vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: GA

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

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I requested two balance transfers for {$2100.00} and {$1500.00} on XX/XX/XXXX at around XXXX EST. The terms disclosed during the transfer ( screenshots attached ) were a 3 % fee, which was applied to my account ( as disclosed ) and a 0 % APR on these balances until XX/XX/XXXX. 
For some reasons, TD Bank  only " processed '' the transfers in the following days and is now saying the promotion had expired by the time they processed them. All this, in spite of the terms that were clearly disclosed to me during the transfer. As a result, they are now charging me 19.5 % on these balances. 
This is very deceptive advertising and, in my opinion, a gross violation of the most basic UDAAP compliance requirements. 
I contacted them and they have not agreed to their error or any corrective action. 
On a side note, their mobile app does not offer any payment option, the only way to pay is through the website, though the autopay system offered there does not work correctly. A double payment of $ XXXX ( statement balance amount ) was applied to my account in XXXX ( manual payment I made + remaining statement balance auto-paid 10 days later ). Not only their system doesn't process remaining balance amounts correctly but it applied a $ XXXX payment on an account with already a XXXX balance, which is a gross violation of the most basic AML rules. It took me 3 weeks to get my money back ... Their customer service is very inefficient. 
In my humble opinion, this card program should not be live to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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:
After reviewing my credit report I noticed multiple inaccurate late payments on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX ( Original Creditor : XXXX 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 : It also states a consumer reporting agency can not furnish an 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 item 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 2023-05-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America froze my unemployment. Benefits. No one answers the phone no way to access money

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a letter from the court that Transunion claimed they verified a XXXX XXXX  bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX XXXXXXXX. They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a letter from the court that Transunion claimed they verified a XXXX  XXXX bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX XXXX They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.

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 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
I have been reallocating my assets from my USAA savings account to a savings discover account. 
I have been very careful to time the transfer requests in such a way to avoid overdraft particularly. I transfered XXXX to discover after receiving XXXX from selling stocks on XXXX and being deposited into USAA. After receiving my midmonth pay I deposited XXXX into my USAA savings account from my checking account. After that was reflected on the app, I transfered that XXXX to discover. Now USAA is stating that I never transfered the XXXX between account and is claiming overdraft fee of XXXX. The app reflected my XXXX transaction which would have completely avoided the overdraft fee but now it is not reflected at all on the app! I feel this retribution from slowly closing down my account with them ( which I responded to in a survey ) and is completely unfair as sufficient money was within my accounts in the USAA ecosystem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
Good Afternoon, My daughter was in the process of applying for a home loan when the lender notified her that according to the EXPERIAN credit report, she was an authorized user on my XXXX XXXX XXXX account AND my husband, her step-father 's, XXXX XXXX XXXX credit card account PER EXPERIAN XXXX 

My XXXX XXXX XXXX account and my husband 's XXXX XXXX XXXX XXXX was NOT on my daughter 's XXXX or XXXX credit reports XXXX ONLY EXPERIAN. 

My daughter, my husband and I have talked to XXXX XXXX numerous times who have REPEATEDLY told us that my daughter is NOT an authorized user on my account or on my husband 's account. She was on our XXXX credit card account YEARS ago, when the XXXX card was managed by XXXX XXXX. Those accounts have been CLOSED for years. 

My daughter filed a DISPUTE with Experian to get these accounts off of her credit report and they didn't do any research with XXXX XXXX and have left the CLOSED accounts which she is NOT an authorized user on her credit report. 

I am filing a report to CFPB because my husband 's credit card balance was made an issue on my daughter 's credit report when she is NOT an authorized user on either his account or my account. 

I have been unable to file a DISPUTE with EXPERIAN because it is not my credit report that is being affected nor WILL EXPERIAN let me speak to a LIVE person to get this matter resolved. 

EXPERIAN is a unreliable credit reporting company that should NOT be used by lenders. 

My husband now has to pay his credit card off to a XXXX balance, even though he has has had a XXXX card for MANY years, and the card is in good standing and has always been in good standing but the debt on this credit card is inhibiting my daughter to get a loan because of HER debt / income ratio. 

I am infuriated that my husband 's balance on his credit card was INCLUDED on my daughter 's credit report and EXPERIAN refuses to investigate or get this corrected. This is PRIVATE information that was made available to my daughter because it was incorrectly included on HER EXPERIAN credit report. 

