vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
A credit report shows late over seven times. I was always on time. It was there processing and posting and accounting

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
A credit report shows late over seven times. I was always on time. It was there processing and posting and accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 sec

tion 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 2023-04-03 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
After refusing to assist me multiple open issues ( Agents threatening me, fraudulent charges, unknown deposits ) US Bank closed my accoutn in lieu of resolving the open 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 monetary relief
Consumer complaint received 2023-04-03 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: V and H Portfolio
State: NY

Complaint narrative:
Submitted dispute with XXXX, XXXX, XXXX on XX/XX/2023 to remove collections account Vance and Hoffman LLC. It is reporting inaccurate information to all 3 bureaus. I do not possess any credit accounts with them or any company associated with company. Credit bureaus failed to properly investigate dispute and remove invalid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: GA

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-03 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: GA

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX XXXX, XXXX  I have made a purchase with XXXX for a total of $ XXXX. 
The transaction moved from XXXX to Paypal to my credit card XXXX Canada. 
I canceled the purchase within 48 hours which meant I was meant to receive a 100 % of the money. I canceled directly with XXXX. 

I saw a charge reversal on my credit card except for an amount of $ XXXX so I discputed it with my credit card company. I received a refund and with that it should have been done. 

A few months later Paypal took money from my account for around {$600.00} CAD ( I no longer have access so I don't know the exact amount ), because they claimed that I received 2 refunds for that total amount. 

I continued by sending them proof of credit card details showing I never received more than a cancellation reversal. 

They haven't accepted it, and never showed me proof that they have sent money to my financial institute like they claimed. They not only took a paycheck from me, they also froze my account and sent the left over to collection which is hurting my credit score. 

I have sent them 2 proofs showing that I have never received more money. It has been almost a year and Paypal have never gave me support as a client, and have made it extremely difficult to escalate and find a solution. 

I would appreciate support on this. I know my accounts are Canadian, but Paypal is an American company, and I am not sure who else can help me with this. 

Thank you for any support you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX Bank of America in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a BOA credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called BOA and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the BOA credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( XXXX, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a BOA Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. Bank of America still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.

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 2023-04-03 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: KS

Complaint narrative:
On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX XXXX XXXX XXXXXXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX  credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( experian, equifax, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX  XXXX XXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: MO

Complaint narrative:
I have been registered as a delivery driver on XXXX since XXXXNow XXXX is doing an annual background check on me through checkr. 
Background check company checkr says it can't complete my SSN trace, that kept my background check from being completed. 
I contacted support via the checkr website and they replied that I needed to contact XXXX and wouldn't tell me exactly why my SSN trace couldn't be completed, He also said that he would not accept my direct submission of relevant information, Just a simple reply to me to communicate with XXXX. 
I contacted the support staff through the XXXX app and got the answer is : After providing you with an opportunity to correct your SSN information in the Checkr Candidate portal, Checkr remains unable to process your background check due to problems with the SSN you have supplied in your XXXX account.Because we can not obtain a complete background check, we are unable to partner with you.So my XXXX account has been inaccessible since XXXX XXXX contacted checkr and XXXX many times about this and got the same answer every time. 
I personally went to the Social Security administration to verify my SSN twice and they told me in no uncertain terms that there was nothing wrong with my SSN, So I don't know why checkr can't complete my SSN trace.No one told me why. 
I haven't been able to work for nearly a month now.I need to solve the problem as soon as possible, which has brought trouble to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital one closed my account for a none valid reason and did not give notice before closure. Once closed account still gained interest. Account was not authorized to be closed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: I.C. System, Inc.
State: CA

Complaint narrative:
IC system has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.

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 2023-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Bank of America Account XXXX : XXXX There is inconsistencies with the closing dates and charge off dates being reported on my credit report. I have already sent a letter of verification to XXXX to verify/validate a debt/charge off on my credit report. They sent back a letter to say that everything is already verified. However, my credit report is still showing inaccuracies. U.S.C. Sec.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 2023-04-03 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: CA

Complaint narrative:
Regarding Equifax ... It is EQUIFAX 'S duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 7 inaccurate accounts on my report/file. 

( 1 ) XXXXXXXX XXXX XXXX  Acct ending XXXX ... .... {$3000.00} ( 2 XXXX XXXX XXXX Acct ending XXXX ... ... ... {$4100.00} ( 3 ) XXXX XXXX Acct ending XXXX ... ... .. {$9900.00} ( 4 ) XXXX XXXX XXXX Acct XXXX XXXX ... ... .. {$4200.00} ( 5 ) XXXX XXXXXXXX XXXX Acct ending XXXX ... ... .. {$15000.00} ( XXXX ) XXXX XXXX XXXX Acct ending XXXX ... ... .. {$11000.00} ( 7 ) XXXX XXXX Acct ending XXXX ... ... .. {$5700.00} Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Equifax written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Capital one has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  XXXX  has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CA

Complaint narrative:
I am run my credit last month and I found one account I don't have any relation with it I believe this is a fraud or Identity theft and I help with this fraudulent account remove from my credit report.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CO

Complaint narrative:
I am writing to express my disappointment and frustration with the recent handling of my account with XXXX XXXX, in XXXX Colorado. My final bill was due on XX/XX/2023. I had originally owed XXXX dollars and some change and it climbed to XXXX dollars and some change. I was still willing to pay that amount. I made several attempts to pay the bill through their website portal, but I was unable to find any option to make the payment while charges continued accruing. 

Despite my efforts to pay the bill, I was shocked to receive a notice from a collections agency on XX/XX/2023, stating that i now owed their company XXXX dollars. I was never given an opportunity to address the outstanding balance or dispute any charges. I never received email, mail, or phone communications in order to collect the final bill either. I was immediately sent to collections, which has caused undue stress and inconvenience. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation