vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 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: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts has violated my rights XXXX XXXXXXXX rec # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe 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 2022-06-11 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: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts has violated my rights XXXX  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 XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXt XXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i received a text message saying your bank account ending in XXXX will be credited by manual XXXX  transfer kindly corporate with the accounts team in order to start the verification procedd reply with your name and billing address i thinking because they knew the last 4 digits of my account number the text was legit they stated i will be getting a credit from XXXX XXXX from XXXX in the amount of XXXX they requested me to do a demo transaction of XXXX  to XXXX using XXXX  they then said your account is suspended they also gave a name of XXXX XXXX address XXXX XXXX XXXX XXXX fl XXXX account XXXX routing number XXXX he insisted the only way i would receive the money back was to cooporate with them

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 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy Account # 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 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX I have paid the debt and the debt collections refuse to remove this negative remark off my credit report the amount is paid in full. XXXX XX/XX/XXXX is saying I owe XXXX $ I have not put any services in my name.XXXX XXXX XXXXXX/XX/XXXX is asking me to pay XXXX $ I have not put any services in my name. XXXX XXXX XXXX XXXXXX/XX/XXXX is asking me for XXXX $ I moved and had no idea someone was using services in my name.

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 2022-06-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account, # XXXX XXXX. XXXX XXXX XXXX account, # XXXX XXXX. DEPT OF ED/XXXX  account, # XXXX XXXX. XXXX XXXX account, # XXXX XXXX. XXXX  XXXX XXXX account, # XXXX XXXXXXXX XXXX XXXX XXXX account, # 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 2022-06-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account, # XXXX XXXX. XXXX XXXX XXXX account, # XXXX XXXX. DEPT OF ED/XXXX  account, # XXXX XXXX. XXXX XXXX account, # XXXX XXXX. XXXX  XXXX XXXX account, # XXXX XXXX XXXX XXXX XXXX  account, # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tried repeatedly to get acccess to my credit report. All attempts have failed. The system does not recognize my user name, so I have it send it to my email. I then copy and paste it to avoid typos. The system says that is not my user name. I try my email. The system does not recognize it, although Experian sends me emails EVERY DAY. I try to change my pasword. Sometimes, I can, and then when I log in using that password, the system says it is wrong. I try calling. There is no way to reach a person. I finally got through to someone using the XXXX messages. She was unable to help She said it was forwarded to tech. They have failed to contact me. I am now blocked from commenting on their website. I see that many people are having this problem. It is a vey good way to make sure that people can not file disputes. In a previous complaint, Experian said they were sending the report. They did not. They lied to you. A paper copy of my report does not help if I can not get into the system to check my report and file disputes.I want access to my account. I want a phone number to call a person and not go through a lengthy process to get past a robot that fails to understand what I am saying. They have made contacting them IMPOSSIBLE.

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 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy Account # 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
Consumer complaint received 2022-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance closed my account On XXXX, we reported the account as paid in full ( voluntary surrender ), and the closed date of XX/XX/XXXX. The closed date that the company is reporting to the bureaus is re-aging the account because the original delinquency date was in XXXX. I appreciate Credit Acceptance for closed the account but they should not be re-aging the account because I made no payment to them. They agreed to close the account not no re-age 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 explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of check fraud by mail. I mailed out XXXX XXXX property tax ( {$2600.00} ) on XX/XX/22 at post office. A vandal erased my check paid to the country tax assessor to their name XXXX XXXX, erased my signature and forged my signature. 

Unknown person cashed check on XX/XX/22. I was not aware since check number and amount is correct to the amount written to XXXX XXXX tax assessor. Vandals signature was not matching my signature on file. He is also chase bank customer. Bank has all his information on file. 
I noticed this fraud after I received a delinquent tax notice on XX/XX/22. I reported to Chase ( XXXX ) claim # XXXX immediately. XXXX Police ( XXXX ) report ID XXXX. Postal inspector police ( XXXX ) service # XXXX. 

The bank stated it was possible no refund since passed 30 days. I did report immediacy .They stated they usually did not check matching signature if deposit via ATM since so many checks every day. They only check signature if walk in. Why it is a different policy? 
The bank did not alert me and flag account for fraud even thought the signature is not a match. I feel my bank should protect me since I trust Chase bank and put all my money with Chase. This is my only one problem transaction I have ever experienced while being with Chase. I will not mail checks anymore as there are other safer options available to the consumer. Chase bank should ensure a safe and sound federal banking system for all customer. 
Please help me call chase bank at XXXX case number XXXX to refund me the money I lost to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX my fiancee was scammed into believing he was getting a loan for {$870.00} which was put into his account and he had pulled only {$220.00} out of said laon, which into his knowledge it was a scam and within less than 5hrs Wells Fargo Bank put a hard hold on his account and would not let him take anymore funds out but would not explain anything to him. They just shut down his account which is where his SSI is deposited too. Now they are not even giving him the chance to explain the situation they just severed all relationship with him without even letting him file anything because they assume that it was his doing which I have all the evidence on my phone showing he was scammed and they were trying to do it to me as well.

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 2022-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt collector despite several communications pertaining to information pertaining to the dept has continued to call prior to XXXX and after XXXX on weekdays, including calls during the weekend. Have advised them of the violation numerous times and they continue to do so. I have spoken to manager pertaining to this, and they blatantly do not care. Debt is pass the statue of my state, I have advised them I am unemployed and asked for the validity of the debt they refuse to provide with my signature, as well as have harrassed me in my life calling people i am assosicated with including social media but worse when they harrass me outside of their operating hours and law includiung the weekend incliding today XX/XX/11 @ XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE & WEINER violated my right on XX/XX/2022 I recently got a message on my XXXX XXXX and XXXX credit report that I had a collection account CAINE & WEINER. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State XXXX CAINE & WEINER Opened XXXX XXXX, XXXX  Account number unknown Balance {$490.00} on XX/XX/2022 Original balance {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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:
I received an update to my credit report on XX/XX/XXXX and my account is still inaccurate. Ive requested for this account to be deleted due to years of incorrect reporting and damages. Every detail of this account was inaccurate, but yet you considered to state this is a validated account? Removing information that I advised you was incorrect from a previous dispute and still not reporting accuracy is still a violation of ( FCRA.-Per 15 USC 6802 & 1681 A ) ( B ) ( C ) & 15 USC 1602 ( L ) ) and re-aging. After the dispute your company has now removed information that you had inaccurate with blank information but is still reporting and account paid in XX/XX/XXXX and a collection marked in XX/XX/XXXX with no history of late payments, which we know that an account cant be a collection without history. This account was never a collection account. Also, the delinquency dates can not be missing and is illegal because of Re-Aging. and again is against the law. There is no evidence of this account ever being a collection account. 
You received a written demand for this account to be deleted due continuous negligence in accuracy and damages. Please keep in mind that I have reports of where this has been incorrectly being reported on my report for years that has caused affect to my pursuit of happiness which is prohibited by law. I have asked you to delete this account not remove inaccurate information... but to remove the account as an entirety because the entire account is erroneous and has caused damages to my pursuit of happiness. Accuracy is detrimental and this need to be removed. 

Attached is the account before the dispute and the account after the dispute.

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 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am writing this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft. I demand that you remove the items listed to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given this information to you, please correct my file or I shall proceed with getting my attorney involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: WA

Complaint narrative:
I had a secured card that I aid XXXX. In XXXX I asked for the card to be closed it was almost closed to XXXX. It never closed and since then they have charged XXXX in interest and late fees. We only new when they said me a letter in the mail last month. I called last month lady stated she would send my information to a supervisor no call and more interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these servicesXXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
In accordance with Fair Credit Reporting act Santander Consumer USA account number 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: NY

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 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. 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