vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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:
I sent a letter on XX/XX/2022 to Transunion. My tracking number XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a-Definitions ; rule of construction.

The term " investigate consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations.

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the 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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
XXXXAspire XX/XX/XXXX inquiry XX/XX/XXXX removal another inquiry on XX/XX/XXXX removal date on XX/XX/XXXX same company with XXXX inquiries and removal dates XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


XXXXXXXX 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 2023-01-09 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: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/22 I received a declination notice in the mail from Bank of America. I called them and reported that I had not applied for anything from Bank of America. They said to contact XXXX of the XXXX XXXX I contacted XXXX. They put a fraud alert on my report and I ordered a credit report. When I received the credit report I again called XXXX. they said to report the fraud to local law enforcement or FTC. I am reporting to FTC. They also told me to call Bank of America again. I did and Bank of America told me it was a cash credit line of {$2800.00}. They of course closed the account with the reason why. I spoke with XXXX in the fraud dept and he is sending some info to me. Again, I did not apply for anything with Bank of America and have never held any type of account with them. Also the letter Bank of America sent had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX address up in the corner. I have never had any dealings with them 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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: OH

Complaint narrative:
Direct Express card is where I have my XXXX benefits direct deposit onto. They issued new cards starting with a different XXXX digit number, XXXX, and closed the Department that handles the old card starting with XXXX. It also closed the old card where I can not get the remaining XXXX payment balance. The company tells you to call the number on the back of the card but since the Department is closed the number doesn't work. 
I called the number on the back of the new card and they tell me they can't help me and that's where I'm at, can't use my remaining balance of my XXXX  benefit payment on the old card and no one will help at Direct Express

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: MS

Complaint narrative:
Experian is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.

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 2023-01-09 00:00:00
Product: Credit card or prepaid 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I disputed these charges as fraud and they are reporting this balance to the credit reporting companies and asking me pay on this every mi th claiming they are investigating but this has been since XXXX thr charges and they are moving very slow if not at all. There needs to be some resolution but they will not provide any when I call or write so here is a formal complaint to see if they will adhere to the consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was the victim of an internet scam. I had sent an email inquiry about a boat listed for sale on XXXX XXXX. I received an email from a guy named XXXX XXXX claiming to the seller. He stated he was selling the boat through a broker service named XXXX XXXX XXXX. There was a link to website and it looked like a legitimate company. I agreed to buy the boat and followed the payment instructions for a bank wire transfer which was sent on XX/XX/XXXX. When the boat didnt arrive as scheduled I called the number listed on the website and an agent told me I would be receiving an email within 5 minutes updating the status of my order. I got an email and it stated there was a minor accident and that the boat would be delivered the next day which was Friday XX/XX/XXXX. When the boat didnt arrive the next day I started having a bad feeling and I went online and found a XXXX  complaint that was identical to my experience. I called the bank immediately and the agent with the fraud claims department said I would need to go to a XXXX XXXX brach since I done the wire transfer in person at a branch. When I arrived at the bank on Friday at XXXX it felt like everyone was reluctant to assist me. A banker did call the fraud department and I explained the situation again and was told the same thing. I told the agent that I was at a XXXX XXXX branch using their phone. I set the phone down and found a banker to take the call. XXXX XXXX helped me after talking to the agent on the phone. She did a XXXX wire transfer reversal and gave me a case number. The money was sent to a JP Chase Morgan bank account and as it turns out my boat partner XXXX XXXX has a bank account with Chase bank. She had given me half the money for the boat purchase by depositing a check into my account the day before I did the transfer. On Saturday XX/XX/XXXX she went to Chase bank to make complaint because the bank was allowing scammers to use Chase bank. The agent she spoke with said that Chase was aware of the issue with account as of 4 days prior to her visit. XXXX called me on XX/XX/XXXX and said they were still waiting for a response from Chase bank about the reversal. I received a letter from XXXX XXXX dated XX/XX/XXXX that I didnt receive until XX/XX/XXXX that I would not get a refund as Chase would not return the money and the inquiry was considered closed. I called XXXX today XX/XX/XXXX because I missed a call from her last Friday. She said they had made several attempts to reverse the response. I also called the fraud department to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have ALL 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 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have ALL 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 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 2023-01-09 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hi. Thanks for your help. I've had a problem with XXXX reporting usage of my credit card with them for over a year. Yet when I call the company there is a remaining zero balance, no usage in several years and they told me in approx XX/XX/2022 they would correct the issue when it showed a 20 % usage and now the XXXX report I received today shows usage of over 50 % with a balance of over {$1000.00}! I don't have excact date I contacted them but can get the info if needed. I'm going to close the acct all together because this keeps happening.

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 2023-01-09 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:
I did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request lying saying they didn't get mail and continue to Violate me under US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate 15 U.S Code 1681e ( b ) - Compliance procedures maximum possible accuracy and clearly several inaccuracies Delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Violation : name and address not 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 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 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 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 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 2023-01-09 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: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 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 2023-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX AND EXPERIAN FAILED TO SEND AN UPDATE AFTER MORE THAN 30 DAYS. I SENT LETTERS ON XX/XX/22 INFORMING THEM OF UNAUTHORIZED INQUIRIES AND THEY IGNORED MY LETTERS AND CONTINUED TO REPORT THE INQUIRIES. I HAVE FILED A FTC COMPLAINT BECAUSE THESE WERE NOT AUTHORIZED BY ME. I WILL ATTACH THE LETTER AND FTC COMPLAINT. DELETE THE INQUIRIES THAT ARE LISTED IN THE LETTER FOR INACCURATE REPORTING AND BECAUSE YOU HAVE FAILED TO REPLY IN THE TIME ALOTTED. THE LETTERS WILL BE DATED AND TIME STAMPED FOR YOUR REFERENCE.

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 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: MD

Complaint narrative:
Nation Wide Recovery Sy, has reported damaging information about my credit to XXXX Credit Report Agency, for the second time, with the intention to damage my credit history, and my credit score. I've already disputed them twice. In conclusion, I've contacted and spoken to XXXX XXXX XXXX XXXX, XXXX, and to XXXX XXXX XXXX XXXXXXXX, Washington , D.C., and they both stated to me, that my medical insurance paid them in full, starting in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
been ordering brand new XXXX XXXX XXXX for my XXXX XXXX for 15+ years without any issues within the last 8-10 months the have stopped ordering them and claim they are unable to get them. I called the Fed Reserve in XXXX and were told new ones are available and to seek this route to resolve my problem. The reason it is such a problem is without the new bills the dispenser is constantly getting jammed. this leads to upset customers and frustrated employees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have a XXXX XXXX XXXX XXXX that is reporting my account is 30+ days late on the three credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XXXX XXXX XXXX XXXX XXXX  has thru caused my credit score to drop over 50 points due to their error. I have requested this matter to be properly updated and still nothing.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.

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