vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-03-16 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Accounts 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: PA

Complaint narrative:
I notified the 3 credit bureaus of a list of inquiries into my credit report that were not authorized and not done by me It has been over 30 days and theres still been no resolve and items not removed from my credit file. I have attached a photo of the previous complaints with CFPB that has still not been resolved.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: SC

Complaint narrative:
I have had a Netspend prepaid debt card for many years and on XX/XX/23 i was unable to sign into my account. On XX/XX/23 i received an email that " There may be a problem with my account and to call customer service. On XX/XX/23 called customer service and was told " There are suspicious activities and my account was blocked. '' The customer service rep. would not give me any information/details about the suspicious activities and stated i would need to submit documents for security verification to the email he would send me. On XX/XX/23 i sent the required documentation ( SC Drivers License, Social Security Card and a Tax bill from the SC Treasurers Office with reference number XXXX to the email provided ( XXXX ) On XX/XX/23 i received an email stating that all the documents submitted were rejected, at which time i called customer service and they informed me that scanned documents were not acceptable and that i needed to send them my actual Drivers License and Social Security Card. After explaining in no uncertain terms i was not going to send my D/L and SS Card. The customer service rep stated that the only other option was for them to close my account and they would send me a check for the balance in my account. ( I don't know the balance since i was blocked from my account ) Something here is not right and needs to be looked into. Any help you could provide in getting my money would be greatly appreciated.

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 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
There are multiple instances with different creditors that I have disputed. 

First, I have a medical debt that I should not have been billed for because I had already met my deductible, and the documentation that I have shows that insurance paid it. I have contacted Texas Department of Insurance ( TDI ), and they have been trying to get a hold of the providers responsible for the billing. Hearing was scheduled for XX/XX/XXXX, and mediator was not able to get in touch so it did not occur. ( Business & Professional C/O XXXX XXXX ) Second, I paid off a debt in XX/XX/XXXX, and yet every month I have to call creditor to fix the bill because it shows I owe interest ; i know that I don't owe interest because I paid it off before the billing cycle. They have been removing it, but my credit report shows that although I have a XXXX balance, my payment is now 60 days late. ( XXXXXXXX XXXX XXXX XXXXXXXX ) Third, I have an old closed credit card debt that I have disputed multiple times to indicate that they were not my charges, and in addition to that, every month the amount increases as they keep selling the debt. I have tried to get in touch with them, but they have no record of debt other than a card for the same bank that I am currently paying. ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I reported the theft of my identity on XXXX in which my social security card, previous State ID, birth certificate, and my passport was stolen from my home. This incident was reported to the XXXX XXXX XXXX office to Deputy XXXX XXXX ID # XXXX with the case # XXXX regarding the theft of my identity. I also reported the use of my stolen identity to the XXXX XXXX on XXXX after reviewing my credit files and seeing fraud accounts appearing in my name which did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-16 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: LA

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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-03-16 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-16 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: TX

Complaint narrative:
I filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping me to get them removed off my 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 2023-03-16 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: TX

Complaint narrative:
I filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping me to get them removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-16 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: TX

Complaint narrative:
TRANSUNION IS ILLEGALLY REPORTING THE ACCOUNT LISTED BELOW TO MY CONSUMER REPORT. THEY ARE DOING SO BY BREAKING THE LAWS LISTED BELOW THE ACCOUNTS LISTED. 

XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$11000.00} - - -No Data XXXXXXXX XXXX XXXX XXXXXXXX {$7100.00} - - -No Data XXXX XXXXXXXX XXXX XXXX {$1500.00} TRANSUNION IS IN VIOLATION OF MULTIPLE LAWS AND THERE SUBSECTIONS. HERE ARE THE LAWS 15 USC 1681b- Permissible Purpose of consumer reports- REQUIRES WRITTEN PERMISSION BY ME THE CONSUMER TO REPORT ANY INFORMATION TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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.

15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Aggravated Identity Theft per 18USC 1028

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Beginning XX/XX/2023, I have received more than the permitted 7 calls per week in an attempt to discuss debt collection. I receive at least one, if not two, calls per day. They call from multiple different numbers with local area codes and conceal their identity, pretending to be someone I may know until I ask who is calling. I have informed them not to call me during my business hours of XXXX to XXXX, yet they repeatedly call during those hours regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I deposited a {$3000.00} check to my account. Chase put the account on hold as a result of this deposit, and subsequently Chase closed my account and only returned {$16.00} that was in my account while withholding the entire {$3000.00} check. Chase stated that they will not disburse funds from the {$3000.00} check without verification over the phone from the maker of the check " XXXX ''. I have not been able to get a hold of this company over the phone, and Chase has not been able to get a hold of this company over the phone through their verification system either. 

The check was deposited via mobile deposit. The check has cleared for over 21 calendar at this point. The merchant that wrote the check has not contacted Chase to request a dishonor or stop payment on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal is accountable for damaging my credit score. They have breached their contract and continue to report to the credit reporting agencies. It affects my livelihood as a veteran as I try to purchase a home.

Also, Navy federal needs to remove themselves from my credit report immediately or I will seek legal action. They have also violated my consumer rights as they have no right to communicate with me directly or INDIRECTLY. Including through credit reporting agencies. They do NOT have my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I have had an Ally Bank Online Savings Account since XXXX. On XX/XX/XXXX I received email from Ally offering a 1 % interest bonus, up to {$500.00} max, for depositing new money into an account and keeping it there thru XX/XX/XXXX. The bonus would be deposited into my account by XX/XX/XXXX. It also mentioned to Be sure to use the email address associated with the Ally Bank Account you plan on transferring new money to. 

I enrolled on XX/XX/XXXX and received an email to my savings account associated email - confirming my successful enrollment. I deposited {$50000.00} and received an email from Ally on XX/XX/XXXX on the successful transfer of the {$50000.00} into my account. I kept the funds in the account thru XX/XX/XXXX. 

Noticing that the 1 % bonus ( {$500.00} ) had not been credited to my account I called Ally bank on XX/XX/XXXX to inquire on the timeframe for receiving the cash bonus. The only thing we could discern is that perhaps the glitch was that in XXXX I changed the email associated with the account to my gmail email, to simplify my life. I was told that that would not have affected the criteria and that the matter would be escalated to the back room for resolution. 

I called again on XX/XX/XXXX and was told that it was still being processed and that it typically would take 7-10 business days. It is now XX/XX/XXXX, over 1 month since it should have been deposited, and 15 business days since I first called Ally and still nothing. I have clearly met all of Allys eligibility requirements outlined in the offer and am due the {$500.00} bonus. 

Note : On XX/XX/XXXX I first sent this complaint to the FDIC. I received an email this afternoon that they were forwarding to you for resolution, so this is an updated copy of the one sent to you by the FDIC.

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was informed that aI needed to file a complaint since I have a checking and/or savings account with Wells Fargo bank between XXXX. I have had accounts with Wells Fargo since 2004. I was told that a class action lawsuit was underway. So, I wanted to be sure to be included.

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