vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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:
I recently checked my credit report and I noticed some inquiries from companies I did not give consent to access my credit report I respectfully request the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically, written, in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit report unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report # 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 2022-04-13 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: MO

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX American first XXXX Charged bank for payment at Bank that was taken off the account prior to charging it.Then the same date changed the new bank account the same amount.This was a double payment made to the same loan. The problem is the first payment was drafted from a bank account that was in process of being closed and they at this present time made this account rake up fees that is costing me money overlimit fees and overdraft fees on top of the payment amount that was not in the account. And they still at this time not issued refund or fixed there problem XX/XX/XXXX. PLUS ON TOP OF THIS THEY START THIS WITH DRAWS THREE DAYS BEFORE THEY ARE DUE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 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: VA

Complaint narrative:
The Credit Bureaus never did a proper ''Investigation '' according to the FCRA The term ''Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledgeable concerning any such items of information. 

They did not do this, Also they have violated my rights even more In accordance with the fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate the date last active is inaccurate and date last reported is not accurate this is ground for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy,15 U.S.C 1681 604 A section 2 it also states a customer reporting agency can not furnish an account without my written instructions I did not give anybody 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 2022-04-13 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: MO

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-13 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: MO

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated that " XXXX XXXX  XXXX XXXX verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2022-04-13 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: TX

Complaint narrative:
I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated that " XXXX XXXX XXXX XXXX verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I dispute this debt to Portfolio Recovery and also ask for debt validation. I also request to provide verification of the amount they said, I owe. They did not provide me with the original credit application as I ask. 
Portfolio Recovery respond back that they had completed our investigation of your dispute concerning this account. 
Portfolio Recovery never did a proper investigation, In accordance with Fair Credit Reporting everything has to be 100 % accurate on my credit report, how is that possible if the date open is inaccurate, last report date, date last active?

They also violated the law because according to 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, I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
On XX/XX/18 I attempted to get a free credit report from TransUnion only to be charged {$27.00}. I was able to get a refund. I saw an article about it happening to others and wanted to report it

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX my money market account was closed based on. Escheatment. I regularly use the card and account. When going in the Truist bank they were unable to help and directed me to XXXX number. They stated this process is done with inactive accounts but they could see this account is regularly used and based on Alabama law escheatment happens after an account is dominant for 3 years. This is not my situation. This is obviously an error and the bank should have fixed immediately. The bank is saying this is a third party product and they can't help. There was several thousand dollars in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FIRST HERITAGE CREDIT LLC
State: SC

Complaint narrative:
Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX  and XXXX XXXX. They told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  and XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX I made deposits to the a US BANK ATM ( ~ $ XXXX and XXXX respectively ). Oddly, both deposits amounts were canceled by the bank, with the $ XXXX being reinstated same day, but the other being held ( there were two checks in this held deposit ). It was apparently held because one of the checks written around didn't match the dollar total. I was not contacted. On XX/XX/XXXX I was doing an audit of my account and saw this discrepancy of over $ XXXX in my account. I traced it back to this issue, which was had been held since XXXX, again without any communication. Contacting the bank on XX/XX/XXXX, I was told it appeared to be an error, and the issue would be escalated, and they'd reach out to me the following morning. On XX/XX/XXXX I called the bank at noon, having not heard back. Working with a new individual, he told me that he was talking to the person that held the deposit, and an error had been made, but that now the check was released. I pointed out that the total amount ( $ XXXX ) was still not in my bank account. He then told me that it was because the checks were returned to their bank of origin, and that I'd have to reach back out to those individuals and have them write me new checks. This, however, is not an option. It's not clear why the entire deposit was removed from my account and sent back, why one of the checks was held, and why there was no communication about any of this until I did my audit. Further, US Bank is not taking accountability for removal of these funds from my account, and I've seen no evidence of the supposed mis-matched check.

