vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: FL

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. 


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 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 : It also states a consumer reporting agency can not furnish an 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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX, I went to my local Chase Bank to open a First Checking account for my son. The gentleman told me I needed to open the account online, which I proceeded to do while in his office. He told me that the opening deposit had to be a transfer from my account into my sons, but that going forward my son could deposit funds at a chase location. I tried to fund the account online while at the location, but it told me there were issues and to try later, I told the gentleman, and he told me there must be an issue with their system. I tried to fund the account on Sunday, only to be unsuccessful. I called Chase and was told that I was the only one who could fund my child 's account and since there were technical difficulties all they could do was issue me a ticket number to have the issue resolved. So, because they had IT issues, there was no way for them to even make the transfer for me to fund the account. NO ONE can add funds to the account except me ONLINE. They told me it would be resolved within 48 hours. They also told me that I was incorrectly informed at the chase location and that the only way to EVER fund the account was through a transfer. FIVE days later, I still can not put funds in the First Checking for my son. I have received the debit card, but my child can't use it because of the internal issues with the account. I called and checked on my ticket today and was told it was still open and that someone should call me soon. It's pretty deceptive to advertise an account on their website that can't be funded and knowingly has internal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: IN

Complaint narrative:
I have attached the original dispute to Experian submitted on XX/XX/XXXX. I have also attached a Method of Verification request.

Experian is not taking investigations seriously. Experian is not deleting addresses which I have never heard of before, after telling them I have never heard of them and have no idea where they came from.

FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. This information is more than reasonably available yet has never been provided to me. In fact, Experian sent me a XXXX " method of investigation '' email prior to the commencement of my disputes, so how could a reasonable investigation into my sensitive credit data take place?

Experian also claims to have verified a bankruptcy on my credit report. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The XXXX  Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX. Furthermore, the U.S. XXXX  court does NOT verify consumer data, and does not make sensitive data public in any filings. Therefore, they have lied to me in saying they verified a XXXX  
Experian did not conduct a reasonable investigation. Therefore, unless I receive verifiable proof that documents were shared and a live person at each creditor was spoken to, each account must be deleted. Each address that does NOT belong to me must be deleted.

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 2023-05-12 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 received a copy of my credit report XX/XX/2023, disputes investigation updated XX/XX/2023 & again XX/XX/2023 updated report after disputes investigation again with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Discharged bankruptcy & all accts included should state discharged through bankruptcy.letter attached.

Discharged bankruptcy Accts/Paid Account/Late Payments : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX # XXXX XXXX  XXXX # XXXX # XXXX # XXXXXXXX XXXX XXXX  acct # XXXX ( closed ) XXXX  XXXX XXXX XXXX ( in forbearance-good standing older loans transferred to this new student loan service company/ older XXXX XXXX acct was paid in full due to this consolidation with XXXX  ). 
XXXX ( closed acct ) Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed/closed if account open should be closed.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the re-investigation outcome to be sent to my address.

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 2023-05-12 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: PA

Complaint narrative:
So, TransUnion sent me a letter yesterday XX/XX/XXXX, stating that all the accounts I questioned about on my credit profile are verified as accurate, when I know 100 percent, they do not belong to me. After trying to get a copy of my credit report from their website, I noticed that I am unable to get this. Not the first time this has happened. I chose the option to speak with someone from chat to find out why I couldn't see my report. Come to find out, the operator XXXX informed me, that my son and i have mixed credit profiles. I have told TransUnion this many times before, and they have continued to tell me everything is accurate and verified! Never have they did the investigation that was asked of them, never provided any information on how these items have been verified, and 100 percent lied to about the question items on my credit report. My son and I both have the same first and last name, and same birth month. Which easily explains how they could have gotten combined and mixed up. All I ever asked was for them to correct this and remove these items. I have attached the conversation from this morning with TransUnion rep XXXX. He made the mistake of admitting that my son and I have combined profiles and deleted the part that he said that was the reason I can't access my profile. I asked about it a few times and also says that if I call in, TransUnion will remove the mixed files. Simple enough! I want to make sure they get removed by posting this here. I don't mean to get XXXX in trouble but I cant continue to have my credit destroyed because of TransUnion. 


