vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: CA

Complaint narrative:
I previously submitted the below complaint re : TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX corrected it & TransUnion has not. I need them to correct it as well. Here is the complaint : I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent ( XXXX XXXX, a XXXX XXXX ) erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XX/XX/2020 In XX/XX/2020, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX by phone, I was made aware of the error In XXXX of XXXX, I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/2020. This resulted in a XXXX point credit score drop across all 3 reporting agencies. Since then, I have been in telephone contact with XXXX disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX, XXXX XXXX TransUnion, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.

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 2022-05-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-05-24 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: AR Resources, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 — Was not notified of investigation status or results
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
The account was reported past due in XX/XX/XXXX and it was reported to the credit bureaus that I have a missed payment. I spoke to their customer service dept as this was an autopay set to pay minimum each month. It was determined after to speaking to their support that the program they use to link bank accounts migrated incorrect information into their app resulting in several declined payments that I was not aware of. Once the issue was fixed the balance was paid in full. I asked support to note the account to remove missed payment as this was not my fault. I submitted disputes through XXXX and XXXX with no resolution. I filed a complaint directly to creditor and have not received any updates. The missed payment remains and I dont feel I should be penalized for 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 explanation
Consumer complaint received 2022-05-24 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 XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2022-05-24 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 XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2022-05-24 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I disputed a Gold necklace Chain I ordered from Macy 's fine jewelry in XX/XX/2021. Months of outgoing investigation unsure if package been located. I called XXXX and USPS as directed by Macy 's credit card team representative. I also inquire USPS carrier who informed packages of that price range are to be picked up at local office. Visited local office no package with my name in facility. Macy's/ XXXX XXXX continue to hold me responsible for something that I never 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 explanation
Consumer complaint received 2022-05-24 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) Inquiries are not mine. Please remove from my credit profile.

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 2022-05-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I contacted Citi on XX/XX/2022 to inform them of a fraudulent transaction on my credit card statement. They asked me to fax a copy of the charge and highlight it, so I faxed the information over to them on the same day. After waiting serval weeks, I got a letter stating that they would not refund the fraud charge on XXXX/XXXX/2022. 


The amount of the transaction was {$6400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : 1 ) XXXX {$660.00} date : XX/XX/2022 2 ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} date:XXXX 3 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) {$740.00} XXXX 4 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} date:XXXX 5 ) XXXX  {$6500.00} dateXXXX

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 2022-05-24 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 XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WV

Complaint narrative:
Discover accidentally generated a XXXX $ recurring monthly charge to my account. By the time they caught up to it, XXXX $!? I kept phoning in and finally got it fixed. Recently somebody went behind me and RE OPENED the issue referring it to collections and destroying my credit score. My credit should be clear. I was hoping I could get some assistance or a referral to someone who can fix this problem once and for all. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB
State: IL

Complaint narrative:
Today I applied for a reapproval for Klarna and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not XXXX this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 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 2022-05-24 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: AR

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section 2. States a consumer reporting agency can not furnish a account without my written instructions which I did not give.

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 2022-05-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 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 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I used " PayPal Holdings , Inc '' services to receive money for a watch that I was selling. I used the " PayPal Friends & Family '' option as it should be more secure for the seller so you don't have to worry about chargebacks. A PayPal user by the name of " XXXX XXXX '' sent me {$5800.00} on XX/XX/2022 for my XXXX watch. I followed up with him and made sure that he got the watch and he confirmed that he did. We went about our way until XX/XX/2022. I received a message from PayPal stating that the buyer requested a refund because it was an 'unauthorized ' transaction and PayPal took {$5800.00} out of my balance as soon as they sent me an email so that I could provide documentation to dispute this chargeback. I also called PayPal about two weeks prior and spoke with two different employees ( all calls they state are recorded so there should be proof ) and both of them said that there is no way a buyer can claim a chargeback using the " Friends & Family '' method as we used for this transaction. PayPal did not adequatly verify that a user using their online financial service ( which should have adequate security to protect both buyer and seller from fraud ) was authorized to make a transaction and it is potentially put me in financial trouble as I could lose {$5800.00} and the buyer never offered to return the watch and PayPal automatically removed the funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy. 
15 US C 1681 Section 604 A Section 2 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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo didn't pay me {$300.00} Checking bonus when I meet all the requirements. When I called customer service, I was told I need to go to a branch to discuss with a banker. But I opened the account online instead of in a branch.

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 2022-05-24 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 have been disputing accounts with XXXX, TransUnion and XXXX in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA

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 2022-05-24 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 have been disputing accounts with XXXX, XXXX and Equifax in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MD

Complaint narrative:
I sent a certified letter to Transunion ( Tracking Number : XXXX ), which was received by XX/XX/22. I was requesting an investigative consumer report for the accounts they said was verified on my consumer report. Transunion has corresponded on XX/XX/22 with a response unrelated to my dispute! I'm aware of the stall tactics that Transunion uses in regards to the time allowed by law to response to disputes. Not only they are ignoring the 15 days I gave them to respond to my dispute to what I was requesting, they are furnishing accounts on consumer report without my written consent pursuant to 15 USC 1681b ( a ) ( 2 )!!

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