vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 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: CA

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 XXXXXXXX acct # XXXX, XXXX XXXX Bank acct # XXXX, XXXX acct # XXXX, XXXX XXXX Department acct XXXX XXXX, XXXX XXXX acct # 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.

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 2023-03-19 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: MI

Complaint narrative:
XXXX XXXXXXXX - XXXX XXXX2023 remove hard Inquiry

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 2023-03-19 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: MI

Complaint narrative:
XXXX  XXXX - XXXX XXXX2023 remove hard Inquiry

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 2023-03-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card was put on file for a XXXX subscription and the company automatically charged me one of the highest subscriptions with no warnings. I did not put my card on file as far as my knowledge so this charge caused my account to go negative and I need it reversed.

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 2023-03-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX and EQUIFAX are not investigating my disputes. US DEPARTMENT OF EDUCATION accounts on XXXX and 6 unauthorized INQUIRIES on EQUIFAX are not being shown as being DISPUTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Company failed to respond to issue in previous complaint : XXXX. 

Incorrectly reporting conflicting information. The loan can not be late in XXXX when it was paid and closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of Ed/ XXXX XXXX, Dept Of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by seven or more years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ay 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 2023-03-19 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX, Dept Of Ed XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by seven or more years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ay 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 2023-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I asked for a Nordstrom store card in XX/XX/XXXX. In XX/XX/XXXX I ordered 5 pair of XXXX. I was not sent the right jeans and one pair I was charged double price. I was charged for 6 pairs of jeans. I believe that I was but I am unable to read the statements. There are no order numbers and no descriptions and no tax explanations. I ordered 4 items from Nordstrom XXXX Again there is no order number or tax description. The bill can not be read. And the changes were over my calculations. I returned all the items XX/XX/XXXX. USPS delivered 9 items to a Nordstrom in Iowa XX/XX/XXXX. I sent in my store credit card cut into pieces with a request to cancel my account. My online account with the order numbers was erased. I have gone over the returns and account 10 times. My credit bureaus have asked for clarification but there is no order number for the {$93.00}. Nordstrom claims I owe. I understand that Nordstrom doesnt have an accountant. Others have complained about their returns. It appears that there is a scam with returns ; there are no confirmations. I have called 10 times and they have called me names. Liar. Thief. Its an impossible situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19 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: MI

Complaint narrative:
XXXX XXXXXXXX - XXXX XXXX remove hard Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: NC

Complaint narrative:
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Roughly around the first of XXXX I had a payroll deposit of around {$5000.00} come to Frost bank and they instantly froze my account even after I informed them of the amounts that would be going to this account when I open it. Since then I have tried to deal with them 4 times and the account is still frozen and I cant even get my money out that I put in it. It had been more than 10 business days with no response or resolution. I was told I have to wait until they decide to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: MD

Complaint narrative:
XXXX XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka 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 2023-03-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I enrolled in a savings bonus offer from Ally Bank on XXXX XXXX, XXXX. The offer stated that customers would receive a 1 % bonus for additional deposits up to {$50000.00} to savings vehicles if the money was kept at the bank for 90 days. The transfer had to be made by the end of XX/XX/XXXX. I transferred an additional {$50000.00} to my Ally savings account on XX/XX/XXXX. I subsequently transferred the {$50000.00} within Ally Bank to a CD account ( also within Ally Bank ) after calling customer service and receiving assurances that this was allowed and would not disqualify me from the 1 % bonus promotion. The bonus was supposed to be credited to the account on XX/XX/XXXX. However, this has not happened. I called Ally Bank customer service three times about the missing bonus and it has been escalated with case # XXXX. The case was created several weeks ago, but it is still pending.

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 2023-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's American Express Card. Received a piece of communication XX/XX/XXXX with wrong last numbers to end of letter ( 2190 ). I had lost a credit card inside Macy 's on counter with a bag of purchase on XX/XX/XXXX. I went back into store, inquired about my card which was : XXXX.at this time. The card and most everything was missing out of the bag.I came home and also called them for here at home. A girl by name of XXXX said no problem we'll take it off. And said we'll send another card. I said no please don't until all is settled. received within 4 days. I have called the Citi Bank that has Macy 's & another store 's collection accounts in XXXX, XXXXI never received a bill that I was in collections. Nothing from Macy 's account online? I have spoken to 5-8 people per day to try and straighten out until I Called Macy 's in XXXX. Nothing other than keep trying? for hours on hold. First no balance, then you have to pay old card even though stolen/lost, kept saying you at fault, ( me ). When I called Macy 's before I used new card : you have NO balance, we are sure. I used the card a couple of times and returned every purchase due to not fitting. Now they say I owe old balance and finance charges. Interest charges, etc. I am done reported to credit bureau 's no help at all.I kept receipts they didn't even have. When asked to speak with Supervisor, they said we all same here? Please advise? because I don't know what to do. I have gone back to store, made sure I have copies of every receipt. Help I beg of you. Thank you.

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 2023-03-19 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: Advantage Credit, Inc.
State: PA

Complaint narrative:
I never authorized to transfer or share personal credit information with any outside parties my consent was never given. This is unlawful and should not be permitted by any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
All of these names and address are incorrectly reported on my credit reprt report. Most are very old address that I have requestez to be removed. XXXX of which are not mine. 
Social security number that does not belong to me : XXXX This is in violation of 15 USC s2 A person shall not furnish any information relating to a consumer to sny cinsumer reporting agency if the person knowz or has reasonable causw ro believe that information in incorrect. 
In addition under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. Right to privacy Fair Credit Reporting Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. 
Incorrect addresses : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of which is incorrect and I have asked to please remove.

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 2023-03-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
All of these names and address are incorrectly reported on my credit reprt report. Most are very old address that I have requestez to be removed. Namez of which are not mine. 
Social security number that does not belong to me : XXXX This is in violation of 15 USC s2 A person shall not furnish any information relating to a consumer to sny cinsumer reporting agency if the person knowz or has reasonable causw ro believe that information in incorrect.

In addition under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. Right to privacy Fair Credit Reporting Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. 
Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Incorrect Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect and I have asked to please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am complaining about your non compliance to the request I sent you about the identity theft issues I had. You have been ignoring me like you didn't receive my letters when I can actually track them and I also have proof of them. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: MD

Complaint narrative:
XXXX XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka 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 non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I informed them back on XX/XX/XXXX of my hardship due to XXXX I could not continue to work and if they could please place me on a hardship payment plan I was told by the representative that I spoke with that they had no such program and that I most go elsewhere and take out a loan to pay them off in full. I continue to contact them via email and by phone and mo one reached out to me and continued to submit the automatic payment thru my bank which consisted of {$700.00} monthly and of course the payment was being returned because I do not have the money my annual income went from roughly {$110000.00} annually to {$54000.00} and to make matters worse my mortgage payment have gone up from {$2800.00} to {$3600.00} due to escrow shortage. My wife is also suffering from XXXX XXXX  and unable to afford XXXX XXXXXXXX. Finally this month I heard back from Upgrade after reaching out to pay them {$200.00} monthly they came back with three payoff offers that I could not afford and instead threatened me with accelerated payment in full I called them again and repeated that all I could afford is $ 200 monthly and this time they agreed for me to pay {$210.00} but for only 3 months and the difference of {$490.00} plus interest and late fee will be added to the loan balance I dont know what to do after XX/XX/XXXX when the 3 months is up and all that additional fee is added to my loan balance. 
Please Advise me. Thank you and God bless

Company response to consumer: Closed with explanation