vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX XXXX XXXX A Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/202XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXXXXXX Reported XX/XX/ XXXX XXXX Reported XX/XX/XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/2023 THE BUREAUS Reported XX/XX/2023 XXXX XXXXXXXX Reported XX/XX/2023 XXXXXXXX XXXX  Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/20XXXX XXXX XXXX  Reported XX/XX/202XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2023 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2023-07-11 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX A Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/202XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX  Reported XX/XX/2023 XXXX XXXX XXXX  Reported XX/XX/2023 XXXX Reported XX/XX/XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/20XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2023 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: NC

Complaint narrative:
I have disputed most of my accounts because they contain transactions and experiences. According to 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;.

They are also in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave permission to furnish a report on me. And they refuse to stop. They are allowing non affiliated companies to pay them to furnish unlawful information. And XXXX. They have destroyed my livelyhood and my ability to care for me and me child. 

I am the consumer to which the reports pertains to. I am the only one that can verify false information. Financial institutions that pay the credit reporting companies to furnish unlawful information should not be consulted about accurate information pertaining to me. They are also committing identity theft by doing actions that I am not aware of.

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 2023-07-11 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:
In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

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 explanation
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2023-07-12 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: NJ

Complaint narrative:
Experian is Reporting fraudulent Addresses 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 explanation
Consumer complaint received 2023-07-11 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: Netspend Corporation
State: OH

Complaint narrative:
I bought a PayPal prepaid Visa card on XXXX, I had preloaded the card with a {$100.00} balance. The card cost me {$4.00}. 

I attempted once I got home to activate the card, however, I was told that I was considered to be a high risk customer and was unable to activate the card. I was told by their customer service team that they would be forced to mail a check to me. They were going to send the check for {$100.00}. Even though I paid {$4.00} for the card. Totaling {$100.00}. 

The check was supposedly mailed out to me on XXXX. I called on XXXX. I informed them I still didnt have the check. I told them that they must not have processed it correctly or the check had been lost in the mail. 

They assured me that I would have the check by XXXX, they told me I needed to be patient and give it the full XXXX business days. As of today which is XXXX, thats XXXX business days. They are now telling me that they can stop the payment, but it will be another XXXX days. I informed them on XXXX when I knew the check wasnt coming, that its not going to be acceptable when they tell me that the funds will need to be mailed again. Which is exactly what happened.

Im already frustrated because I havent ate anything in 2 days. I suggested the check be sent overnight. I even offered for the fee to come out of my funds, but was told that wasnt going to work. I tried to explain what happens if this happens again. Ive already waited 15 days for my own money. Which was cash used at the XXXX XXXX to purchase this card. I want them to come up with a different option that doesnt require me to wait a month to get my money back.

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 2023-07-11 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: NY

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.

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 2023-07-11 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: NY

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.

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 non-monetary relief
Consumer complaint received 2023-07-11 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: NC

Complaint narrative:
I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. 

XXXX XXXX Account number ending XXXX Open date XX/XX/2022 XXXX XXXX XXXX Open date XX/XX/2022 Balance {$4000.00}

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 non-monetary relief
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Genesis FS Card Services has falsely and, in my opinion fraudulently, claimed on XX/XX/2023 that a payment to my account was rejected by my bank. They provided zero evidence for this and indeed my bank shows no attempt to actually make such a charge. The company has flat out lied in order to charge me a fee. They provided no evidence of their claims, they simply lied in order to charge me a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
My checking account was closed to do this fraudlent check which i thought was taken care of back in feburary. Then I had to get my bank involved over a {$300.00} check that never should have cleared. My checks were thrown away! I will be sending over documentation!

