vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
New and updated information Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681

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 2022-12-14 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: GA

Complaint narrative:
These accounts are INACCURATE AND UNVERIFIED. I have no acknowledgment of the accounts. I have enclosed a request that you reply within a reasonable amount of time. 
Based on XXXX5 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than XXXX business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I placed XXXX small orders on XXXX months ago and they did not clear my bank instead of reaching out to me they sent them directly to TRS to try to gouge me for even more money!!!!! I found this out because TRS started harassing me!!! I am a twice widowed mother and XXXX worker but off on unpaid XXXX due to serve health issues and have not been paid in XXXX months, XXXX!!! I have gone through all of my savings to pay my bills, have no credit cards, and can not get a loan because my XXXX XXXX is too low. Then XXXX XXXX who I have purchased from at XXXX for years starts using these crooks to gouge people who are already suffering for triple the original amount they could not pay!!!!! So, I emailed him at his email address XXXX and told him what I thought about all, and he replied stating he would contact TRS Recovery Services to stop contacting me!!!! I thought all was taken care of, this was over months ago, then today I received these notices from TRS Recovery Services harassing me once again with their exorbitant usuary fees!! I am NOT paying them EVER and have already told them to CEASE and DESIST, yet they continue to contact and harass me, they are breaking the FDCPA laws!!!!! Make them STOP and enforce the law and fines on them!!!! I am also going to file a complaint with the IL Attorney General against them too!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have filed a FTC complaint, and Transunion still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove the items IMMEDIATELY ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$71.00} XXXX XXXX XXXXXXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES-HARD XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOFT INQUIRIES XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXXTRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
onXXXX i sent letters to XXXX, transunion and XXXX disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX, transunion and XXXX post on a credit report. Otherwise anyone paying for XXXX, transunion and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, transunion and XXXX to report these account listed below on my consumer report. 
XXXX, transunion and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX, transunion and XXXX  must delete The following accounts and incorrect billing errors on my reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had at least seven late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
A number that spoofed the XXXX XXXX XXXX number called me on XX/XX/2022, at XXXXXXXX XXXX, telling me that there was a fraudulent transfer about to go through on my XXXX XXXX account through Zelle, which is partnered with XXXX XXXX  in some form or capacity. The individual on the phone took me through a process that resulted in me transferring money to the number XXXX, and in the process, I was told to do it with my name as the recipient. I only took part in this because of the fact that the number was that of the XXXXXXXX XXXX. The amount of money was {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  : ( XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I ordered a XXXX and was approved for Financing thru Greensky in XXXX XXXX. I was approved for {$36000.00}, however since the XXXX was not going to be delivered until XXXX of XXXX. Only {$6000.00} was charged to the credit line as the deposit for the XXXX. In XXXX of XXXX, when the XXXX was ready to be delivered the remaining balance of {$19000.00} was charged to the credit line. Greensky closed my original account ending in XXXX with the XXXX Statement and opened a new account ending in XXXX starting with the XXXX statement. They did not notify me that I had a new account so I continued making my monthly payments to the old account ending in XXXX for XXXX {$200.00} and XXXX {$350.00}. In XXXX, I started receiving text messages that my payment was overdue. I called them and they explained that my last 2 payments, totaling {$550.00}, had been applied to my old account ( the first time I was hearing about a new account ). I asked if they could transfer the payments to my new account, and they indicated they could not. So, I asked them to refund me the payments and I would then pay the new balance in the new account - at this point, I owed {$330.00} for XXXX and {$330.00} for XXXX. I asked them to notate my account to this conversation. I received the check {$550.00} in XXXX. I electronically deposited the check, and immediately made the payment of {$670.00} towards my new account. I later received a letter from my bank stating that the check was returned for stop payment. I contacted Greensky, and was told that they had put a stop payment because the credit from my old account had been applied to my new account. I again explained the entire scenario and was told another refund check would be sent. About 3 weeks went by and no check, I called again and was told that the check had been issued to give it a few more days and call again if I didn't receive it. I called yet again, and was then told that they had not issued the check because my payments had been applied to my new account. I asked to have a manager call me, no one has returned my calls, I've been told someone is looking into it and I just continue to get the run around. 

I have included my final account statement for account ending in XXXX, the new account statement ending in XXXX and my XXXX bank statement which shows my payment for the outstanding balance plus the returned check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been banking with BofA for more than a year, and never had problems, recently in XX/XX/2022 After selling my car I deposited Cashiers Check for XXXX XXXX through teller in XXXX, and immediately got my account blocked, went to another branch after that on XX/XX/2022 and they told me that my account is going to be closed soon. So the Check that I deposited was on hold and now my account is fully closed. Bankers told me that i'll receive my funds in 7-10 days to the address on file with them when my account will be fully closed. But my school is started and I need money to buy my books and pay my rent and i have payments due. Customer support told me that Check was cleared but account is closed and funds have been transferred to another department which will investigate my funds, called the guy who gave me this Cashiers check and the bank that issued it to me, they said theres nothing wrong or fraudulent with that Check, and Bank of America has my money now. Im trying to fix this problem now, telling them to expedite this process of investigation, but still no result.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give XXXX XXXX written instruction to furnish any accounts on my consumer reports. 

Under XXXX XXXX, XXXX. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, Equifax and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service! 

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) & XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed a FTC complaint, and Equifax still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove immediately PERSONAL INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX Equifax inquiries-hard 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 Account Review Inquiry XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Automated Consumer Interview

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX ; XXXX XXXX XXXX reported to Equifax a debt from XXXX XXXX of {$1600.00}. 
I disputed with Equifax XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. Equifax only listened to the XXXX XXXX XXXX and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with XXXX XXXX of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXXXXXX 
This debt is still posted on my credit file.

Company response to consumer: Closed with explanation