vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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:
The Credit bureaus stated that XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written permission. 

I haven't given this account written permission to furnish this account on 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 2022-06-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, 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

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 2022-06-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX. I've tried to resolve this issue a numerous amount of times. In XX/XX/2018, I open a new checking account with Bank of America. My information was stolen at some point ever. I never used the account, never had direct deposits or checks. A month later a fraudulent transaction was done and the account was closed shortly after. It states that it was a deposit of {$1500.00} on XX/XX/2018 and then the account was closed, I tried to resolve the issue after gaining knowledge of the fraudulent activity and was told my a Bank of America representative that " it was too late to report it '' and that it would be reported on my consumer report for the next couple of years. This has negatively impacted my consumer report and has hindered me from opening up a bank account which is essential to an adult 's life. I just recently tried to open an account and was told that this was reported to XXXX XXXX XXXX so now I am trying to take the proper steps to clear up the issue. If they can check IP addresses, cameras or whatever to prove my innocence. I am a XXXX XXXX and would never commit checking fraud. Please contact me with any resolution, questions, or concerns. Thank you.

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 2022-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
They offered me a pay to delete. It was removed from XXXX but XXXX XXXX is still showing it and theyre saying it still shows when they pull up my report. I called XXXX and they said they couldnt see the debt at all. After providing some more information they saw it was deleted by IQ data. They didnt report it as pod of anything. Upon further research Ive found that pay to delete is a unethical method used by collection agencies that I was a victim too. Luckily I do have receipts of this to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX 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 an 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 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I spoke with two Office of the President agents at Capital One. The first one left me a voicemail and the second agent I spoke with provided me the ID number XXXX on XXXX. She informed me that Capital One approved the goodwill letter adjustment I requested due to COVID hardship as well as paying my account off early, to remove late payments from my credit report. They provided the goodwill adjustment to all three credit bureau offices to have the late remarks removed as a courtesy, however, the bureau 's will not remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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

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 2022-06-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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

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 2022-06-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Pursuant 15 USC 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I am putting LVNV Funding/Resurgent Capital Services on notice to cease and desist further communication with the consumer in regard to this alleged debt, I do not owe them anything, I will not pay them anything, I do not have any written or signed contract with them and any information used without my consent is identity theft. This cease and desist also applies to the conveying of information regarding this debt on my credit report as well, my credit report is a medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get a copy of my credit report since last week and nothing. I cant get it through https : //www.annualcreditreport.com/ nor TransUnion website, I have also called their customer service number and no one seems to be able to assist 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 non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX credit card switched banks to FNBO ( First National Bank Omaha ). The prior rewards feature was {$.00} off per gallon. The new rewards program offered {$.00} off per gallon at the pump. This was advertised prominently as our new card feature and the on XXXX gasoline pumps and receipts. We did not receive the reward with our first transaction on XX/XX/XXXX ( # XXXX ). Calls to FNBO were met with an automated message that the system was down. We put in a written request with FNBO on XX/XX/XXXX and received no response. Our next transaction on XX/XX/XXXX ( # XXXX ) also did not receive the discount. I placed a call on XX/XX/XXXX to FNBO and was told that my account was credited for the XX/XX/XXXX purchase and promised a credit for the XX/XX/XXXX purchase. The CSR was unable to tell me why the credits were not automatically applied. The purchases on XX/XX/XXXX and XXXX received the appropriate credit at the pump. The purchase on XX/XX/XXXX ( # XXXX ) did not receive the {$.00} credit. Upon reviewing the transaction history, it does not show the post dated credits that were promised for the XX/XX/XXXX and XX/XX/XXXX transactions. We're sure if this is a system glitch or if this is a systemic issue. There a most likely quite a few customers who do not review their receipts or take the time to reach out to FNBO for a few dollar discrepancy. It appears FNBO is unaware of this issue or indifferent to it. We would like this remediated for us and other affected consumers.

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 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I sold a house and the title company transferred money on Thursday XXXX at XXXX to my checking account at Citibank XXXX with a federal wire number. Until today Citibank is not able to release the money, I don't see it as pending incoming wire either, nobody can tell me where it stands, they are saying it's a compliance check that they might additional information from the title company but no additional information was requested from the title company They say on the hotline everyday that they are escalating but no response or proactive communication

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 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc.
State: TX

Complaint narrative:
This company has already been taken to court and I won, the charges were dismissed but they still refuse to remove them from my credit report. They say the account is still pending which it is not because the court already ruled in my favor. 

my credit report still shows two things from them. Even with this complaint they are going to lie and say it is still pending. 

Conns {$6300.00} XX/XX/ 2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
I have attached and FTC report with 3 accounts and inquiries not authorized by 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 non-monetary relief
Consumer complaint received 2022-06-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will t

ake legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a personal endorsement to pay the loan. This is unrelated to any business loan. This is affecting my personal credit, hence unrelated to the business loan. This is fully under the auspices and jurisdiction of the CFPB as this affects my personal and family objectives. 

Unfortunately, I XXXX XXXX XXXX  I subsequently lost my job, my wife also was XXXX. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with 8 accounts and inquiries that I did not 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