vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Card # XXXX, XXXX  Credit Card # 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 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 2022-04-24 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: CA

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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 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 2022-04-24 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: CA

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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: FL

Complaint narrative:
i have contact equifax and XXXX regarding these false unauthorized inquiries to be removed. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXX XXXX XXXXXXXX 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 customer 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 2022-04-24 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 Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXXXXXX XXXX XXXXXXXX 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 customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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:
In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on XXXX reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish 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 2022-04-24 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on XXXX reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-24 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: FL

Complaint narrative:
i have contact XXXX and transunion regarding these false unauthorized inquiries to be removed. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Good day, On XX/XX/2022, I attempted to transfer {$170.00} from my debit card to the debit card of a family member by using Moneygram 's online service. Usually, it takes a 30-minute to an hour window for the party to receive the money. However, this specific transaction has been stuck saying, " your deposit is on its way. '' When I contacted Moneygram on XX/XX/2022, to inquire about the status of my transaction and why it was taking so long, no reason was given to me except that the representative who claimed to be a supervisor would create a ticket. However, she said the ticket could take up to 90 days to be resolved, and I could no longer get a refund or cancel the transaction. As I am writing this message, my transaction is still pending. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: CA

Complaint narrative:
1. On XX/XX/XXXX i made a purchase of {$950.00} with my wells fargo checking account but received the wrong item so i sent it back but the merchant wouldn't credit me so i filled a dispute on XX/XX/XXXX and submitted everything they needed, Proof of delivery, Tracking information, invoice. But on XX/XX/XXXX they initiated a reversal and wont let me appeal it because its time frame to do so has expired, they lagged when doing this investigation on purpose so they could use that excuse 2.on XX/XX/XXXX i made a purchase of {$1800.00} but received my order damaged, the merchant just wouldnt respond so i sent back the package using the shipping info provided on the initial shipment, still the merchant wouldnt respond regarding the pending credit so i filled a dispute with wells fargo on XX/XX/XXXX and submitted the tracking info, proof of delivery, and photos of damage. the claim credit was just posted as a reversal on XX/XX/XXXX and again well fargo says they cant appeal because of the window provided by them thus again shutting down any attempt to reclaim my lost funds

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 2022-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX Account # XXXX, Account name : XXXX, XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : 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 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 explanation
Consumer complaint received 2022-04-24 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Several phone calls a day. Multiple calls every hour. Literally non stop. They are calling from a few different states and identifying as comenity bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've maintained a checking account with Fifth Third Bank for the last couple of years. I recently moved from XXXX XXXX XXXX XXXX, and have used my account less frequently. I contacted the bank to update my address in XXXX of XXXX. 

Shortly thereafter, with no notice, the bank began charging me a " Dormant Account Fee '' of {$5.00} per month. I did not receive any written or electronic notice from the company until XXXX of XXXX. It now appears that they have taken {$50.00} from my account, which represents 10 % of the total amount of money in the account, and the equivalent of a 30 % APR. 

This " Dormant Account Fee '' was not disclosed in any clear or conspicuous way when I opened the account. Worse, I was not notified prior to the account being considered " Dormant. '' Additionally, I was in contact with the bank about my account in XXXX of XXXX. I was told by their customer service representative that accounts are only considered " Dormant '' if there has not been activity for 12 months, which clearly there was in XXXX of XXXX. 

Fifth Third Bank refused to refund these fraudulent and abusive fees and threatens to continue to charge them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 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: NV

Complaint narrative:
On XX/XX/22 I spoke to a XXXX rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXXXXXX $ -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called XXXX got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: NV

Complaint narrative:
On XX/XX/22 I spoke to a XXXX rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXX $ -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called XXXX got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
U S BANKRUPTCY COURT - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( 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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2022-04-24 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX 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 explanation
Consumer complaint received 2022-04-24 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: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-24 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: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C1692C Section ( a ) Communication with the consumer Generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debts.

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