vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: GA

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. 


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-06-14 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: IL

Complaint narrative:
So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX  account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX  account # : XXXX XXXX ACCOUNT 4 : XXXX XXXX XXXX account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX  account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX account # 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 2023-06-14 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: IL

Complaint narrative:
So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX account # : XXXX XXXX ACCOUNT 4 : XXXX Credit core account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX  account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Hello, I am contacting you, because it shows on my reports that there are some nonfactual negative items on my account. I contacted XXXX and they removed them right away, because they weren't supposed to be there in the first place. I am reaching out asking you to do the same. 

Negative account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Wire Transfer from my XXXX XXXX XXXX  to Bank Of America , N.A ., XXXX XXXX NY for the amount of {$42000.00} for purchase of auto XXXX XXXX, XXXX account # XXXX. 
Transaction date XX/XX/2022. XXXX XXXX fraud called me on XX/XX/2022 an said they put a freeze on the account. Obviously there was no such auto. XXXX XXXX has been trying to resolve this and is getting no feedback at all from Bank Of America, other than case is still open. 
Complaints filled with FTC Report # XXXX XXXX Victim Acct # XXXX XXXX Investigation # 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 2023-06-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive made disputes in XXXX and in the month of XXXX of collections and closed accounts being reported on my report still. They have not been doing a proper investigation. The original creditor have written off the debt on their taxes but I have not been provided with any 1099c form and the agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been making reports on my credit on a debt thats has already been written off on taxes. This is in violation of CRA 15 USC 1681 eb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/20XX/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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I've communicated with Gap several times to have the negative reporting removed from my credit report. This card has been paid and closed since XX/XX/XXXX- they are reporting a 30 day late payment but I have not received any information regarding this nor does it show on my report when I was late. 

When I spoke with Gap in XX/XX/XXXX the representative shared that Gap  will not remove the negative reporting on my credit report which seemed to start the timeline of removal all over.

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 2023-06-14 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: AL

Complaint narrative:
Ive made disputes in XXXX and in the month of XXXX of collections and closed accounts being reported on my report still. They have not been doing a proper investigation. The original creditor have written off the debt on their taxes but I have not been provided with any 1099c form and the agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been making reports on my credit on a debt thats has already been written off on taxes. This is in violation of CRA 15 USC 1681 eb.

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 2023-06-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am having a problem with Equifax. All my collection accounts have been pulled out XXXX XXXX status and was added to charge off account. I send in a dispute to Equifax and I keep getting the same status stating that information is accurate and the accounts are still showing charge off accounts, but each time I put in a dispute it comes back stating the same thing charge off and Equifax is deducting points off my credit score. I am trying to get my credit report straight, but I can not get it straight like this if every time I put in a dispute and they send it back with the same status and deduction from my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: AR

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-06-14 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal was hacked, {$500.00} was taken out of my personal bank account via PayPal. It was filed as a scam, and PayPal refunded me {$500.00}. I shut down the bank account that was hacked, and now PayPal is saying I owe them {$500.00} when I do not. I would like for PayPal to stop harassing me about a refund they put into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Been turned by different companies unable to identify my identity ND fraud alert

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 2023-06-14 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-14 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-14 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: TX

Complaint narrative:
XXXX Account # : XXXX XX/XX/2020 showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, There is a serious problem with Synchrony bank. I had 7 different store cards and credit cards with Synchrony bank. They closed them suddenly in one day. Some of them had small balances and they reported to the credit report them as " settled amount. Please read the info below ; -I have XXXX credit score. Using Synchrony cards everyday since 2016 and pay full balance every month. 
-I never had any late payment with Synchrony or any other bank card, loans etc. Everything is on time. 
-I have a very clear credit report with only % 8 utilization that are always paid in full every month. 

2 days ago I woke up with bunch of emails. Synchrony closed all of my accounts for nothing. Called customer service and they were even confused why it is happened.

Amazon store card {$590.00} balance of {$20000.00} limit. 

Paypal Mastercard {$350.00} balance of {$20000.00} limit. 

XXXX XXXX {$1.00} balance of {$10.00} limit Synchrony car care {$1400.00} balance of {$10.00} limit XXXX XXXX XXXX {$0.00} balance of {$3500.00} limit Paypal credit $ XXXX of {$5000.00} limit XXXX card {$1200.00} balance of {$6000.00} limit ( They approved this card 2 days before closing all the accounts ) Now serious problem starts here ; Cards with balances reported to my credit reports as ''settled amount '' I've got an email from XXXX XXXX XXXX says ; " It looks like you settled an account with a lender. When you settle an account, you negotiate a lump-sum payment with your lender to pay back part of what you owe so that the rest is forgiven. '' For those balances statement not even closed yet. I did not even get the statements to pay the balances.

-I never wanted to close the accounts.

-I never attempted to not pay the balances or never attempted to negotiate for settlement. 

I always pay the full amount after they send me the statement. 

I really need an assist with this situation since it damaged my credit score so bad. I'm in the middle of renting a house and I can't right now. 
I've never ever experienced anything like this before. 

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 2023-06-14 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
A fraudulent {$9300.00} dollar purchase was made by a merchant named XXXX XXXX in XXXX XXXX  IL on the date of XX/XX/2023. I filled a claim through my navy federal account stating that my debt card had been lost and was not in my possession during the transaction period I had no knowledge nor notification about the purchase. With a purchase that large there should have been some type of verification from the purchase such as i.d . or pin number requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is over 7 years old. They had a duplicate account and one fell off, They refused to take the other account off. I disputed this account about a week ago and they took off paid collection status when I let the credit bureau know that the date of last activity is incorrect.

Company response to consumer: Closed with explanation