vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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. 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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Payment Resolution Services
State: TX

Complaint narrative:
A service called Payment processing center claims that I took out a payday loan in 2015, which I did not. They say I never payed it back and keep calling me and leaving threatening messages. Their number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My puppy chewed a XXXX dollar bill, and tore it into pieces. I went to Truist bank, where I bank, and asked them to change the bill for one that was not damaged. When they refused I asked to speak with the bank manager, XXXX XXXX. He was not there, and wouldnt be in until after XXXX. I was told that if there was not sixty percent of the bill that they would not be able to exchange it. But the bill was almost entirely present. And both lines of the serial number was able to be read. I asked when the manager would be in and the teller was extremely rude, saying that he would be there after XXXX, but that he would tell me the same thing. When I returned he did in fact say that there was nothing they could do. Even though the treasury states that they only need fifty percent of the bill, and I had well over eighty percent of the bill. They then preceded to insinuate that I was attempting to pass of a counterfeit bill. I left and went next door to XXXX XXXX and they exchanged it with no problem. The tellers, and the manager were both extremely rude. And they also went out of their way to make me feel as if I had done something wrong, when in fact it was them who were not following the federal guidelines.

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 2023-07-05 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: PA

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error 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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent {$300.00} through cash app to an attorney XXXX XXXX, she doesn't have the app on her phone. I walked the payment in her office. I contacted Cashapp to inform them by phone that {$300.00} was in their system account, They immediately agreed to return the money that minute to my debit card issued by XXXX, The money never shown up to this day, XXXX disputed and cash app lied by saying they put it on my cash app balance. 

I'm attaching documents that show they never place back on my card or in a cash balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN is allowing XXXX XXXX stay on my credit report whom The original debt was from XXXXXXXX XXXX XXXX. where I received a credit card in XXXX I had a bankruptcy in XXXX this was included in my bankruptcy However it appears they sold my account to XXXX XXXX. and they account marked past due status also incorrect date, the Terms listed as monthly or one month. The collection company collection from the state of Illinois Under 15 U.S 1681p should be removed credit report.

Under the FCRA Law 2 year rule

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello im asking for a removal of the account from my credit report. I am not the primary card holder only an authorize user. My name is XXXX XXXX son is XXXX thank you the account is from XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The dates i started to write down are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). Experian is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called experian, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). Experian has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company XXXX. I've called XXXX and they confirmed the account has a {$0.00} balance. Experian is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect! 

I've spoken with representatives and written emails to correct with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representatives ensured that the issue would be corrected on their end, yet its still showing up on my credit report and causing issues with me purchasing a car as well as a house. Please correct this incorrect information. Thank you.

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 2023-07-05 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: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I had a XXXX XXXX alert saying a hard inquiry was done XX/XX/2023 from XXXX ( XXXX & XXXX ) was the note, I have never used this company and have NOT applied for a loan with any company in the last year. I called XXXX and they would immediately either hang up or forward my call to an automated survey asking if I was satisfied. I still have no idea what this hard inquiry was about.

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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
When I purchased furniture from Ashleys XXXX XXXX in XXXX Mississippi on XX/XX/2022, the store clerk incorrectly entered my information from my paperwork and instead put the details for my mother, XXXX XXXX ( not XXXX XXXX as her account information shows ) who already had an Ashleys account and bought something the same day. I noticed the error and asked the clerk to correct the details. Somehow, the error remained, and it has caused a massive amount of trouble for me and her. 

The furniture was not delivered for several weeks until XX/XX/XXXX, because the delivery address was to my mothers home in XXXX, Mississippi and not my own in XXXX, Mississippi, and the contact number was her cell phone instead of my own. I called Ashleys to discuss the correct delivery address and they were unable to fix it. I offered to pick it up from the store instead and they were unable to change the delivery method. I suppose the person I spoke to corrected the delivery address because my mother started receiving texts asking when to deliver the furniture to my correct address, and she ( luckily for me ) filled it out so that it would be sent to my home. This issue was a multi-week stressor and I was happy to have it behind me. My mother, my spouse and I thought the sole issue was the delivery address and contact information, but that was not the case. 

