vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Balance {$410.00} Opening Date : XXXX XXXX XXXX XXXX XXXX {$650.00} XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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 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 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 2023-05-17 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ ACCOUNT NUMBER : XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MOHELA
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is withholding my transcripts, both official and unofficial transcripts, due to unpaid balance caused by returned loans/grant money when i was fleeing the state

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}

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 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am never late in this accounts

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I opened a XXXX XXXX XXXX so that I could make my rent payments and gain points. 

I used the card on a Friday morning to pay my 1st month 's rent + my security deposit ( {$2400.00} ). My renter 's portal showed that my transaction was successful. 

On Monday, I checked my ledger online and saw that the payment had process and had also posted ( I have proof of this ). 

Afterwards, I took {$2400.00} I had in my personal checking, and made a payment to XXXX for that amount. A few hours later, I received an e-mail from XXXX saying that my payment to my landlord had been denied. After that, I received communication from my landlord stating that my account was past due and that the payment was not procced for " insufficient funds ''. 

I called my landlord and they stated that this situation was strange because the accountant confirmed that they had the money deposited into their business bank account. This further corroborated that that transaction was completely posted by the time I check online. XXXX rescinded my transaction AFTER it was posted and AFTER I made the payment for the full amount. 

Now, my landlord is upset because my payment bounced, and I have no funds to pay them directly since I sent that money to XXXX. Now I am being told that even though my funds were taken from my account in 1 business day and they were able to rescind a posted transaction, I have to wait 5-11 business days to receive my cash back. 

If you call the number they provide, all you receive is an endless loop asking you to please contact them using their " chat '' service on their website. Well, if you visit the website you will notice that they do not have a chat feature. They have a system that appears to be chat, but when you ask to chat with an agent, it simply composes an e-mail for you, and says that you will receive an e-mail back from them. I have not been able to get this issue fixed.

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 2023-05-17 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: NC

Complaint narrative:
I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have yet to receive a correspondence in reference to my account. I was approved for {$1500.00} and my credit limit was lowered to {$500.00}. Considering my application was the collateral in which was used to obtain and open the account in my name ; I want to know what happened to the {$1000.00} which this company was issued in advance for the said amount. According to Federal Reserve Act, in no event shall such collateral security be less than the amount of federal reserve notes applied for. How is the financial institution going to tender my application for {$1500.00} then lower my amount to {$500.00}? I have a fiduciary obligation to ensure my accounts is receiving the equity it was giving at the beginning of the consumer credit transaction. You are commissioned under the Security Exchange Commission and took an oath to handle transactions in due form. Are you committing security fraud by advancing for a said amount and then lowering the consumer credit amount? Was the {$1000.00} returned to federal reserve bank and your accounts were balanced? I am demanding the accounting records on this account that is issued by the XXXX XXXX XXXX XXXX. Please dont inform about my credit score and factors when the application aka collateral security was what was tendered to obtain the XXXX. The security offered shall be notes, drafts, bill of exchange or acceptances acquired under the Federal Reserve 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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX someone called American Express and frequently used my information to try and open a credit card on my name. American Express ran a credit inquiry. I called American express the same day I discovered this in XXXX of XXXX and they promised to withdraw the credit report within 90 days. I have since called a minimum of 6 times, only to be told to have patience and that they will withdraw this credit inquiry. 
As of today, XX/XX/XXXX, the inquiry still shows up when I log in to my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I see a hard inquiry on my XXXX credit report from Bank of America. Then I received a letter from them saying they discuss this with me because I applied for a Balance Assist loan from Bank of America. I told that I made a mistake, I did see that this process would put a had inquiry on my credit report until I selected Apply. I was doing this on my phone.

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 2023-05-17 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 this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose 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 explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: VA

Complaint narrative:
I was officially notified on XX/XX/XXXX by a representative from Rent Recovery Solutions LLC, that my previous Landlord is attempting to collect a debt for rent owed for the months of XXXX, XXXX and XX/XX/XXXX as well as damage and utility fees. These statements from XXXX XXXX XXXX ( XXXX, Virginia ) are false. XXXX XXXX ( whose name is also on the lease ) and I moved out of the apartment XX/XX/XXXX. The office at XXXX XXXX told me on the phone two weeks prior to moving out that the apartment was rented and a new lease was signed for that unit. I explained this to the debt collection representative and was told that I can dispute the debt and would need to send in supporting documents in order to put the account on a hold. I was also told that the debt would be subject to credit reporting on XX/XX/XXXX. I sent the supporting documents to them in the mail to the address provided by the representative later that same day ( XX/XX/XXXX ). The address provided was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My dispute documents consist of a copy of the lease agreement, a copy of a dispute email I sent to XXXX XXXX XXXX  concerning the debt, a copy of the statement I had received in the mail from XXXX XXXX and also a letter that explains my argument for the debt. I had tracking on the package sent out by USPS. My dispute documents were delivered to the agency on Monday XX/XX/XXXX at XXXX XXXX. I called the rep back to see if they had received them but was told " No, it could take a couple of days to get into our system. '' I continued to call multiple times until finally on XX/XX/XXXX after being told they still were not uploaded into their system, I sent a second copy of dispute documents to them. That second set of documents arrived to the agency on XX/XX/XXXX at XXXX XXXX according to USPS tracking. I called XX/XX/XXXX to express my concerns and figure out why my documents were not uploaded after sending them a second set. I was also informed the department that handles these documents is located in the same building but yet they have no way of contacting them to figure out what the hold up is. The last thing I want is for this to hurt my credit score. I feel like they have had plenty of time to submit my documents and put my account on hold from credit reporting so this whole matter can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: PA

Complaint narrative:
My identity was stolen on XXXX XXXX  when someone used my social security number to attempt to fraudulently open a credit card account. This resulted in a hard inquiry on my credit report. I filed a police report when I learned that my identity was stolen, contacted the bank where the account was fraudulently applied for, and contacted TransUnion to have the hard inquiry removed and alert them of the fraud. TransUnion told me I would receive a letter in 7-10 days detailing the report and has refused to send me a letter or any documentation regarding this issue. I have contacted them since and they did not seem to understand I already reported this issue and offered to repeat the process that did not work before.

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 2023-05-17 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: GA

Complaint narrative:
: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXX without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.

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 2023-05-17 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: GA

Complaint narrative:
: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXXXXXX  without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX  and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX  I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.

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 2023-05-17 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: UT

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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