vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :

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 2022-04-27 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: NY

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXX  account # XXXX 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 2022-04-27 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 XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXXXXXX account # XXXX 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 2022-04-27 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: PA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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 2022-04-27 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: PA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-04-27 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
Ive been a victim of identity theft there are accounts on my credit report 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
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
( USAA ) On XXXX XXXX I experienced wire fraud and {$10000.00} was stolen. While I have been waiting for my local police to conduct their investigation. Ive been doing my own investigation and constantly reaching out to USAA for the past XXXX days. And in my eyes nothing has been done. All I know is what I was told by the representatives, that they tried to do XXXX recalls shortly after the incident. I come to find out that the recalls were unsuccessful and was told that my case was being escalated. What does that mean in detail, no one has been able to give me any information on whats the next steps are. I was finally able to reach the CEO office after days of calling. The individual who I spoke to advised me that someone will be contacting me by phone to give me some type of resolution. But I have yet to receive a phone call from a manager or from upper management. Up to this point I have been getting the runaround and have no clue how Im going to get my money back. When I ask how long does their investigation usually take I was told by multiple representatives it can take up to three days. That must not be true because, my situation still has not been resolved and its been way beyond that timeframe. I have XXXX young children and bills to pay and I dont know how Im going to feed my kids at this point and how Im gon na pay my bills. Because USAA is taking their sweet time to help me get this resolved. I will be taking legal action against the company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
This Speedy Cash Loan Was Supposedly To Have Been Granted On XX/XX/XXXX For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I never recieved any loan and what current information that i do have about this account came from The collection agency Adstra following an update from my credit report which made aware of the fraudulent loan/ activity Concerning This Fraudulent loan and account with Speedy Cash. I Contacted Speedy Cash To Inform Them That This Was An Result Of Fraudulent Activity. Thier Response Was Very Unprofessional In Means To handling My Complaint Stating That They Tried To Contact Me Concerning The Account And were Not able To Contact Me, I Clearly Stated Of Course You Wouldnt Be Able To Contact Me If Its A Fraud, Explaining To Them The Current Matters Revolving The Fraudulent Account And Going Over The Fraudulent Account With Them Showing Them That The Phone Nummber That Is On The Account Doesnt Belong To me, Neither Does The Email address On The Account Belong To Me, Nor Does The Mailing Address Belong To me. My Primary & Current Residence Has Never Changed, The Current Email Address That I Am Using Now Has Never Changed, Nor Has My Phone Number Ever Been Anything Other Than The Phone Number I Currently Have To This Day. I Have Never Recieved Any KInd Of Mail Or Documentation Through Via Email, Phone, Nor Home Address Concerning Anything With Speedy Cash NOr Have I Ever Had Any Dealings With Speedy Cash, Let Along Ever Had A Loan Or Needed One. I Dont Even Have A Login Or Account With Speedy Cash Via My Phone Number, Email, Or Home Address. Down Below I Have Provided My Identity Theft Report To Show Proof That This Is Fraudulent Activity Conerning This Account # XXXX With Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Self Financial Inc.
State: PA

Complaint narrative:
Self closed my account XXXX.bal was XXXXXXXX bal XXXX plus {$15.00} late charge for the next fours monthsXX/XX/XXXX report 90 days late 2 days later report 120 late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal juat ruined my account for no reason, they said I cant use paypal anymore even I didnt do any illegal activities. It happened to my account last XX/XX/2022. I hope they will restore it today instead for 180 days. I really need the money for XXXX XXXX. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
On Tuesday, XX/XX/2022 i tried logging into my bank of america account and it wouldnt allow me. Its just said account locked. I called in and they just told me that my account was being closed for whatever reason. They never told me when or how i would be getting the balance i had in my account. Please help.

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 2022-04-27 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXXAccount # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX  -Account XXXX, XXXX XXXX account # XXXX, XXXX XXXX  - Account # XXXX XXXX 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 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 following items of information any other adverse item of information, other then 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. 

My rights as a consumer has been violated.

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 2022-04-27 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:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST EQUIFAX, XXXX, AND XXXX XXXX FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST XXXX, XXXX, AND TRANS UNION FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.

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 2022-04-27 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: CA

Complaint narrative:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST XXXX, EXPERIAN, AND XXXX XXXX FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.

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 2022-04-27 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: NJ

Complaint narrative:
The credit bureaus stated that XXXX XXXX XXXX account XXXX XXXX which is currently a charged off account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance 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 that a consumer reporting agency can not furnish an account without my written instruction.

I havent given written permission for this company to furnish this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, 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 without my written instructions. 

XXXX XXXX XXXX  New Credit Inquiry Added Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 

XXXX XXXX XXXX XXXX XXXXXXXX Collection Balance Increase of {$1.00} There could be a few different reasons why your balance increased. For example, the collection agency may have added interest charges to your balance or your balance may have been updated to correct a previous reporting error. While the balance change itself won't necessarily impact your score, having an account in collections is generally harmful to your credit. 

XXXX XXXX XXXX Balance Increased by {$1.00} It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2021 I was 30 days past due on my Amazon chase card also known as JPMCB card on my credit report. 
I called to explain that I was affected by Covid and had lost my job. I was receiving unemployment but in ended in XXXX of 2021 and a Covid-19 forbearance plan through my mortgage company ( attached document ).

The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any Covid related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report.

It is affecting my personal life via my credit score to refinance my home now.

I have submitted a document as proof that I was on unemployment due to CoXXXX and that my claim expired the same month of the delinquency incident in XX/XX/2021.

Company response to consumer: Closed with explanation