vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX uses US Bank to send our benefits. For 11 days, I have been trying to get US Bank to update my address and send out my replacement card, valued at {$6500.00}. US Bank refuses and everyday they tell me to Call XXXX and update my address. I have sent proof in to US BAnk, and XXXX has also sent in proof that my address has been updated and yet US Bank refuses to update my address and send out my replacement card. For 11 days, US Bank tells me to call, I call XXXX, I spend hours on the phone everyday between the 2 and everyday, US Bank tells me to wait 24 hours for the update to their system, when I call back to verify, I am told XXXX hasn't updated my address yet. I have proof that XXXX has updated my address, yet US BAnk refuses to acknowledge, they just say that I need to call XXXX and tell them to update the portal for US bank. I have requested to speak to Supervisors, IT departments, anyone else that can look and see if faxes have been received from XXXX to verify my address, and yet, US Bank just repeats the same thing. They refuse to call XXXX to verify what I am saying, they refuse to hold while I call XXXX, they refuse to give me any contact information so when I call XXXX I can get them back on the line. They just keep referring me back to cardholder services XXXX number. 11 days I have spent trying to get this corrected, and I am still where I started. US Bank is holding my {$6500.00} and refusing to send it to me.

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 2023-02-26 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: MA

Complaint narrative:
I have disputed a derogatory mark on my TransUnion profile multiple times with no success or explanation why my dispute is being rejected. I cancelled my accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  due to shady business practices towards their military clients and failure to meet fiduciary duties. After cancellation of my accounts, the company continued to charge me for a life insurance policy that I had cancelled which ultimately resulted in an overdraft fee. I then called XXXX XXXX XXXX  to dispute the faulty charge and overdraft fee and they assured me that it would be removed. Months later I found it reflected as a derogatory mark on my credit report. I was able to successfully remove the mark on both my XXXX and XXXX profiles, however TransUnion remains insistent on keeping the mark on my report. I have incurred thousands of additional dollars on my car payment and my credit score has suffered dramatically for a false {$110.00} charge.

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 2023-02-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX and XXXX XXXX have violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 602 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX and XXXX XXXX have violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 602 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-02-26 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: NJ

Complaint narrative:
Do you have a contractual obligation with XXXX, XXXX, XXXX XXXX XXXX. Yes or No? If so show me the contract.

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 2023-02-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

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 2023-02-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: MI

Complaint narrative:
I have several fraudulent accounts and addresses with 14 fraudulent inquiries. I will attach the FTC report with police report and photo of fraudulent inquiries. Listed below are fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} ) ( XXXX XXXXXXXX XXXX XXXX XXXX - {$380.00} ) ( XXXX, XXXX / XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - {$7300.00} ) Closed fraudulent accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please read identity theft report for fraudulent 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 explanation
Consumer complaint received 2023-02-26 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) {$170.00} 08 XXXX XXXX  XX/XX/XXXX ( XXXX XXXX  ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX mo XXXX does not belong to me

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 2023-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CUSTOMERS BANCORP, INC
State: WI

Complaint narrative:
In XXXX of XXXX I was made aware that my personal information was used to open a savings account with Customers Bank. I did not open or authorize this account and requested that it immediately be closed. I was assured by personnel at Customers Bank that the account would be closed as soon as possible. The bank mailed me a letter confirming the account is flagged as fraudulent and would be closed. On XX/XX/XXXX I received a statement in the mail confirming the fraudulent account is still open and the Bank has not taken action to close the account. 

I have now called the bank twice to report fraud and ask that the account be closed and the matter be investigated to the extent possible. They have failed to take action and I continue to be at risk for further fraud exposure as a result. The attached letter will be mailed to Customers Bank on XX/XX/XXXX, again requesting they take action to the close the fraudulent account. 

Please investigate this matter and determine why the bank refuses to take action. 

Kind Regards, 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 2023-02-27 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: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-02-26 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: OH

Complaint narrative:
OHIO DEPT OF HUMAN SERVICES  XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-27 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: FL

Complaint narrative:
In accordance to 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 : CHILD SUPPORT ACCOUNT NUMBER XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights 1

5 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming 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 2023-02-27 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: FL

Complaint narrative:
In accordance to 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 : CHILD SUPPORT XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  XXXX Bankruptcy Account number : XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming 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 2023-02-27 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 Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/22, I contracted with XXXX XXXX ( DBA Home Fix Experts ) to build a retaining wall in front of our house. As part of this agreement, I sent, on or about XX/XX/22, a {$3000.00} payment to XXXX XXXX via my Venmo account ( under email address XXXX ). Venmo withdrew the payment from our XXXX checking account and transferred it to XXXX XXXX 's account. Because we had only limited experience with XXXX XXXX, I also elected to use Venmo 's purchase protection feature, which charged a small fee to allegedly protect us from fraud or failure to provide services. Full terms can be found at https : //venmo.com/legal/us-user-agreement/ # venmo-purchase-program. The site specifically says that it applies to sales of both goods and services. 

Halfway through construction, XXXX XXXX stopped performing work with the wall half finished, and instead provided one excuse after another for the delays. He claimed to have ordered another pallet of stones on our behalf, which never arrived. He repeatedly claimed that a truck would come by to take away the trash in front of our house, which never happened. His employee ( XXXX XXXX ) showed up at our house and stated that XXXX XXXX never paid him. Finally, my husband called the place that provided the first shipment of stones ( XXXX XXXX ) and they said that XXXX XXXX 's credit card didn't work and that they'd been trying to track him down for payment for XXXX weeks. 

After all that, I contacted Virginia 's Department of Professional and XXXX XXXX, and found out that he was unlicensed and what he was doing was illegal. My husband texted him about all this, and he did admit to me via text that he is not licensed. 

When I contacted Venmo and attempted to get back our {$3000.00} via the purchase protection plan, Venmo opened an investigation, but closed it multiple times without informing me, gave me the runaround, and at one point even closed my account, preventing me from following up. After admitting that they closed the account in error, Venmo reviewed the available evidence again and concluded that we did not qualify for purchase protection because I was merely suffering from " XXXX 's Remorse ''. Since XXXX XXXX failed to provide the completed retaining wall that I contracted for, I don't believe that " Buyer 's Remorse '' is an accurate reflection of the issue. " Buyer 's Remorse '' describes a condition where the buyer is simply regretful after the full completion of a transaction. In this case, the service provider did not provide a completed service. 

I am happy to provide additional evidence if needed. We have a full SMS transcript of all my husbands interactions with XXXX XXXX, but the full file is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Not sure debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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