vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Beginning on XX/XX/XXXX I attempted to file an online dispute with Transunion & got an error message saying " online disputes temporarily unavailable ''. I tried several more times over the subsequent days & then finally called in on XX/XX/XXXX to get assistance from tech support. To date I have received several explanations as to what the cause may be & what can be done to solve the problem, but nothing has changed & frankly the explanations seem made up. For example ; I was told there was a conflict with my online information vs what appeared in my credit report. This doesn't track considering on XX/XX/21 I mailed letters to all 3 bureaus providing all of my information & requesting any erroneous info be removed from my file. Most recently I was told that the issue stemmed from me previously filing a dispute via USPS on XX/XX/XXXX, which is obvious nonsense seeing as the issue started with me not being able to file online nearly a week prior to that date, not to mention I haven't been able to mail anything because I haven't been home. Every time a new excuse is given, I am required to wait days at a time to see if the new fix will work. 2 weeks in & I am still unable to file the dispute online through no fault of my own & mailing in the dispute represents a hardship, as I am an over the XXXX XXXX XXXXr that seldom gets home.

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 2022-04-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act there a accounts attached that

have 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 wit
hout my written consent.

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 2022-04-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act there a accounts attached that have viol

ated 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 wri
tten consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is d

emonstrat ed per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I

need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifia ble evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2022-04-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 2022-04-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : 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 2022-04-14 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: MO

Complaint narrative:
In Accordance with the Fair Credit reporting Act. These companies have violated my rights : *15 usc 1681 secttion 602A States i have the right to privacy.

*15 usc Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX BANK 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 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX, has v

iolated 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to remove serval accounts that are not mine. I am also having problems with my XXXX  sisters accounts posting on my reports 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to remove serval accounts that are not mine. I am also having problems with my XXXX sisters accounts posting on my reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ADP Inc.
State: CT

Complaint narrative:
My Name is XXXX XXXX I work for XXXX at XXXX in XXXX CT, On XXXX XXXX, my paycheck show a garnishment deduction I called ADP on XXXX XXXX to find more information about it I was told that it was a court order when I know for sure that is not one going on, I didn't get any warning about this, I couldn't get any help over the phone so I send an e-mail to the wage garnishment department I got an email back saying that someone will contact me but no one did, in the main time I got another deduction on XX/XX/XXXX, I send a second email on XX/XX/XXXX with all the information about this debt that was resolved and close on a XXXX  XXXX bankrupcy in XX/XX/XXXX, I got an email back saying that they were working on my request and should expect to hear back within one business day, but no one has contact me. On my XX/XX/XXXX paycheck another garnishment deduction was taken what makes total of 5 consecutive deductions. I'm attaching all bankrupcy information as well the emails that i send to ADP ( XXXX 's payroll company ) I'm attaching a letter that I send on XXXX when this collection company try to collect the same debt and was dismiss just with that letter until now. 
I'm also attaching my last paycheck showing the total amount of garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
So I have a BofA Cash reward card and a Travel reward card, had them for couple years now. On XX/XX/2022, I find out my accounts were closed. No reason given, CSR wasn't able to provide me anything but a phone number to Credit dept who's voice mail basically tells me to go XXXX off. 

The problem is, I had over {$60.00} in cash rewards and XXXX points and I requested to the CSR to please credit and send them to me as I still have a checking account open with BofA, just like they what they did after BofA closed another credit card of mine 2 years ago. Unfortunately they can't because of how my account was closed. My account had a XXXX balance when they closed it, similar to my account that was closed 2 years ago. 

So as you can see I feel a bit XXXX off now. Scammed to say the least. 

Anyone know how I can get my cash back given back to me?

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 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 2022-04-14 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T is violating my rights as a consumer by furnishing information that is not accurate and don't have permission to furnish. They do not have permissible purpose pursuant to 15 USC 1681b. They are also displaying a charge off on a paid in full account. The account is paid in full, so it is impossible for it to be a charge off. This implies that BB & T maybe committing fraud because according to the IRS, in order for an account to have charge off status someone would have to file a 1099c. If that's the case, I didn't receive one from BB & T. This is a violation of 15 USC 1681 ( a ) ( 1 ) - Accuracy and Fairness of Credit Reporting. You are also in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) -Reporting information with actual knowledge of errors. I know this to be true because I've personally on two ( 2 ) occasions brought this to your company 's attention. Most recently I went to your XXXX XXXX XXXX and spoke with your Branch Leader XXXX XXXX ( XXXX # XXXX ) who spoke with your charge off department, and they confirmed the account is paid in full so this further proves your negligence. The comments and late days, derogatory status and other violations listed in my attachments and exhibits are also a violation pursuant to 15 USC 1681b, 15 USC 1692d, 15 USC 1681s-3 and others.

The late 30 and 60 days mark are among several violations one of which is 15 USC 1666b which states : A creditor may not treat a payment on a credit card account ( my social ) under an open end consumer credit plan as late for any purpose.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank and Paypal loan account ends in XXXX is charging for an orders I did not place and did not receive. One purported order I was charged {$530.00} and the second was for {$810.00} totalings {$1300.00}. Yesterday someone tried to charge {$80.00} unbeknownst to me. This fraud has to stop, being nothing I agreed to I am unwilling to pay. PayPal/XXXX gave me phone numbers to the supposed seller vendors regarding these fraudulent orders, which I called. I contacted the seller vendors the first one with the amout {$530.00} said no way could we have taken any orders we had a child pass away and can not run any business. The second for the amount {$810.00} agreed to credit my account back they never mailed out any order to me and have no clue what this is about. I need this corrected 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 explanation
Consumer complaint received 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX 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 2022-04-14 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: CA

Complaint narrative:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX 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 2022-04-14 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-14 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to 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 non-monetary relief
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to 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 2022-04-14 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: FL

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

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 2022-04-14 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: Experian Information Solutions Inc.
State: FL

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

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