vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank uses misleading language regarding wires on their website to avoid committing to sending same day wires. They say that wires need to be " reviewed '' by XXXX to be sent same day instead of " received. '' There is no other guidance on when to send in your wire to get it out same day, so the implication is that XXXX is the cutoff to request a wire. You don't know that your wire won't be sent until it doesn't go through. They do this, so they don't have to acknowledge that they don't send same day wires. It might not be fraud, but its intentionally vague. I'm sure many people have had issues with large our payments due to this language, for example home purchases.

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 2022-05-04 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: MA

Complaint narrative:
TransUnion Credit Bureau is erroneously reporting information that was corrected on my credit report by XXXX XXXX XXXX. The refusal to correct the information is causing my credit score to dip by over 50 points. XXXX XXXX XXXX has sent me documentation correcting the error and has also sent the same information to TransUnion. Instead of accurate reporting, the account now shows " Account closed with XXXX balance '' which is not true. The account should be reported specifically ( as stated by XXXX ) as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES.

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 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am a XXXX veteran. XXXX XXXX XXXX has a contract with VA ( Veteran Affairs ) to provide local care to veterans. I provided my VA ID and got XXXX services on XXXX and XXXX. VA paid XXXX XXXXXXXX for services however I found they ( XXXX  ) put me in collections for {$400.00} and {$1600.00}. Contesting this, it was discovered the wrong information was entered into XXXX XXXX XXXX. VA has contacted XXXX on XXXX different occasions and instructed them on the proper way to enter veterans ' information. They will not remove this from collections. All representatives tell me that it takes XXXX days to fix. This time have expired. I have been collections for 1 year. I've disputed these collection account accounts with the XXXX credit bureaus to no avail.

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 2022-05-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I didnt Authorize the following inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This company has yet to send me a validation of debt letter, please send me information showing that I signed for anything, provide me with proof that you have my identification with opening up this debt, please provide me with any payments that was received with your company, Also please provide me with all information showing what was given to open up this account, PROVIDE ME WITH MY SIGNATURE ON OPENING THIS ACCOUNT ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Merchants XXXX XXXX account numbersXXXX, and XXXX. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C section 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: NC

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX 2021.

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 2022-05-04 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 with the Fair Credit Reporting act XXXX Account ( XXXX  ) # XXXX, ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) # XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ) # XXXXXXXX, ( 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 non-monetary relief
Consumer complaint received 2022-05-04 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:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX  balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXX 2021.

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 2022-05-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXX 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: NC

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXXXXXX 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 2022-05-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$0.00} account # XXXX 30 days late in XXXX XXXX, 60 days late in XX/XX/2021, and 30 days late in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I attempted to transfer funds from one account to another account which showed low funds for a transaction for a pending transaction. Several attempts and system would not let me make a transfer to cover transaction, so I XXXX money from one of my accounts to this account with low funds. The next day I check my account and there is an overdraft fee and my XXXX funds are showing pending which they never do, my funds always go in effect immediately after transfer. At the time of transfer there was no overdraft fee showing or pending. BOA is Fraud and I will be closing all of my 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 explanation
Consumer complaint received 2022-05-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also StateXXXX that a consumer reporting agency can not furnish a 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 2022-05-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I got 6 alerts for new inquiries that I never applied XX/XX/XXXX on XXXX XX/XX/XXXX on Nordstrom XX/XX/XXXX XXXX jewelry I did the claim for the other two news inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive sent to TransUnion via USPS a dispute about an account is reported on my credit report as a result of double reporting on my credit report, due to an unknown reason since about two months ago I realized they had two credit reports on my name, situation that was solved, but there was still this account ( XXXX  XXXX  loan ) reported on my account. On the XX/XX/XXXX. XXXX they have received an USPS certified e mail asking for the verification of this account, they havent replied or verified this account till I had to called them since this inaccurate account is preventing me to obtained further credit and making me pay higher interest rates. 
They sent a verified account until XX/XX/2022 without mentioning the way theyve used to verified it.

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 2022-05-04 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:
The consumer reporting agencies XXXX, Transunion, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I used my debitcard to purchase a flight upgrade with XXXX XXXX they charged my account five times which took all the money I had on friday XX/XX/29 I called my bank and the merchant immediately as I had an important business trip on monday XXXX they informed me there was nothing that coulb be done as the charges were pending i would have to wait till monday leaving me no way pay for any services needed on my trip it is now wed XXXX and I still have no money in my account and i have bills due which are now late and am getting no answers other than just wait it will clearup on its own

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts # XXXX and # XXXX. have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It 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 an account under a open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
After carefully reviewing credit report Ive noticed that Experian have not removed the collection item listed on my consumer report XXXX XXXX XXXX {$3800.00} XXXX settled the case. They have agreed I don't owe them anything, they will dismiss the case against me and request any negative credit reporting be removed. Attached is the settlement agreement with both parties signature from XX/XX/2021 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 2022-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under 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 2022-05-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account XXXX, and XXXX. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account XXXX, and XXXX. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery debt appeared on credit report. Debt result of identity. 
Portfolio denies fraud claim as valid. Portfolio fails to provide all requested original documents outlined by the law in time required to support their denial of claim. Portfolio continues to harass me after cease and desist letter. 
Included is police report of identity theft.

Company response to consumer: Closed with non-monetary relief