vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXX xx Date opened : XXXX XXXX Account mame : XXXX of the attorney General Account number : XXXX xx Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX xx Date opened : XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

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 2023-05-02 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: OH

Complaint narrative:
On or about XX/XX/2023 I requested that Transunion conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however Transunion was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. Transunion was not able to validate the debts but yet said they had.

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 2023-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unlawfully denying my consumer credit transaction for false non-decisive factors, pursuant to 15 U.S. Code 1691.

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 2023-05-02 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Tried opening a business account with First Republic Bank SIX MONTHS OF NO CLARITY... I tried to create a business account for a non-profit that I am XXXX  of. That was in XX/XX/XXXX  when all the documents required were sent. The account hasnt been opened till XX/XX/XXXX  and no clear reasoning. I have not gotten clear reasoning and answers for many questions. Since then we went to another bank and got an account opened. 

My asks - only two -- NO RESPONSE ( 1 ) Clear explanation of why account could not be opened - written please, ( 2 ) Clear proof that all the records, documents I submitted have been destroyed and deleted from your systems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have disputed two accounts off my credit report. 

1. XXXX XXXXXXXX 2. Affirm INC XXXX These two accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX charged a late fee to my account for XXXX of this year because my payment came late. I called and asked if I could have the fee removed. The person I spoke with said they noted it and that the fee will be removed and reflected in the XXXX bill. The paper bill I received had showed a minimum amount that reflected the fee still there as well as my XXXX payment having not been received. I knew this was incorrect, and their website doesn't pull up on my computer and I've been trying to register for an online account since I opened the account over two years ago at this point. So I called customer service to get the actual minimum for the XXXX bill. I was quoted a number that clearly reflected the late fee from XXXX I was told would be removed. The person on the phone insulted my intelligence by saying the person you spoke with earlier misspoke and said they remove the fee from my total balance after I pay it. How is it a fee removal if the fee is " removed '' after I give you money for the fee. I don't appreciate being lied to nor condescended. I then called back and asked about the dispute process and was pointed to their web page that customers are expected to print out, fill out, and then send snail mail to some address in South Carolina. This is from a company that on their online portals and every paper bill encourages us to go paperless with their " XXXX '' website that has not allowed me to register for it since I've opened this account. This leads me to believe the dispute process is a formality, farce, and nothing they actually take seriously. I want to dispute the fee and I want it removed from my due balance immediately like I was told it would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: VA

Complaint narrative:
Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have sent several letters to Experian requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that Experian has not done so as I have received several stall letters and notification. that my information has been " Verified '' instead of " Updated '' as I have requested several times. I have been seeking a proper investigation and update to " PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. There are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX XXXX 30 days late. XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. On XX/XX/2023, I received correspondence from Experian stating these accounts are reporting accurately- which they are not. I sent another letter XX/XX/2023 stating that Experian is violating a few of my consumer rights. During the time of these late payments, this was during COVID which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. On XX/XX/2023, I receive correspondence from Experian stating that I the information has been verified without properly investigating my credit report versus the laws that have been violated. This has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late In response, I would like the following accounts to be updated to PAID AS AGREED. 

Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late

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 2023-05-02 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: TX

Complaint narrative:
Attached you will find documents requesting the method of verification for this account in question by this debt collector. Experian claims they contacted the data furnisher and they the data furnisher verified the account but how if I wasn't provided any of the method of verification documents I've requested. Until those details items are recieved I want this item removed from my consumer report as this debt is in DISPUTE, that would be a violatio

n Pursuant 15usc 1692e8- False or misleading Representation. Furthermore As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. I also received a letter stating that the CRA needed additional documents of my indenity this is a stall tactic to slow down my efforts to get this account investigated. Also under 1692G validation of debt copies will not suffice in this matter.

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 2023-05-03 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.

Complaint narrative:
It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification.

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 2023-05-02 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: LA

Complaint narrative:
Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification

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 2023-05-02 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: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,

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 2023-05-02 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XXXX XXXXXXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-05-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL UNAUTHORIZED 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 non-monetary relief
Consumer complaint received 2023-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
What Im seeking is a meaningful review of the substance of my complaint with Capital One credit card resolving my dispute of fraudulent movers in XXXX of 2023. XXXX XXXX XXXX that took my deposit but never moved me & with XXXX XXXX XXXX  who over charged me & delivered broken & smashed items. Under the circumstances I feel a through review of the documents that I sent on this dispute is most applicable. Capital One sent me a letter saying I didnt comply with in their time frame, which was due on their part of sending me a defective link every time for my papers & proof that didnt go through but was never told, which caused major delays in the process. Now they said its too late. I asked them over & over to review the case but they refused. I also talked with a Supervisor on this matter & she said she couldnt go any higher to resolve the situation. Please review all my notes & paper work that Capital One has & you will agree I was not treated fairly in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX 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 2023-05-02 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:
in accordance with the Fair Credit Reporting act XXXX 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 2023-05-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting a collection account for XXXX  that was opened in 2019 this account is not mine and I have disputed and requested verification that it belongs to me. They do not verify and continue to report and change information. I had disputed with experian and they had deleted it and then XXXX XXXX reported again as past due. They have not sent any bill and continue to not verify this debt. Experian also does not investigate and validates the debt in less than a day. Indicating absolutely no investigation.

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 2023-05-02 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: IL

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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