call again. They again state the transfer was cancelled and that they will follow up with email. I asked numerous times to be transferred to a supervisor and the customer rep says there is no supervisor. On XXXX, I receive an email stating Thank you for getting back to me. Upon review, I can see that the {$800.00} is available now on your secured card. We are terribly sorry that this event occurred and are diligently working with our partner processor to understand the root cause. In the meantime, we are prioritizing processing the delayed ACH transfers. However, the money is still not in my account. I call customer service who again says that the transfer was canceled. After asking numerous times again to be transferred, I am transferred to an automatic message that states there is no supervisor available and the phone call ends. I call again, this time finally transferred to a supervisor who does not know anything about the situation, and says that the email I received is false. They still have no idea where my money is, and after asking them to credit my account while they investigate, they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email offer from Ally Bank saying that if I opened an eligible account by XXXX funded the account by XX/XX/XXXX and kept the funds in the account through XX/XX/XXXX I would receive a 1 % cash bonus up to {$500.00} on XXXX. I followed the prompts at the bottom of the email and opened a money market account XX/XX/XXXX and funded it with {$50000.00} on XXXX. I also deposited another {$15000.00} on XXXX On XXXX XXXX I called and asked where is my {$500.00} bonus. I was assigned a case number XXXX and told I would have a response in 7-10 business days. I called after 7 business days and again after 10 business days and each time I was not given a response. The second time I asked to speak to a supervisor. After a lengthy wait on hold I got to speak to a person named XXXX. He told me that they would not give the {$500.00} bonus because I did not enter a promotion code. When I clicked on " Get Started '' at the bottom of the offer, I simply followed the prompts and opened the account. No promotion code was requested or mentioned at all when I opened or funded the account. I believe that this is a very deceptive practice on the part of Ally Bank in order to avoid paying the bonus. I was told by XXXX that other people are in the same situation as I am regarding this bonus. I have saved the email offer and I can forward it to you at your request. I do not know how to do it on this platform.

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 monetary relief
Consumer complaint received 2023-03-04 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: NY

Complaint narrative:
The offender is XXXX XXXX XXXX for a lease I held between XX/XX/XXXX to XX/XX/XXXX. 
They incorrectly reported several late payments up to 120 days which caused me to be denied a new lease. This information was provided to me by the XXXX dealer! All of the payments were made on time and my messages to XXXX were ignored or deflected to deal directly with the credit bureaus! This fraudulent reporting has caused an immediate family loss of {$3600.00}.

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 explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have been permanently banned from using Venmo/PayPal for what they say is a violation of their User Agreement. I have spoken to them on the phone and communicated through email asking that they explain which activity of their User Agreement that I violated. This is the only response they will provide : please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity. Between the two services I have made roughly 8 transactions all to either family members or coworkers. What is the point of having a User Agreement if they refuse to tell the customer what they did wrong.

Company response to consumer: Closed with explanation