vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: OH

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  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account 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 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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I received a text message today from the number XXXX stating : " Harris & Harris XXXX , Harris & Harris is a debt collector for XXXX  XXXX. You may now receive texts. View Terms XXXX. To view your account and pay, please click this link : or call us at : XXXX Reply HELP for help. 

Reply STOP to cancel, msg & data rates may apply ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: IL

Complaint narrative:
First Progress BankXXXX XXXX XXXX Bank was my first secured credit card account. When I closed the account they told me I could spend my deposit and theyd send me the remainder in the mail, which is exactly what transpired. I spent about {$170.00} of my {$200.00} and they sent me a check for the remaining {$19.00} ( after all their processing fees ). Then proceeded to charge my card with annual fees and processing fees after I had already closed the account and received my check. Now they claim that I owe them {$170.00} in late fees and processing and I do NOT. I closed the account days before any of those fees were ever applied, I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/20XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( XXXX XXXX, am into XXXX XXXX and I guide and teaches people on how to do and solve problem relating to XXXX XXXX and I also sell XXXX on how to XXXX XXXX XXXX XXXX  using extruder ) since XXXX XXXX, XXXX  My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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:
On XX/XX/XXXX I submitted a complaint to Transunion This complaint requested the investigation and removal of 2 bankruptcies that are incorrectly and unlawfully showing on my credit profile with this company. 

Bankruptcy XX/XX/XXXX Ref # XXXX Bankruptcy XX/XX/XXXX XXXX The bankruptcy information was unlawfully verified thru a third party named Lundquist Consulting , Inc. ( LCI , Inc. ) All accounts and public information should be verified with the source according to the FCRA. In this case it shuld have been verified through the XXXX XXXX  of Texas Bankruptcy court. The XXXXXXXX XXXX  of Texas Bankruptcy court has a standing policy that they do not verify any public information to anyone that request. Therefore these public records should be deleted because they can't be verified. 

Due to the fact that Transunion has used Lundquist Consulting , IncXXXX to verify information in my credit profile I contacted LCI , Inc. to dispute the information with LCI. LCI informed me that they aren't a credit reporting agency and aren't subject to the rules of the FCRA. If you report any information about any consumers Credit Information this subjects you to the rules of the FCRA. Transunion and FCI , Inc. appears to have colluded together to make sure that consumers do not have the means as required by the FCRA to dispute public record information. 

This collusion between these two corporations has caused myself and my family irrecoverable harm

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 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XX/XX/2022 I use my debit card with Bank of America to pay ( XXXX XXXX by something on XXXX! After I make a payment and I dont receive my stuff! I already have the report from the police department and XXXX company! XXXX want Bank of America get my money bank from them

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 2022-05-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX illegally ran my credit report without my authorization on Experian XX/XX/2020. Delete this at once. FCRA

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 2022-05-17 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: DE

Complaint narrative:
On XXXX, XXXX XXXX  I wrote " Transunion credit bureau '' a dispute letter stating that I had incorrect information on my credit report. The account on my credit report is in the amount of {$5000.00}. In the dispute letter I sent Transunion I explained that the amount is incorrect and that there were 2 parties on this debt, I explained that I was not completely responsible for the debt and that I wanted it removed from credit report. Enclosed in the letter, I sent a copy of the judgement from the court in the amount of {$940.00} and my drivers license. On XX/XX/XXXX, Transunion responded with a letter saying the account was verified and that this was staying on my report. This confused me because I enclosed in the letter a copy of the court judgement that had the actual amount, this is the law. So once again on XX/XX/2022, I sent another dispute letter to Transunion stating the same thing as the first letter I sent out wanting the account removed from my credit report and again weeks later Transunion responded again saying that the account was verified and not being removed from my credit report. I don't understand how they couldn't remove the account when its the wrong amount and I sent proof of a court judgement in saying the amount. Its just upsetting and I feel like Transunion is ignoring the information I'm enclosing in my letters. If someone could help me out it would be greatly appreciated. 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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Collection Bureau of Hudson Valley INC sent letter for debt for services not solicited or received in the amount of {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a fraud claim # XXXX with Wells Fargo after finding out my card and pin number had been stolen/compromised and had spent over {$500.00} in my account. Wells Fargo has continuously denied my claim on the basis that sent my card and pen was used then the transaction must have been approved by me. I had a XXXX XXXX XXXX in XXXX of XXXX and it is my belief that someone took advantage and was able to obtain my pen and debit card. I have had around {$30.00}, XXXX pass through my account over the last year and have never disputed a claim unless there was cause.

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 2022-05-17 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: NJ

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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-05-17 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: EQUIFAX, INC.
State: NJ

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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-05-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
The company has ignored my request regarding the unauthorized transaction repeatedly... I XXXX  XXXX  thru XXXX  and notified them within 15 minutes of the pending authorization posting to my account... I had the card on my person and absolutely no association with the transaction associated with the unauthorized debit to my Cash APP XXXX.. 

CFPB IS DOING A GRAVE DISSERVICE IN ALLOWING LAX OVERSIGHT AND ADHERENCE TO DISPUTE RESOLUTION FOR CARD PYMTS AND INADEQUATE, IMPROPER PCI/DSS PERFORMANCE .... XXXX  SHOULD PULL THEIR PROCESSING AGREEMENT AND FORCE SWUATE/BLOCK TO FIND A REPUTABLE BANK TO HOLD THEIR FUNDS AND RECEIVE! /PROCESS THEIR TRANSACTIOONS I HAVE BEEN WAITING ALMOST 10 DAYS TO HAVE THE FUNDS CREDITED BACK TO MY ACCT ... XXXX XXXX  CHAT SUPPORT FORCES THE ACCOUNT HOLDER TO ATTEMPT RESOLUTION WITH THE MERCHANT THAT PROCESSED THE TRANSACTION PRIOR TO ALLOWING YOU TO FILE A DISPUTE - THAT MEANT 4 DAYS BEFORE THEY EVEN OPENED A CASE AND ONLY THEN AFTER ALMOST 10 CONTACTS ATTEMPTING TO RESOLVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-05-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NV

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief