vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 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 explanation
Consumer complaint received 2023-05-12 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had eight ( 8 ) late payments on an account that I was never late for. Consumer Reporting Agencies 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 the account : XXXX : Enter Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand 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 2023-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
I found out that I was receiving a very low rate on my XXXX XXXXXXXX XXXX Market account as opposed to other XXXX XXXX XXXX Market account holders, and the rate disclosed by Northwest Bank 's website. I have been receiving a rate of .46 % while Northwest Banks published rate sheet discloses the rate I should have been receiving as 2.25 % as of XX/XX/XXXX. That rate sheet is still the rate sheet in effect and on Northwest Bank 's website today. Nowhere on their rate sheet, or website do I find the interest rate that I have been receiving. 
After much effort I was able to get the bank to change my rate to 2.25 % as of XX/XX/XXXX. That does not make me whole. I initiated a complaint with Northwest Bank to receive the accrued interest to which I believe I am entitled and today received their response. NO. So apparently, Northwest Bank customers with the exact same account ( XXXX XXXX XXXX  Market ), with the exact same name ( XXXX XXXX XXXX Market ) in the exact same region, with the exact same requirements to maintain the account can be treated differently when it comes to the interest they pay on the account. Even though I can find no current published rate sheet reflecting the .46 % interest rate.

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 2023-05-12 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
You have have reported transactions on my credit profile between myself XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, according to the FCRA to 15 USC 1681a ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3, the term consumer report does include reports contain information solely as to transaction. My transaction history between I and the creditors are EXCLUDED from the consumer report. Delete all these alleged late payments, ALL items marked late as demanded. My federally protected consumer rights are being violated. I am being harmed financially, emotionally and physically due to these unfair and defamatory remarks. On several occasions I have demanded that the credit reporting agency uphold 15 USC 1681 that my privacy be respected the financial institutions have all failed to provide disclosure 15 USC 6802 Gramm Leech Bliley act, that would allow me to opt out of reporting transactions. we are in an arbitration and there is a charge off from XXXX on my credit profile. I demand that it be taken off. This is my final notice before filing a law suit for injury. I have not been able to find stable housing due to your defamation of charter on my credit profile and I have filed with the FTC aggravated identity theft. As you are acting as the one whom knows more than me what is and what is not valid on my credit report. Although I have disputed According to 15 U.S.C. 1692 ( e ) ( 1 ) is a subsection of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. Specifically, this subsection provides that a debt collector may not : " ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) The false representation of -- ( i ) the character, amount, or legal status of any debt; or ( ii ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 at XXXX, I went to the XXXX XXXX XXXX XXXX XXXX NY XXXX Citibank branch to make a withdrawal of {$580.00} from my Savings account. Before I could collect my money from the machine, the automated door closed and took the money back. Since I needed the money that day, I withdrew another {$580.00} at XXXX, called Citibank customer support, filed for an investigation to make sure that my money was properly returned to my account, and then went about my day. On XX/XX/XXXX, I was issued a provisional credit and was assured multiple times by customer support agents that the matter would be swiftly resolved. I will note that this happened on a Sunday, the main floor of the bank was closed, so I couldn't go in and immediately talk to a bank employee. I am also not typically in that area during the week because I work in downtown XXXX. 

Last week, I received a letter in the mail stating the provisional credit of {$580.00} would be removed from my account on XX/XX/XXXX, with the investigation concluding that there was " no cash discrepancy ''. I asked for a second, new investigation to be opened and proceed to visit the XXXX Citibank branch on XX/XX/XXXX to speak with the staff and find out what the details of the investigation were or if it even took place. 

I sat down with the XXXX branch manager for a few minutes to discuss and he was not only deeply rude and unhelpful, but did not give me any details of the investigation and only told me that " considering the results of the investigation, there was nothing [ he ] could do '' and then remarked, " it's a tough situation, buddy. '' So, upon leaving that day, I had no details about whether or not the ATMs had been checked, if they checked the security footage from the branch location or the ATM itself or if the branch had even heard about the inquiry. It left me with no resolution and still, I was missing {$580.00}. 

When I asked if there was any way to appeal the decision of the case or any other way to pursue a result, he recommended I file a complaint to Citi customer service and then wrapped up our conversation, effectively rushing me out of the building. 

I went home, called Citi customer service, and filed an official complaint against the XXXX Citibank branch, asking for the branch to be held accountable in this situation and for the second investigation to continue. I also filed for an appeal on the original investigation, something that the branch manager didn't bother to inform me of and to be made aware of whether or not the CCTV footage from the branch location or the ATM itself was actually utilized in the investigation. At the end of this, I'm still missing {$580.00} of my own money.

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 2023-05-12 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Account XXXX XXXX A letter was sent to us from Wells Fargo stating that they have not received a payment since XX/XX/2014. Of course I was concerned because for the last six months, five payments were taken out of our account. I called Wells Fargo to tell them that something was wrong on XXXX and that's when they told me my account was in default and was in the process of foreclosure. It was at that time that I asked for a reinstatement quote.The next day XXXX, I went to my Credit union and we discovered that the automatic bill pay was going to a different account. The account number XXXX. We found that our mortgage was going to the wrong address with the wrong account number on it. During this time an unauthorised escrow account appeared on our statement, mind you we never signed or authorized an escrow account. This mistake was not recognized for six months. Also we have a copy of the credit union withdrawals. Please responding a timely manner.

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 2023-05-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX {$90.00} & {$750.00} I purchased passes for a convention that was in XX/XX/XXXX & it was cancelled and the company did not give any refunds so I disputed this. 

Barclays said that the merchant responded saying they did not break terms and conditions - at the time I also disputed three other charges for the same event but used 3rd party payments so I learned I have to dispute through them & I believe they were the merchant that responded stating this. 

XXXXXXXX XXXX does not have any active emails or phone numbers so there is no way Barclays could have contacted the company- so that the merchant responding does not make any since. 

I have been trying to receive my money back since XXXX and now they say its out of the period when I just found out in XXXX about the 3 that I have to go through the third party. 

The other 2 were not through a third party and Barclays directing paid XXXX XXXX on my behalf.

Again since the convention did not happen I did not receive anything for my payments & I do not believe these two charges of {$90.00} & {$750.00} are being looked into enough to deny me my money back. 

I have attached my letter from Barclays shouting the difference in names of charges & the email about the event being cancelled ( although it does say refunds would be happening they have not and its been Six months )

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 2023-05-12 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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.

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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MO

Complaint narrative:
Transunion is blatantly breaking the law. AND XXXX XXXX XXXX IN THE SPECIAL HANDLING DEPT HAS REFUSED TO FOLLOW THE LAW.She even blatantly lied and said hard inquires are indisputable. THIS IS FALSE! I have reported identity theft with ftc and have sent information to Transunion including two pieces of documentation of my theft and they have REFUSED to block any information on my credit report that was a result of the identity theft.

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have had no transactions with with any of these hard inquiries or accounts that are on my identity theft report.

transunion sent a letter back saying they denied the block because " i have obtained possession of goods, services, or money. " This is a lie and they have no evidence that i have obtained ANYTHING nor have i obtained anything from these accounts or inquiries.

According to 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I ask that Transunion provides factual evidence that I have received possession of any goods, services or money with wet signature giving any of these hard inquires or fraud accounts permission to report on my credit report OR for Transunion to deny blocking this information WITHOUT EVIDENCE.

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