vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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:
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 : XXXXXXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-06-30 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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
It's saying I have a XXXX on XXXX  XXXX cr XXXX in XXXX XXXX and the charge is also incorrect it is a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Every last time I try and contact Experian to allow a company to do a credit check while I have a credit freeze I am unable to remove the restriction. 
The company has a completely feckless phone number that led me in endless loops no less than XXXX times. 
They say I must do by mail or website but I have no idea what account Id I have. I am not okay with a company that weilds so much power that I have to put a freeze on because they ruined and abused their power before. But then when I want access, they have made it so hard that I am giving up. 
This is exactly why these companies should not be allowed to exist. They control everything and serve no one but their self.

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 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I sent XXXX using money gram from the US to XXXX . I did this online and used my debit card to be sent to XXXX  account in XXXX. XXXX. Transaction XXXX. After one hour the transaction says error. I called the merchant and they say there is nothing they can do. I said refund my money. They said no. The date sent was today Friday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-30 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I signed up for a Citi Bank card and and have been trying to pay it off for years. I have paid thousands of dollars and because of the interest rate I am unable to make any progress. I have reached out to the company multiple times and have either been told someone will call me back and never does or that there is no option for me at this time and they want me to call back after the next cycle. I have tried desperately to make payments or lower interest rates but have been unsuccessful.

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 2023-06-30 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: WA

Complaint narrative:
We want this off our account. The debt is really over. It was in 2016, we had flooding, that was caused by a faulty toilet flagger. We had been dealing with this toilet for many years. Landlord would send out individual to fix the toilet and we would deal with issue with this toilet over and over. After a couple of year of dealing with the toilet needing to be repair. I asked for a new toilet. They would not replace the toilet, just fix the same one. We want this taken off our credit report, it is not on XXXX anymore. This debt is really over. Please take off our credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX, I received a XXXX  debit card in the mail from XXXX All-Access by XXXX for which I didn't apply. At that time, I called them to let them know that I did not apply for this card and they stated that it was a promotional, internet advertising, marketing card. 

In the meantime, I had been a victim of identity theft and had been working with a recovery XXXX. We called XXXX XXXX by XXXX together XXXX XX/XX/XXXX and spoke with XXXX. XXXX XXXX by XXXX wanted me to contact the FTC, file a police report and send a copy of said police report to them. Our conversation was disconnected before we could get an address where to send the police report. 

The XXXX XXXX and I called again on XX/XX/XXXX and asked for the address where to send the police report. They gave the telephone # for the FTC as the contact #. Also gave the email addresses of XXXX and XXXX to send the documents. 

In XX/XX/XXXX, I received a XXXX in the mail from XXXX. On the same day ( XX/XX/XXXX ) and with the same person above, XXXX at XXXX stated that the XXXX was a website advertisement, opted me out of future mailings and told me to cut up the card.

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 2023-06-30 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-06-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is not updating my credit file with all my accounts. I have been in contact with Experian and my credit to fix this issue for over two months. The creditors that are not reporting on my Experian credit file are my Loans from XXXX XXXX XXXX XXXX XXXX and Bank of America. I spoke to BOA at the beginning of XXXX about reporting this issue, and they said they would investigate and see what could be done. It's now XXXX going into XXXX, and nothing has been done. I spoke with XXXX XXXX XXXX XXXX in XXXX and XXXX to investigate the issue, and they informed me that there is no issue on their end as far as reporting. I even sat down with the credit union branch XXXX on XX/XX/2023, while we called Experian on the phone to get this resolved together. The representative, XXXX, took down the information the creditor provided her over the phone and gave us a confirmation number to track the investigation. I called today, XX/XX/2023, to learn that the investigation was closed and nothing had been done. I also sent over paper copies by mail of the dispute and disputed online the updating of my report, and only half of the dispute was addressed, and this was at the end of XXXX. So after numerous conversations with Experian and no resolution as of yet, I'm trying to see what else can be done. Please help! This is hurting me tremendously if creditors only pull my Experian report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX XXXX Offered a discount, I accepted a XXXX XXXX  credit card while making a phone order, was told that he paper work would be sent to me. 

On Thursday XX/XX/XXXX I received my first contact from them, making it clear that the interest was 31.74 % (!! ) and that *I had only days to close the account, * if I did not wish to accept that. The card 's fine print gives itself the right to all my personal information and to share it with anyone it chooses. 

I did not call to activate the card. Instead, I immediately called the number given to close the account ( XXXX. ) It's a recording. There is NO place in its menu to close an account. I tried all the options given and could not close the account. There is NO way to get an operator. I tried numbers for customer service and the Comenity Bank, said to be the issuing banking institution. It turns out to be a Delaware po box XXXX Recordings. 

I wrote XXXX XXXX on its website. 

Good merchandise. Sleazy financial practices. 

I NEED TO CLOSE THIS. 

FRAUD. FRAUD. FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: IN

Complaint narrative:
These consumer reporting agencies have infringed upon my right to privacy. I recently submitted a dispute explaining to them how so, and they still claim that the accounts disputed were verified and updated. I am requesting the method of verification. Today is XXXX, they have XXXX days.

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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Case Number XXXX filed with the XXXX date : XX/XX/2023 Case Number with the XXXX : XXXX Case Number XXXX filed with the XXXX date : XXXX XXXX Case Number with the XXXX : XXXX Date : XXXX XXXX Wells Fargo has done XXXX investigations so far. Both times they have given me a temporary credit not once, but twice of {$500.00}. The bank continues to give me the run around, stating that I needed to file a police report with the local police about a situation they honestly shouldve been able to resolve on their end. Their lack of knowledge and not investigating the merchant along with asking me if the information was accurate. The bank decided upon themselves to not make sure that their information was accurate, and truthful. When this case was not investigated properly on their behalf, and now they want me to pick up where they failed to do their investigation. 
This merchant has given Wells Fargo fraudulent information, and this bank continues to give me, as the consumer the run around. When they have the manpower to have had this merchant properly investigated the first time. This is the purpose of the banks system. The current services Im receiving from XXXX are top tier, because they report to me daily on what is being done with my book. 
That is why I havent had any issues with this merchant, and the services that their freelancers are providing are great. XXXX XXXX XXXX  didnt offer that and did not report to me as they were supposed to. Wells Fargo and along with the merchant need to be held accountable for their lack of. The merchant shouldve been cooperative with the bank in refunding my money as they stated that they would. Wells Fargo shouldve made sure that those funds were being properly placed in their rightful place.

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 2023-06-30 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: NC

Complaint narrative:
I reached out to XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX we wired money ( {$21000.00} ) to JP Morgan Chase Bank to pay a subcontractor that did work on a project in XXXX XXXXXXXX. The next day we found out that the money was never received. Our subcontractor provided us their banking information through email and found out after the fact that the routing number was correct, but the account number was incorrect. Through the email there was fraud. The subcontractor immediately contacted us about the fraud and requested a reversal of funds, since it was sent to the wrong account number. We were informed that JP Morgan Chase didn't take the proper steps matching the wire transfer to XXXX XXXX XXXX XXXX information and JP Morgan Chase admitted they did not take the proper steps in matching the wire information ie. Name of company and address to proper account. My complaint is JP Morgan Chase was negligent and is responsible for the wire fraud. Chase is responsible for the request reversal, so we get our money back to pay the Subcontractor ( XXXX XXXX ) in full.

Company response to consumer: Closed with explanation