I want this matter resolved IMMEDIATELY and I'm hoping that filing a complaint with CFPB will expediate this matter. 

Sincerely XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I had transfer the money through Remitly to XXXX but due to some error money was never received in XXXX and Remitly had withdrawn the money from my bank account in XXXX XX/XX/2023 Now I am been trying to get my money back from them ever since but company is giving me round around I have made so many attempts to get my money my call logs are XXXX they keep on saying same thing that some will get back to you Every time I call its goes to overseas so many time I ask for supervisor they said not available How can I get my money back from this type of fraud company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Nelnet, Inc.
State: MI

Complaint narrative:
I HAVE DISPUTED THE INACCURATE CREDIT REPORTING WITH THE CREDIT BUREAUS AND NELNET. THEY DO NOT HAVE COMPLETE REPORTING OF MY CREDIT HISTORY. IT IS MISSING THE MAJORITY OF MY ONTIME PAYMENTS. NELNET HAS ALSO REPORTED ME LATE MORE THAN 10 TIMES SINCE THE PAYMENTS HAVE BEEN DEFERRED SINCE THE PANDEMIC. THERE HAS BEEN NO PAYMENTS DUE YET THEY HAVE REPPORTED MANY LATES TO MY CREDIT. THEY ALSO HAVE PRIOR LATES ON MY CREDIT AND DID NOT PROVIDE ANY PROOF OF THESE LATE PAYMENTS. MY LOANS HAVE BEEN DEFERRED SINCE I GOT THEM. NELNET SENT ME A PROOF LETTER THAT STATES THAT I WAS NOT LATE, HOWEVER THEY HAVE REFUSED TO UPDATE MY CREDIT REPORT TO SHOW THIS. I HAVE BEEN DISPUTING THESE LATES FOR MORE THAN 120 DAYS TO NO AVAIL. I HAVE INCLUDED THE LETTER FROM NELNET BELOW NELNET LOAN SERVICES, ACCOUNT XXXX, XXXX, OPEN XX/XX/ NELNET LOAN SERVICES, ACCOUNT XXXX, XXXX OPEN XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
I HAVE DISPUTED THE INACCURATE CREDIT REPORTING WITH THE CREDIT BUREAUS AND XXXX. THEY DO NOT HAVE COMPLETE REPORTING OF MY CREDIT HISTORY. IT IS MISSING THE MAJORITY OF MY ONTIME PAYMENTS. XXXX HAS ALSO REPORTED ME LATE MORE THAN 10 TIMES SINCE THE PAYMENTS HAVE BEEN DEFERRED SINCE THE PANDEMIC. THERE HAS BEEN NO PAYMENTS DUE YET THEY HAVE REPPORTED MANY LATES TO MY CREDIT. THEY ALSO HAVE PRIOR LATES ON MY CREDIT AND DID NOT PROVIDE ANY PROOF OF THESE LATE PAYMENTS. MY LOANS HAVE BEEN DEFERRED SINCE I GOT THEM. XXXX SENT ME A PROOF LETTER THAT STATES THAT I WAS NOT LATE, HOWEVER THEY HAVE REFUSED TO UPDATE MY CREDIT REPORT TO SHOW THIS. I HAVE BEEN DISPUTING THESE LATES FOR MORE THAN 120 DAYS TO NO AVAIL. I HAVE INCLUDED THE LETTER FROM XXXX BELOW XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX, OPEN XX/XX/ XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX OPEN XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: NC

Complaint narrative:
I have not Applied for any credit account or loan accounts in the last 3 years and I have noticed I have some inquiries on my TransUnion account that I did not authorize. I was told that they would be a soft inquires but instead they were hard inquiries by these companies listed below!! These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. A request for your credit history is called an inquiry. There are two types of inquiries, hard and soft. A soft inquiry will not affect your credit score, but hard inquiries may. Hard inquiries remain on your credit report for two years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: MD

Complaint narrative:
Showing Im decease on my credit report Having me get denied for everything I apply for. Having a big impact on my life style

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 2023-05-15 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: 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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 have sent and 3 letters telling the credit report to delete items thats on my credit that incorrect and they not respond back to me i been trying to get the items of my credit since XXXX and they still are reporting items on my credit thats incorrect

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 2023-05-15 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish my account without my written instructions.

15 USC 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 response to consumer: Closed with explanation