vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transuion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Transuion written permission to furnish these accounts : XXXX. XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX ( 5 LATE PAYMENTS ) Account number : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX. XXXX ( 1 LATE PAYMENT ) Account number : XXXX XXXX XXXX XXXX, DE 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 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2023, I purchased XXXX XXXX XXXX tickets for {$450.00} each using my Chase XXXX XXXX XXXX card. While still on the call, with XXXX XXXX, I cancelled that transaction. XXXX XXXX charged my card for XXXX tickets and credited back for XXXX leaving a balance of {$900.00} ( $ XXXX XXXX ). I disputed these charges repeatedly with both XXXX XXXX and Chase. Over a period of 6 months, the charges have been temporarily removed and then added back several times. Most recently, Chase has credited my account {$450.00}. However, they refuse to credit the remaining {$450.00}. The last document from Chase states I have not shown the service was not provided. At this point, I have no airline ticket and yet I still show a balance of {$450.00}. I have explained this repeatedly to Chase and XXXX XXXX but while I have gotten credit for XXXX tickets, I can not get them to credit the last which never should have been billed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, Gramm-Leach-Bliley Act. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only one true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted this credit bureau to delete any and all items on my consumer report that I the consumer had no knowledge of or consented to..said company are not performing there duties and all adverse on derogatory marks that I the consumer may have had because I did not consent to any companies accessing my credit report .. and also remove all non mailable address except my current

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called Wells Fargo because I received a letter to my home address that said I would owe a service fee for a saving account if I did not set up direct deposit. I asked when this account was opened, they would not provide me any information and transferred my call around for XXXX hours. I called back and was transferred to fraud department where the worker refused to help me because I would not provide my minor children 's names who were in the car with me and she heard speaking. She then hung up on. I called back again to get any information and was on hold again for XXXX hours. Then I went to an actual bank, where they told me I had to provide my social security card and they would take a copy. I had to laugh at this point because a company that has law suits against them for fraud was doing everything they could to make it harder for me find out any information to stop it and actually made it harder for me to stop this.

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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My chime account was closed due to deposit violation. ( XXXX ). I had over {$300.00} taken from me. My job had just posted a direct deposit in my Chime account. The very next day my account was closed. Ive tried getting clarity on this issue but I keep getting the same answer. Simply stating my funds are not refundable. Not highlighting the reason for their actions. I just want my money back. I have not did anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I tried to settle a debt with XXXX  XXXX twice on two credit cards. However are willing to settle but they are refusing to send me a settlement letter. XXXX XXXX wants me to pay my debt before they provide a settlement letter that would provide an agreed upon amount for the debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX trying to get funds from my closed account : Numerous calls to customer support to transfer monies from our account were refused due to security concerns. 
Transferred to a specialist that confirmed that the account could be closed and funds wired back to the original source Called back to advise specialist that the funds could not be returned to original routing number/account due to size of transfer ( > {$250000.00} ) and the account, a XXXX  account, would not accept the transfer. We were told a check would be sent to us via certified mail. 
Received letters from Marcus by Goldman Sachs that the account was closed I could no longer log in to the account and can not verify where my funds are Called back XXXX, XX/XX/XXXX and I was notified that a check was sent but they could not provide tracking information but I was assured that I would receive the funds. 
Called back XX/XX/XXXX where representative XXXX assured me that a check was being sent via certified mail. Interaction number XXXX. Complaint number XXXX. 
Called back XX/XX/XXXX representative told me that no check would be issued despite numerous calls previously assuring me that the account was closed and the funds were being sent via certified mail. I asked for a supervisor and he told me that they went home for the day since it was after XXXX ( my call was answered at XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
See attachments I've recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. EQUIFAX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Today XX/XX/2024 I had called to close the account and this company had stated that I can not and that I am not eligible to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : TD AUTO FIN - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 
Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I spoke with a supervisor today XXXX XXXX at Transunion disputes. He informed me that they ( Transunion ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore XXXX whom are not reporting to the XXXX major credit bureaus Transunion, XXXX, and XXXX my on time payments made. I recently sent in to Transunion official payment history from XXXX XXXX XXXX XXXX my payment history. Moreover, I have been current all of 2023 to date by their own ( XXXX ) documentation. Transunion makes the claim that XXXX verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with Transunion. Transunion would not tell me why my score was dinged. However, I believe it was the doubling down by XXXX which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as Transunion, and XXXX did inform XXXX they are required to investigate my dispute and then update the reporting so that its accurate. An XXXX dispute in which XXXX is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from XXXX that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to XXXX, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By XXXX failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by XXXX as delinquent is not the same as a bankruptcy and inaccurate. XXXX reports that the loan is closed which is improper if not illegal. Overall, XXXX is denying me the benefit of timely made payments to FICO, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.

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