vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
RE : Membership ID # XXXX Case Numbers : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I am writing regarding incorrect and unsubstantiated information on my Experian credit report. I have made multiple phone calls and 3 disputes with Experian regarding the incorrect information, with no success. The information is from XX/XX/XXXX and is from XXXX, which appears incorrectly on my credit report as XXXX. As I have stated in multiple phone calls with Experian representatives, XXXX is no longer in business ; the company no longer exists. It was absorbed by XXXX XXXX in XX/XX/XXXX. I have had great difficulty getting this information across. Because Ive had no success with Experian in resolving this issue, Ive also been in contact with XXXX XXXX ( who no longer holds my mortgage ) to get this resolved. XXXX XXXX has kindly provided a letter requesting that this information be removed from my credit report, as they have no proof of its accuracy. They have provided the letter to you, although your representatives are unable to find it. Therefore, I am submitting the request letter by registered mail; please see the attached copy. Additionally, I received an Experian Alert email on the morning of XX/XX/XXXX stating that my credit score had increased by XXXX points, from XXXX to XXXX ; approximately 12 hours later, I received an alert stating that it had dropped XXXX points, back to XXXX. I am quite perplexed by this. The other two credit reporting bureaus, XXXX and XXXX, report my score as XXXX ; they also do not list the reported late payment from XXXX. I can only assume that this information has caused my Experian score to drop tremendously, which of course affects my credit rating and financial health. 

I would truly appreciate your assistance in resolving this matter and having the incorrect information removed from my Experian credit report. 


Thank you, XXXX XXXX The preceding letter was sent by certified mail, along with the letter from XXXX XXXX requesting this late payment be removed from my credit report. The letter has been sitting at the post office in XXXX, TX for 3 days and has not been picked up.

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 2022-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX Student loan account that has been transfer to another account. I want this derogatory information removed from my credit report. 

In accordance with the Fair Credit Reporting act XXXX 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

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 2022-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX Student loan account that has been transfer to another account. I want this derogatory information removed from my credit report. 

In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Ive been getting repeated phone calls from comity bank for a credit card I applied for I was already taking the steps to pay them back but I get phone calls all day and night about this same debit Im tired of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2022-04-30 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: TX

Complaint narrative:
In accordance with the fair credit reporting act Account : XXXX, Account # : 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX6, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
In accordance with the fair credit reporting act Account : XXXX XXXX ( Original Creditor : 10 XXXX XXXX  ) Account # : 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30 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:
I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.

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 2022-04-30 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: MI

Complaint narrative:
I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TX

Complaint narrative:
In accordance with the fair credit reporting act Account : XXXX XXXXT ( Original Creditor : 10 XXXX XXXX  ) Account # : 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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:
In accordance with the fair credit reporting act Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have tried several times to have Capital One to send a cashier Check ( XX/XX/2022 ) for them to state they can not do it and that it has to be done online. When attempting to do it online, my account gets locked out and I have to wait 24 hours for the account to get unlocked. Waited the 24 hours and the account gets locked out again with the agent on the phone stating that they can not assist. Tried to get money wired to an escrow account on XX/XX/XXXX and got the same run around with them saying that no bankers were available and I had to call back on Monday, account again was locked out with me not being able to do anything for 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After multiple attempts to get the agency to investigate Inaccurate and unverified accounts on my credit profile my disputes have been ignored with out any investigation being completed.

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 2022-04-30 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: PA

Complaint narrative:
After multiple attempts to get the agency to investigate Inaccurate and unverified accounts on my credit profile my disputes have been ignored with out any investigation being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A hard inquiry appeared on my credit report, dated XX/XX/2022, that I did not authorize. I didn't apply for any credit cards, loans or other products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX, I opened a silver business checking account with banker XXXX XXXX XXXX XXXX at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. He walked me thorough the website to open the account & register for online banking, registering for the promotion for a {$300.00} bonus when {$3000.00} was deposited with 30 days of account opening & online banking activated. He confirmed I qualified for this bonus # XXXX he added to my application, and that activating my online banking with him qualified me to receive the {$300.00}. He also mentioned that depositing the new {$3000.00} in funds via ATM or lobby in person will be ok since the mobile app wasn't working for 30 days as a new account holder & a wire transfer or ACH wasn't available. After following up with XXXX-8 US Bank employees in various departments the past 2-3 months since XXXX & calling the IT desk, business services, stopping by the branch in person & emailing various departments via the website every few weeks, they verified I qualified for the bonus several times, and were just waiting for the team manager that did the review to activate the bonus. With my last interaction XX/XX/XXXX with XXXX XXXX at the same XXXX XXXX branch phone : XXXX, he mentioned I didn't qualify for the {$300.00} bonus since I didn't deposit the {$3000.00} on XX/XX/XXXX via mobile deposit. I told him I was told any means of deposit including ATM & lobby deposit would qualify me for the bonus by XXXX via phone & XXXX 's email correspondence confirming I qualified for the {$300.00}, since the mobile site wasn't working when we opened the account online together with Banker XXXX XXXX XXXX XXXX. I followed all the instructions given exactly, and was assured I would receive the {$300.00} account opening bonus by XXXX. Now 14+ hours of follow-up ( several more voicmails left for XXXX & XXXX XXXX XXXX XXXX XXXX branch ) & several months later I have still not received it. I would like to be paid and receive compensation for my 14 hours to date ( XX/XX/XXXX ) of wasted time by their stonewalling & fraud bait & switch tactics. The US Bank culture is rotten & as an XXXX XXXX myself, I see several material weaknesses & fraud risks throughout this organization. I still had access to former entity accounts form 2+ years ago & that same entity had their email on my new account opened up in XXXX. I was also accosted at their ATM & when I reported it to the tellers that day, nothing was done " we have no security today ''.

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 2022-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: NM

Complaint narrative:
I opened a Prosper Credit card online. I was approved and a card was sent to me. When I tried to activate the card, I was told the account was suspended due to a security issue. They did activate my card after verification but was told the back office would be calling me. I asked for a manager but never got one. No one ever called me back and I never got any explanation why my card wouldnt work. No correspondence either. I feel they took my personal information but never got the ability to use the card they approved me for. I am nervous as this seems very strange.

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 2022-04-30 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: CA

Complaint narrative:
I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by XXXX XXXX ( XXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from XXXX listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with XXXX back in XXXX. I then tried to obtain deletion directly from XXXX and they refused. I then disputed with XXXX, TransUnion and XXXX and TransUnion deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at TransUnion and/or XXXX are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining XXXX accounts should be deleted by TransUnion so I can obtain credit score lift. In fact, the 4 medical collections from Dignity never should have reached XXXX for adverse listing against me. 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 2022-04-30 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: PA

Complaint narrative:
A hard inquiry appeared on my credit report, dated XX/XX/2022, that I did not authorize. I didn't apply for any credit cards, loans or other products.

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