Before I escalate this even further, please remove the following accounts and hard inquiries from my credit report IMMEDIATELY! Send me an updated credit report with these items removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
In accord with the fair Credit reporting act XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction

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 2023-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accord with the fair Credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING act. 

By reporting the account below you have violated my federlly protected consumer rights to privacy and confidentiality and by reporting LATE PAYMENTS WHICH IS CONSIDERED TRANSACTIONS on my credit report XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 2 it also states a cunsumer reporting agency can not furnish account without my written instruction 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 then 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.

UNDER 15 USC 1681 section 602 A.

States I have the right to privacy UNDER 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 consent UNDER 15 U.S.C 1666b a creditor may not treat a late payment on a credit card account under a open end consumer credit plan as late for any reason UNDER 15 USC 1681a Paragraph ( 2 ) Exclusions.the term consumer report DOES NOT INCLUDE ANY!!!!!!

( i ) report containing information solely as to transactions or experiences between the consumer WHAT DO TRANSACTIONS MEAN?

A bank transaction is any money that moves in or out of your bank account. Types of bank transactions include cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments.

( 1 ) REMOVE ALL NEGATIVE ACCOUNTS ( 2 ) REMOVE LATE PAYMENTS OFF MY CREDIT REPORT AT ONce

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 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We took out a loan with XXXX. They had BMO issue the loan. 

The names on the profile and the loan account are different, and we are having a hard time accessing all the information about the loan. 

I am uneasy about paying the loan amount into an account I have no access to. 

Calls with BMO : XX/XX/23 - XXXX - 1 hr 31 min XX/XX/23 - XXXX - 18 min XX/XX/23 - XXXX - 57 min XX/XX/23 - XXXX - 1 hr 13 min XX/XX/23 - XXXX - 12 min XX/XX/23 - XXXX - 14 min At one point XXXX from the Resolution Team told me that she will look into it and give me a callback. No callback was received.

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Payment was sent as usual. Last month it took only 3 days for payment to clear after mailing. This time it took over a week with payment posting one day after due date triggering fees. I always pay before due. XXXX refused to adjust for the delay in posting my payment. I disputed the fees and requested an appeal. They stated they had a right to charge the fees. I disputed their timeliness of posting my payment. We are at an impass and they continue to add fees every month now totaling {$160.00} Ive been a card holder for approximately 30 years with the bank administering the card card changing several times. XXXX by Goldman Sachs has to be the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I filed complaints # XXXX and XXXX on XX/XX/2022, since I couldn't view my credit score in my XXXX XXXX XXXX application . And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore.

Thanks!

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 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
This company recently added a collections account on my credit report on XX/XX/23. This company has sent many text messages. I ignored them because I get a lot of spam texts and calls. The last text I have is from XX/XX/23. They called me one day mentioned a debt that I have never heard of or had. I advised them this and I thought it was over. Now this is on my credit report. Also, I am under bankruptcy so them contacting for a debt, even though the debt is not mines, is illegal. I want this off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The best service company keeps adding interest to a collection account for a closed XXXX account. After speaking with the branch XXXX from the bank the XXXX account was issued by, I was told the balance should not be going up period

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 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXXs database was compromised and I had {$83.00} dollars stolen from my account by a XXXX XXXX $ XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXXXXXXXXXX XXXX customer service has yet to respond to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 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 an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.

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 2023-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear CFPB, I opened the small business checking account as Sole proprietor under my SSN with Truist bank. Prior to the account opening, I have existing business checking accounts with the bank as following : XXXX under EIN, and Sole proprietor under another EIN. Each account is separated entity. 

I was denied for their promotion with the reason as : " The Business Employer Identification Number or Taxpayer Identification Number is linked to an existing Truist business checking account and is not eligible to participate in this promotion. '' I have not had a business account with Truist with the same Tax Identification Number or EIN before. Thus, this is very difficult for me to understand their denial reason. Per their term and condition for the promotion : " You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a Truist business checking account within 180 days prior to the promotion start date ( on or after XX/XX/2022 ), with the same Taxpayer Identification Number ( TIN ), including but not limited to an Employer Identification Number ( EIN ). ''

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