vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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: CA

Complaint narrative:
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter and that didn't happen I haven't even received an email informing me that my consumer dispute letter was disregarded which led to my consumer rights being violated

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 2023-06-03 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:
In accordance with the fair credit reporting act, XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2023-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was closed on XX/XX/2002. Over 21 years ago Paid as agreed XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Purchased windows and installation agreement with XXXX XXXX on XXXX XX/XX/XXXX for 5 windows. 
Received call on XXXX XX/XX/XXXX that grid pattern could not be made ; would call me back in XX/XX/XXXX to provide update, but never called me back. 

Installers came to house on XXXX XX/XX/XXXX with 5 windows. Grid pattern did not match 3 windows. I did not accept windows. Installers did not install these windows. Installers took these windows with them. Installers only installed 2 sidelights. I called XXXX XXXX while installers were at my house and they told me they would write a note on my account that I did not accept windows due to wrong grid pattern. I sent an email to XXXX XXXX as well. I contacted XXXX XXXX several times between XXXX XXXX XX/XX/XXXX, nobody called me back. I disputed charge. I have tried to followup with this case multiple times with XXXX XXXX customer care, but I have not been successful. Sales manager, XXXX XXXX told me that he was going to refund me, but then stopped the process and stopped communication when I wouldn't drop the dispute. The installation manager named XXXX called me at some point and mentioned he had to talk with another manager, but never called me back. Please be aware, this was a second order of windows of XXXX XXXX I purchased with a problem. It is unclear why this can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
I purchased solar panels for my newly built home. When going threw the sales pitch, the person selling me the panels told me that there was no payments for 18 months. That was the only reason I went with them because it was a newly built home. There are things that need to be done before I was to worried about Solar Panels, but without having to pay a payment for 18 months that was doable. Shortly after they were installed, I started receiving things saying that my account is past due my payment was received and so on and so forth. Oh I spoke with somebody and told them that I agreed to make payments after 18 months and if not, then they need to come and get the panels because I didnt want them I couldnt afford to make payments until 18 months later. They tried to tell me they were the finance company and not the actual solar people or whatever but I only ever dealt with one person and I had no clue that they were represented by another company. Anyways, I sent documentation showing where I havent stated in text messages time and time again that no payments for 18 months. Hi shut sent them a copy of the flyer that they gave me when I signed up and said that there was no payments for 18 months, and they still reported me to the credit bureau and knocked down my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: TN

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 explanation
Consumer complaint received 2023-06-03 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:
In accordance with the fair credit reporting XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2023-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have sent Notice of Error to US Bank XX/XX/2023 Referencing : CFPB XXXX ( d ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, XXXX, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. 

No response from US Bank.

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 2023-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Hi Ive been in the hospital I was paying on my loan monthly company didnt tell me about charge off nobody called me I told company I was saving up to make more payments.They charged off my loan without warning and didnt tell me I had to call them to be notified very very poor customer service I had enough for 3 pmts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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:
In accordance with the fair credit reporting act, Bankruptcy XXXX XXXX # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank is engaging in unfair debt collection practices by utilizing harassing phone calls. They have called me in excess of the legal limit of 1 call per day per account, or 7 calls in a 7 day period per account. I currently have 2 accounts with citibank. Both are behind. 1 of the account I have a payment plan set up that I am current on. The other account I am 2 month behind on. For several weeks citibank called me in excess of the legal allowable limit. This is an unfair collection practice. When I inquired why they would use such practices I was told that I should expect it as I am 2 months behind. The employee then stated it was a robocaller that had been calling me excessively. I explained that does not give them the right to harrass me. And that if the company is to utilize a robocall system its parameters should be inline with the law. Utilizing technology does not exempt the company from complying with the law. They have since ceased their harassing phone calls however that does not change the fact they violated the law. If they are doing it to me they are doing it to countless others. They should be fined and held to the standard of the law.

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 2023-06-03 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
CXXXX XXXX XXXX XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. Commenity nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. COMENITY XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2023 I notified Venmo that a fraudulent Venmo Credit Card had been opened in my name. I then asked that my Venmo account be closed, which they said they could not do, because there was an account balance owed on the fraudulent credit card and that I needed to contact the credit card issuer, XXXX XXXX at ( XXXX ) XXXX to report the fraudulent activity and get the credit card balance cleared. Meanwhile, Venmo was holding {$2300.00} of mine that I could not access. After being required to provide a copy of my photo ID and a picture of me holding the photo ID, they finally unlocked my account XXXX transferred the {$2300.00} out of my Venmo and again requested to close my account, Venmo refused, again saying that they needed me to work with XXXX XXXX. XXXX XXXX told me that they had XXXX days to complete their investigation. XX/XX/2023 I finally receive notice from XXXX XXXX that their investigation is complete, the credit card account had been identified as fraud, the account has been closed with no financial obligation due on my part and the credit bureaus had been notified. I sent the letter to Venmo, asking again to close my account, 8 email exchanges with Venmo, they have no other way you can contact them. This is the last email I received " I understand that you wanted to close your Venmo account. I tried to do it, but just like the previous representatives, I was unable to do so. I see that you sent in the document confirming that the credit card was already closed. Kindly respond to the ticket # XXXX so they can double-check it and further address your concern. '' I have no idea what ticket number that is or how to respond to it? The entire process is broken and made to be frustrating and complicated for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: Westlake Services, LLC
State: TX

Complaint narrative:
I received a notification that I had a hard credit inquiry with XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I called the listed number and the agent I spoke with verified they have no data for my name or social and no information about an inquiry for auto financing. She directed to me to dispute the inquiry because there was " nothing they could do. ''

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 2023-06-03 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: 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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: IL

Complaint narrative:
To whom it may concern : Good afternoon, my name is XXXX XXXX and I hold a spend and savings account through credit karma. I am reaching out to you because I have exhausted all my other options when it comes to resolving this matter. My account has been frozen/locked since last Friday, XXXX, XXXX, 2023. Today is now Thursday, XX/XX/2023. I have followed all the steps given to me to get it unlocked and there still hasnt been a resolution. I have spoken with supervisors as well as customer service reps and theyve all told me to send in the required documentation via email which Ive done and I still havent gotten a response. With my account being frozen, I am unable to do anything. I was basically left stranded with no access to my funds in my account. This issue has also caused me to incur extra charges because my bills have been returned. I have filed a complaint with the FCC and the XXXX XXXX XXXX. This matter needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: TN

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 explanation
Consumer complaint received 2023-06-03 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

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

15 U.S.C 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|

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 2023-06-03 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 

15 U.S.C 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|

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 2023-06-03 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: TN

Complaint narrative:
In accordance with the fair credit reporting Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 explanation
Consumer complaint received 2023-06-03 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: WI

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX account number # XXXX / TransUnion Credit Report 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROMIBITION ( A ) Reporting information with actual knowledge of errors 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, Duty ; a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROMIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you ( XXXXXXXX XXXX XXXXXXXX ) are a furnisher of Information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROMIBITION ( B ) Reporting information after notice and confirmation of errors information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 
This company has caused me and my family severe harm due to fear, negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account

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