vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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 Account # 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 2023-08-30 00:00:00
Product: Credit reporting 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 Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: MO

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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:
To whom it may concern, You are reporting this collection Account name : National Credit Systems Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite XXXX XXXX complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

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 XXXX, 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I have contacted early warning services for months and still they have not deleted the fraud bank accounts that were open up in my name XXXX XXXX XXXX, XXXX XXXX and all the XXXX XXXX and XXXX XXXX  accounts all are fraud. I have sent police reports several times the banks did not do a fully investigation. I have included new evidence signatures in front of notary and a new police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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:
Experian has been reporting a charge off on my credit report which has an adverse affect on my life because it is making it difficult for me to acquire future credit. XXXX and XXXX has removed the account from the report but Experian hasn't complied. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their graveresponsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX is a financial institution by definition under that title. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. XXXX  XXXX is a financial institution by definition under that title.

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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid ( XXXX XXXX XXXX {$3000.00}, XXXX XXXX - original debt {$1500.00}, settled for {$1200.00}, XXXX - paid to lawyers office XXXX XXXX XXXXXXXX with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and the bureaus with XXXX XXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX original debt {$480.00} settled for {$440.00}.

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 2023-08-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00}

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I initiated a dispute on or about XX/XX/2023 after having been overcharged by a merchant for a transaction taking place XX/XX/2023. 

Goldman Sachs closed the dispute in the merchants favor and stated that I could be mailed evidence on behalf of the Merchant which had been shared with Goldman Sachs. 

I reopened the dispute and waited to receive the merchant 's evidence ( mailed by Goldman Sachs ). I received the merchant 's evidence which effectively proved my case, as the Merchant 's evidence showed a very different subtotal than the subtotal which was presented to me, the customer ( I had shared an image of the original receipt with Goldman Sachs at the start of the dispute process ). 

Despite clear evidence that the merchant improperly inflated the subtotal of the transaction during its final processing, Goldman Sachs closed the dispute once again in the merchant 's favor. I have since reopened the dispute for a third time ( on XX/XX/2023 ), after having notified Goldman Sachs that I would file both FTC and CFPB complaints due to their failure to correctly uphold the dispute in my favor after having been shown conclusive evidence of the merchant 's treachery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: AR

Complaint narrative:
I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths that the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease collection of this alleged dept which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through US mail. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XXXX of XXXX, my auto-draft function did not go through by no fault of my own. I spoke with someone at the time who called to collect, I explained the situation, she informed me that it had already reported delinquent. I escalated the issue, created a ticket, spoke with someone in IT whos acknowledged error. However, they insisted that I was legitimately late. I disputed the negative report twice ( I believe ) with the bureaus, and Regions claimed no error occurred and I continued to be reported as late. Today, XX/XX/XXXX, I received a letter from Regions Bank with a check for {$41.00} and an explanation that between XXXX, they have determined that their recurring payment system did not work as expected and failed to make a payment to my card as I have requested on one/more than one occasion. I paid dearly for this error as it hindered my ability to refinance my mortgage at a time of divorce and I have more than paid an unfair price for credit due to the near XXXX points dropped in my credit score. I just checked my report today and it STILL reflects 30 days late despite their acknowledgement of their fault. I want it fixed on my credit immediately and I want paid more than the {$41.00} they think they owe me for denying my dispute on more than one occasion then claiming responsibility 6 years later.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To whom it may concern, I am writing to dispute the following issues with my Bank of America credit cards : * The Bank of America Cash Rewards Credit Card has charged me excessive junk fees, which is illegal. 
* The Bank of America Travel Rewards Credit Card is reporting a missed payment on my credit report, even though I never missed a payment and the account is closed. 
I have never missed a payment on either of these credit cards. I have always paid my bills on time and in full. I have also never received any notice from Bank of America about any late payments. 
I believe that Bank of America is violating my consumer rights by charging me excessive junk fees and by reporting a missed payment on my credit report when I never missed a payment. 
The following consumer laws and codes protect me from these practices : * The Truth in Lending Act ( TILA ) prohibits creditors from charging excessive fees on credit cards. 
* The Fair Credit Reporting Act ( FCRA ) prohibits creditors from reporting inaccurate or incomplete information on your credit report. 
* The Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive financial practices.

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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid ( XXXX XXXX  XXXX  {$3000.00}, XXXX XXXX - original debt {$1500.00}, settled for {$1200.00}, XXXX - paid to lawyers office XXXXXXXX XXXX XXXXXXXX with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and the bureaus with XXXX XXXXXXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX original debt {$480.00} settled for {$440.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
Multiple things are wrong with the consumer report that was requested. Such as addresses that were reported as living when I was not or addresses that were completely wrong. Phone records have addresses that are reported incorrectly. Accidents that were found to be not at fault by the insurance company are labeled at fault. Claims that were never made show up. A ticket that is over 5 years old is still reported on my account. There should be no inquiries from XXXX XXXX on my account but there are multiple. Insurance premiums went up because of late payments on accounts and the report shows that none of my accounts have been paid late. There is a formerly known as which is not a name/person I know or have ever used. My current job is listed as a former job with no monthly income. Insurance that is no longer in effect is listed as in effect. Insurance that I have never used is listed as it has been used at one point or another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$640.00}

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 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: IN

Complaint narrative:
Hello, I was in need of additional financial assistance so I took out a personal loan. What I was not aware of is lendly.com is just another predatory lending company. I was given a loan for {$2000.00} but when it is paid off this company is going to receive {$7100.00} with an interest of 184.49 %. It felt initially like I was being helped with this company, but now I am in a debt trap. I've asked to refinance to try to get a lower rate, but was denied that option. A loan company getting everything they loaned you plus almost triple of what they loaned you should be illegal. Can you assist in getting this interest lowered or if this is illegal can we get this loan closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 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