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 2022-04-13 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: VA

Complaint narrative:
The Credit Bureaus never did a proper ''Investigation '' according to the FCRA The term ''Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledgeable concerning any such items of information. 

They did not do this, Also they have violated my rights even more In accordance with the fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate the date last active is inaccurate and date last reported is not accurate this is ground for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy,15 U.S.C 1681 604 A section 2 it also states a customer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TN

Complaint narrative:
This was not sent in error, i am a consumer by law and my information was misused and now I have an unlawful account reporting negatively on my consumer report. Transunion has mailed me stating XXXX account # XXXX is verified as accurate ; however, if you scroll down under the definition section of the FCRA and read investigative consumer reports, I bring to your attention that it states : when a consumer reporting agency creates an investigative consumer report : Theyre not supposed to include factual information, it's supposed to be excluded, and theyre supposed to interview my neighbors friends or associates. Theyve failed at those responsibilities. Furthermore; proving that if they do not remove the account immediately they are civilly liable and its also 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 2022-04-13 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: AL

Complaint narrative:
I the consumer am not a third party but acting on behalf of myself submitted a request regarding some fraudulent inquiries that I do not recognize nor did I authorized. My personal information was exposed in a data breach and may have gotten into the hands of the wrong person. I have yet to receive any response to my dispute from any of these credit agencies and its been more than 45days. From what I read on the FTC website when I submitted my request for these fraudulent items it stated 4 business days so how does that turn to 45days?

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Thee people are crazy I was approved for my XXXX XXXX XXXX and XXXX card and have my secured platinum after I was approved and received my new card they restricted all my cards and wont let me use them even after sending them document verification they still wont let me use my card how annoying can they be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/2022 - We deposited an {$18000.00} personal check and a {$920.00} XXXX XXXX XXXX check into our joint checking account. The deposit was held pursuant the three-day restriction stated by ALLY bank. 

XX/XX/2022 - We made a {$300.00} XXXX payment and were subsequently notified that the payment wasn't received, wherein it was cancelled and a replacement payment of {$300.00} was made on XX/XX/2022 to replace the original transaction. 

XX/XX/2022 - We receive notice that the {$18000.00} was available, and we ordered a wire transfer for {$17000.00} to pay court awarded attorney fees. Informed that this would take two days. 

XX/XX/2022 - Received an email of a banking PIN change, which I attempted to respond to only to be locked out of our joint account and my Social Security direct deposit. Subsequently, contacted by ALLY Fraud security interrogating me as to the deposit of the {$18000.00}, requesting proof that the wire was being directed to attorney 's fees and questioning the XXXX payments of {$300.00}. Despite providing this data contemporaneously, ALLY continued to block access to our joint account and my Social Security direct deposit. 

XX/XX/2022 - I was directed to contact ALLY due to suspicious activity they had detected on XX/XX/2022 and they locked all my accounts and refused to release my Social Security direct deposit. 

XX/XX/2022 - My wife was contacted by ALLY fraud prevention demanding personal contact data as to the individual that had issued the {$18000.00} check despite having his banking data in hand before agreeing to release our accounts. The party that had issued us the {$18000.00} check reported that ALLY had contacted him by phone requesting not merely if he had issued the funds but inquired as to the nature of why the funds were issued. 

XX/XX/2022 - ALLY finally released the holds on the account and issued the wire transfer and we were able to gain access to our joint account and my Social Security direct deposit. ALLY was notified on the call from Fraud Prevention that we would be filing a report with the CFPB regarding the matter and notify Social Security of the restrictions it had posed upon my retirement benefits. 

XX/XX/2022 - ALLY Customer Service issues a statement acknowledging their unsatisfactory service while misconstruing the facts as supported by the correspondence evidence in email and facsimile formats. No explanation and exception were at any time provided regarding ALLY 's restriction to my unmingled Social Security direct deposit funds, which is a violation of law and SSA and US Treasury Regulations.

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