vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is incorrect name spelling and other names listed. There is incorrect identification number with these names. There are incorrect addresses continuing to report. I have put multiple security freezes on my identity theft during Covid-19 and showing that accounts have been compromised by this. I have filed disputes and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told TransUnion to reinvestigate these hard inquiries on XX/XX/2023 : XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 and XXXX XXXX XXXXXX/XX/2023. However, they stated everything was complete and accurate. But TransUnion has not removed these unauthorized inquiries : According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding their refusal to credit the funds for six fraudulent transactions made on my XXXX account. The details of these transactions are as follows : * XX/XX/2023 : {$95.00} * XX/XX/2023 : {$56.00} * XX/XX/2023 : {$79.00} * XX/XX/2023 : {$51.00} * XX/XX/2023 : {$170.00} * XX/XX/2023 : {$18.00} To support my claim, I have attached a crucial piece of evidence : a screenshot of an email from XXXX, confirming the detection of unusual payment activity on my account. XXXX temporarily placed my account on hold on XX/XX/2023, as they were unable to verify the ownership of my payment method. 

I am seeking the prompt resolution of this matter and request the reimbursement of the funds for the aforementioned fraudulent transactions. 

I trust the Consumer Financial Protection Bureau to handle this complaint diligently, and I really appreciate your attention to this issue. 

Thank you very much for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
On XX/XX/2023 XXXX XXXX reported a unauthorized inquiry to my Transunion Report and I wanted to notify someone so that it could be corrected

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 2023-12-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I bought a {$260.00} gift card From American Express and when I went to make an online purchase it said the card issuer was declining my purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I filed a dispute with Experian On XX/XX/2023 Regarding a late payment on my credit report. The account was a credit card I have from XXXX XXXX XXXX XXXX. I Provided Bank statements showing 4 highlighted transactions stating payments made to XXXX XXXX Which is the account code for my credit card. Given the proof provided. Experian Refuses to change the late payment to a positive payment and it is negatively affecting my credit 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from Experian, XXXX, XXXX etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.

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 2023-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank Of American  account ending in XXXX reference id : XXXX request IRP # : XXXX XXXX On XX/XX/2023, I received a {$70.00} compensation cheque because I could not access the cash that I should have, causing financial loss. They refuse to provide me with the additional pay I have sought. There might be something they're concealing, I think more research should be done. 

my contact number is 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 monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OR

Complaint narrative:
I had tried multiple times to set up autopay through my Discover account yet was never notified it didn't go through despite a window popping up thanking me for setting up autopay 3 separate times. I was charged late fees each if these times. When I contacted their customer service about it I paid my balance of {$440.00} and told them to close my account when the payment went through. That was beginning of XXXX. I received multiple confirmations of my payment and never once was contacted about the payment not going through. I was locked out of the app as the associate then closed my account. Today I go back onto the app just to verify the account was officially closed and now I am now seeing that I owe {$480.00}, the account was never closed and now I am being charged fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Report Number # XXXX XX/XX/2023 : XXXX  collection account added in Experian report, XXXX XXXX dipped by XXXX points XX/XX/2023 : Raised dispute to Experian XX/XX/2023 : Got response from Experian without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against XXXX XXXX impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The original creditor for this account is a medical provider, TXXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home XXXX XXXX rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor TBH and collection company XXXX XXXX XXXX XXXX XXXX ) regarding accounts being transferred or sent for collection. Dispute was raised through Experian, have Experian verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can Experian have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from Experian against dispute filed against this account, what all aspect Experian have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to Experian and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why Experian dont have additional safety for customer to first investigate and not to let such account impact XXXX XXXX. 
Clarity on XXXX XXXX : How XXXX XXXX is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on XXXX XXXX while XXXX other accounts are 100 % in good standing?

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 2023-12-03 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Please remove these inquiries.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXXDEPT OF ED Account number XXXX MOHELA/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX/DEPT OF ED Account number XXXX XXXX/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Tally Technologies
State: VA

Complaint narrative:
I included this line of credit in a XXXX XXXX bankruptcy in the state of Virginia. I filed in XXXX of XXXX and received my discharge in XXXX of XXXX. This account was verified included and Tally would not update my credit report in a timely manner. I emailed Tally approximately 9 times before I received a timely response to update their information on my XXXX report. Tally finally updated my report to reflect the account as discharged through the bankruptcy and still to this day sends me constant payment due date reminders and past due amounts for this account via mobile push notifications. I can not close the mobile account with a balance due. This is against FCRA requirements as this is considered contacting me in attempts to collect a debt thats been effectively discharged through a XXXX XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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:
I am a Natural Person and In accordance with the Fair Credit Reporting Act, The Accounts listed below have Violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Bankruptcy XXXX  XXXX # XXXX XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX # XXXX {$1300.00} XX/XX/XXXX, has violated my rights below XXXX XXXX  # XXXX {$1100.00} XX/XX/XXXX, has violated my rights below XXXX  XXXX XXXX XXXX # XXXX {$39000.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00}, has violated my rights below XXXX XXXX {$1600.00} XX/XX/XXXX, has violated my rights below XXXX XXXX XXXX  XXXX {$570.00} XX/XX/XXXX, has violated my rights below 15 U.S.C 1681 section 602 A states I have a right to privacy.

I have been denied resources needed to sustain my livelihood and publicly humiliated as well as over inflated interest rates due to reporting by these Consumer reporting agencies.

15 U.S.C 1681 section 604 A section 2 ; also states a consumer reporting agency can not furnish a account without my written instruction.

I never gave any person or consumer reporting agency written nor verbal instruction to report or furnish anything!

15 U.S.C 1681c ( a ) ( 5 ) ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.

All information on these reports are reporting such.

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) 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.

15 U.S.C 1681 ( b ) ( i ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; These accounts have been disputed and false responses were in reporting agencies responses and are inaccurate and are causing great harm to me and my family.

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 2023-12-03 00:00:00
Product: Credit reporting 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:
Please remove these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I noticed a few months ago there was an inquiry to my credit by Covington Credit. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
i was apart of an XXXX data breach settlement and accounts were opened and i would like these accounts removed. 

3 accounts were opened under my name XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$6500.00} I have reached out to the company but this issue has not been resolved

Company response to consumer: Closed with explanation