vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account # XXXX, XXXX XXXX account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account # XXXX, XXXX XXXX account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 602 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 2022-05-20 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: WA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602- States I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.

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 2022-05-20 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: Penn Credit Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In an effort to close on our home loan today XX/XX/XXXX. We set up a wire transfer on XX/XX/XXXX for XX/XX/XXXX. Being that our Ally account was younger than 90 days we required an exception to transfer for than XXXX. We needed to transfer XXXX. With that information we reached out to Ally twice asking did we need to provide any additional information regarding the wire ( XX/XX/XXXX ). Both time we were advised that if they had any additional question that would delay the transaction they would advise. On the day of our closing the funds did not transfer. In fact our request was reviewed at XXXX pm on XX/XX/XXXX and did not move forward again until XXXX, our closing was at XXXX. We have yet to close on our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
My Bank account at USAA has been hacked and the person who is in my account has been depositing checks that are not mine for {$5000.00} at a time starting XXXX XXXX. As they cash these checks, they send them to XXXX XXXX and once they send the checks to XXXX pay, the checks get declined. I am now XXXX dollars in debt and I have no money. I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the XXXX year reporting window. I've disputed the age of the debt with all the XXXX credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.

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 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My home was in Default my servicer is PNC Bank i was behine 12 months my house was headed for auction i finley caught up with the payment before that happen i had an agreement with them for all of the fees inclueded late fees lawyer fees all of the adminstrion fee which came out to be XXXX that was suposed to be the full amount in in clueding everything to bring my account current after i went to XXXX XXXX XXXXXXXX XXXX got a cashier check sent them the total amount and after i made the XXXX payment said that i own a XXXXIf i own the extra amount have been in clueding in the restatment i ask serval time whats the total amount which i would sent that to them not after the. 
Im not going to pay those fee if i dont get this resoved will seek an lawyer.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: LA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
I inquired to see if ( Evergreen Home Loans ) could remove a late payment from XX/XX/2022 that was reported to the credit bureau. ( They did however remove the late fee ) This was the first time that I have had any type of occurrence of this nature, if they were look at my past history it solidify my statement. 
When I first discovered that this occurrence happened, I immediately called and spoke with a loan representative and sent in payment for full resolution of the XXXX $ in question. 
The original payment check was sent in but with an error on it. 
The error was that when physically writing out the complete dollar amount on the check the words " XXXX XXXX '' were accidentally omitted, However the full loan payment amount of XXXX was written numerically correct on both the check and on the voucher. 
Evergreen home loans response to my request was " Unfortunately, we are not able to correct Per CFPB guidelines, we are required to post the check for the amount that was written out ''. 
what CFPB guidelines are they referring to? there response has nothing more than a loose mention of the CFPB with no supporting information from the CFPB guidelines to support their statement. 
Can they remove the reported late payment from my credit report? And why cant they correct it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
I have been dealing with Experian about my XXXX XXXX XXXX that's on my credit report. I have called them and disputed with then about this item plenty of times and now finally they update where it says collections for 2 years now XXXX XXXX XXXX XXXX was paid for using my irs funds back in 2017. On my credit XXXX  with Experian it does not show the On Record date when it will off my credit report all other accounts show the On the record date I have asked Experian to delete for not showing accurate info. If they will not delete I will sue them for damaging my credit

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Due to a system issue, my payment was scheduled for the wrong date. Therefore, my payment wasnt sent to Capital one and a late fee was applied in the amount of {$28.00}. Since Ive never had any late payments, I requested the late fee be waived. However, it would take XXXX business days to post to the account. Then I made the payment which applied to another Capital One credit card. After checking the account, I-noticed the payment was applied to the wrong account so I called customer service again. The representative did not understand what I was asking so I had to repeat it several times. Their outsourced company used for their customer service always provide information the customer do not ask questions not asked. The representative talked so fast most of the interaction with her was frustrating I asked for a supervisor XXXX times and finally got a account specialist name XXXX that was very unprofessional and rude. I was told they were backed up with processing a simple transferring payment from the incorrect to the correct. The process will take 7-10 business days that will cause a late payment on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of 2022, I filed a dispute with Transunnion Credit bureau about the unverified account : XXXX XXXX account # XXXX. In these months I have not received a notice in XXXX  days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX and XXXX I was charged for unauthorized charges both charges are {$49.00} each. I'm on XXXX and I can not pay my bills. These charges appear to be for a weekly newsletter. Please reverse these charges so I can pay my legitimate bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the 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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the 7 year reporting window. I've disputed the age of the debt with all the three credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the 7 year reporting window. I've disputed the age of the debt with all the three credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.

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 2022-05-21 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: OR

Complaint narrative:
First off my name is XXXX XXXX and I am not a credit repair service. I am an individual exercising my rights for fair credit and proper credit reporting. I demand the following information removed and deleted from my account as per the listed laws require. 

All three of the credit reporting agencies stated back that they had fully completely investigated the items listed yet if you look at the copies of the credit report that I supplied you will see that they were in accuracies incorrect dates and incorrect amounts. This is grounds for removal XXXX violating my rights. Under 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agencies can not furnish an account without my written instructions. The credit bureaus also took more than 30 days to complete my investigation. Tracking # 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 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NM

Complaint narrative:
A collection company " Portfolio Recovery Associates '' has illegally " re-aged '' a debt to XXXX and is inaccurately reporting the debt to XXXX, XXXX, and XXXX. 

I've repeatedly disputed the " age of first delinquency '' with the company and reporting agencies. The collection company merely replies that the information is accurate. The only result is a note attached to the collection in my credit report stating " Dispute resolved, customer disagrees. '' The collection company has yet to provide the " date of first delinquency '' to the reporting agencies. 

My consumer protection attorney advised me to file this complaint and contact the company before proceding further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3500.00}

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 explanation