My mother, XXXX XXXX received a credit card from Ashleys XXXX XXXX  for which she did not apply. We realized that her information must have been used instead of mine for the purchase, despite my correction at the store. I called the Ashleys store and was told they could not help ; I called XXXX XXXX  and was told they did not hold my account ; I spoke with someone at Synchrony who said that it was her name and contact information with my social security number, they could not fix the problem over the phone, and I would have to send a letter to Synchrony explaining the issue. I immediately sent such a letter. 

I tried to pay the minimum fee online but was unable to because I did not have the account number, because the only documentation I had was from the store on the day of the purchase. I eventually, in XXXX, received a bill with the account number and was able to pay the first balance, with accrued late fees. 

wrote two letters to Synchrony explaining the issue. The first received a nonresponsive letter and I received no response from the second. I sent them copies of the sales order, delivery ticket, letter from Customer Service Department, and credit 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 monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I created a Coinbase account a made a transfer for {$550.00}. My funds said they would be available immediately and the fees were {$8.00}. My account only received {$530.00} and has a 10 day hold I was not told about. It was also advertised you would get to spin a wheel for up to {$200.00} but they never let me do that, so theyre also false advertising. I tried to contact them to cancel the transfer and to get them to delete my banking information but they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: GA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I opened my M & T Bank XXXX XXXX and XXXX XXXX accounts on XX/XX/23 under a promotion and I was supposed to receive : + A {$250.00} bonus for having a {$500.00} direct deposit into my checking account within 90 days + A {$100.00} bonus for maintaining a {$2500.00} balance in my savings account in XXXX and XXXX I satisfied all of the requirements and per the terms of the promotion, both bonuses should have been credited by XX/XX/23 -- but I have not received either bonus yet. 

I contacted M & T Bank via secure message on XX/XX/23 about the missing bonuses and received responses on XX/XX/23, XX/XX/23 and XX/XX/23 that they were looking into the issue -- but I have not received a response since and the issue is still not resolved. 

I've attached the page I applied through with the promotion terms and a screenshot showing the promo code was applied when I opened 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 monetary relief
Consumer complaint received 2023-07-05 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: VA

Complaint narrative:
I disputed inaccuracies to Experian, and they failed to remove an account from my credit file that does not belong to me. I sent a few letters but they were " updated '' with false unverified information. I wrote Experian regarding the account 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 2023-07-05 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: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
This was ran without my consent from XXXX XXXX 's dealership ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
It shows on my report a credit inquired on XX/XX/2022 not authorized or recognized from XXXX For

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I received a bill ostensibly from Pay Pal via my husbands email with a place to enter my pay pal numbers or a credit card and numbers. The bill is for {$670.00} for a 3 yr laptop service plan. I never ordered such a thing. In addition, although i do have an account with pay pal, it is set up to be paid via a credit card. 
This appears to be a scam. 
The billing companys address is listed XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX. The billing company lists their email address as : XXXX The subject line reads : Invoice from PayPal : Authorized Payment to XXXX XXXX The letter was addressed to XXXX @ XXXX It is frustrating and disheartening. So many attempted scams on the internet and so many scam phone calls. We have sometimes received as many as 20 scam phone calls a day. We have also received at least 10 scam emails. 
Growing older is distressing not only because of physical decline, but also because we are perceived of and hunted as prey.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
the credit bureaus are denying years of credit history reporting, the age of the credit is incorrect, they are reporting 4 years and 7 months of credit when it should be around 20 years or more

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 2023-07-05 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: WA

Complaint narrative:
the credit bureaus are denying years of credit history reporting, the age of the credit is incorrect, they are reporting 4 years and 7 months of credit when it should be around 20 years or more

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 2023-07-05 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX, MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXXXXXX XXXX, MT XXXX ; 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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