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 2023-07-11 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: PA

Complaint narrative:
There is an address for XXXX XXXXXXXX Maryland reporting on my consumer report, that is a result of Fraud. There are also 2 duplicate XXXX XXXX ending in XXXX accounts that are identical reporting TWICE on my report AND they are erroneous. I DEMAND THAT THESE FRAUDULENT ACCOUNTS AND ADDRESSES BE REMOVED IMMEDIATELY. Please note that I intend to sue if these are not removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
I received a letter from " McCarthy, Burgess & Wolf '' stating I owe XXXX XXXX {$10000.00}. I contacted XXXX XXXX and they conveyed my account is in good standing. I've contacted the three credit bureaus and put an identity theft alert on my accounts. I do not owe this this debt and I need assistance in this matter. 

XXXX 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 2023-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX, XXXX made a purchase at Pottery Barn for {$1400.00} under a " 12 month interest free plan '' through my Pottery Barn Capital One Credit card with a promotional expiration date : XX/XX/XXXX XXXX, XXXX, XXXX made payments ( {$120.00} each ) to Pottery Barn Capital One Credit Card XX/XX/XXXX, XXXX a freud charge of {$2100.00} was made on my card. I immediately reported the charge to Capital One and Pottery Barn as it was for Pottery barn merchandise. 

XX/XX/XXXX, XXXX received a letter from Capital One indicating investigation was complete. They credited me for the amount that was charged in freud. 

XX/XX/XXXX, XXXX noticed on my newest Capital One Statement that I was charged interest ( {$22.00} ) on my promotional balance. Also noticed on this statement I was no longer under the Promotional Credit Plan. 

XX/XX/XXXX, XXXX Called Capital One, XXXX to report that I should still have the remaining balance under the promotional plan until XX/XX/XXXX. I was told by XXXX that on XX/XX/XXXX the promotional balance ended because Capital One provided me with a credit. I explained the credit was for the freud charges, not the amount I still owed. He said there was nothing he could do and that I would be charged interest on the remaining balance ( {$730.00} ). I asked to speak with a supervisor and spoke with XXXX. He offered to waive the interest for this month but couldn't explain why I was no longer on the promotional credit plan, as he verified with Pottery Barn the plan should be through XX/XX/XXXX. Once he waives the interest my true balance is {$700.00}, however because XXXX was unable to " reinstate '' the promotional plan, I will continue to be charged interest, or call back to Capital One every month to argue with them ( because it was an hour long argument to get this month 's interest waived ) to waive the interest that I am contractually obligated to have waived through XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
Equifax, XXXX and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX Equifax has file date XX/XX/XXXX Equifax has Ref # XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Equifax has month of discharge - None XXXX has month of discharge - XX/XX/XXXX XXXX has month of discharge - None Equifax shows address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX Equifax shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US BKPT CT  Equifax shows phone # XXXX XXXX shows phone # XXXX XXXX shows none

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
XXXX, Experian and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information Experian has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Experian has Ref # XXXX XXXX has month of discharge - None XXXX has month of discharge - XX/XX/XXXX Experian has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MS XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX Experian shows address - XXXX XXXX XXXX shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US Bankruptcy Court Experian shows Type of Court - US BKPT CT XXXX shows phone # XXXX XXXX shows phone # XXXX Experian shows none

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Debt Collector : Sequium Asset Solutions , LLC On behalf of XXXX for {$100.00} Reference XXXX I cancelled the account my XXXX XXXX and paid in full in XX/XX/2023. 

I asked for the confirmation from XXXX but they did not provide me with confirmation. They kept calling billing me and I called again in XXXX, XXXX and XXXX. Each time they said they will remove the billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX tried to collect payment for a service that my insurance had already covered ( balance billing ). After numerous discussions, showing proof that my insurance paid them after the network discount, they still turned my account over to a collection agency. 
When I explained what happened to that company, they sold my account to another agency. As soon as I informed the current company ( XXXX XXXX CO ) of the situation, they stopped communicating with me and left the debt on my account. This debt has been disputed with proof of insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America open account on my name without my permission see attached document

Company response to consumer: Closed with explanation