vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-11-17 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
My son purchased XXXX Vanilla Visa prepaid cards for {$25.00} each, XXXX for me and XXXX for my wife.. wifes card wont work in stores tried XXXX times, the other card the company says it was charged by XXXX XXXX and now has a balance of XXXX. Called the company waited XXXX hour the first time for them to answer, they did nothing said call back in XXXX days. called again yesterday waited XXXX minutes, they will not replace the cards. Ive tried their website number of times and logged in too and says cards are nonexistent or error it says, XXXX day my card had a XXXX balance the next XXXX, my wife can not get her card to work at stores. This company should be put out of business because of the complaints they have i see online they take peoples money. i called visa today and they called and hooked me up with vanilla gift card and waited another XXXX minutes and got no answer. Vanilla gift cards are a scam for sure..hope you can help with this! thanks i called Vanilla on XXXX and XXXX and today the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
i am having a dispute with Cash App, this company allowed a fraudulent bank account to be added to my cash app account which allowed a unknown individual to gain access to funds that were deposit in my account.I informed them of this fraudulent account providing them with proof that I for one never received the monies in the correct account and that account does not belong to me. They Claimed they did a thorough investigation and the funds were authorized by me or another party. I submitted proof to them that i only do business with one bank and provided them with numerous transaction coming from this one particular account. And that fraudulent account isnt me because i have never did any business with this bank and I am not aware of this account and I also ask them to provide me with legal documentation that I am a authorized user on this fraudulent account. which they have not provided as of yet and keep denying my claim for my money to be refunded and they need to report this fraudulent account to the proper authorities, when it they clearly states they can provide me with the information.I had to remove the fraudulent account from my cash app account. Their customer service dept have done nothing to assist me in returning the fund into the correct account belonging to me after many request to do so. please assist me in handling this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank offers a small personal loan program called standby cash. They have revised the criteria to discriminate against low income customers. 
The original criteria was {$750.00} deposit each month. I met that criteria. 
In XX/XX/2022, the revised criteria was each account had to have {$200.00} daily balance. As a low income person, I could not meet that criteria. 
In XX/XX/2022, my account was suspended due to this revised criteria. It was reactivated in XXXX. 
In XX/XX/2022, the revised criteria was {$1000.00} deposit over 32 days. In addition the new criteria effectively discriminates against anyone who receives government checks requiring a $ XXXX monthly deposit. 
I was informed today that my account was suspended. I have made over {$1700.00} in deposits over the last 45 days. The way the bank has configured the criteria Im not eligible for the program. I called and made a complaint through XXXX customer service. 
The policy and criteria changes are a blatant violation of equal credit for customers and non discrimination again income origin as legislated under consumer and credit legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-17 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: DISCOVER BANK
State: MI

Complaint narrative:
Not my account its been removed from XXXX and XXXX but XXXX will not remove this should be marked as inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Not my account its been removed from XXXX and XXXX but XXXX will not remove this should be marked as 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 2022-11-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Not my account its been removed from XXXX and XXXX but Experian will not remove this should be marked as 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 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX has been removed from XXXX and XXXX this is an accurate I do not owe anything please remove

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 2022-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I called Bank of America, when I received a Pro-active monitoring alerting thru XXXX. I filed a dispute that I did not open the credit line. I provided the Fraud agent XXXX with my account information AND the XXXX dispute number I entered when they denied I opened new credit. After a 45 minute conversation they finally admitted they did receive an application in my Name for a XXXX XXXX credit card and said the application had not been approved and would be blocked. They open the card anyway. XXXX was the manager. I had been advised they went ahead and opened the credit card. ( XXXX ) They opened this despite me filing a dispute and pushed it through.

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 2022-11-17 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-17 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I closed my account with XXXX before moving from my apartment last year, sent back all equipment and paid all of the bills due. Almost a year later with no communication from XXXX, a collection for {$340.00} showed up on my credit report. I don't know where this came from or how it could possibly be mine. The collection is the XXXX XXXX XXXX and after disputing through XXXX it came back that the account is accurate with no further information. I called the collections company and they said it is from when I closed my account. I have contacted an attorney and they said that a lot of times these are from equipment but I do not have the serial number still as it was over a year ago that I sent the equipment back.

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 2022-11-17 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: NY

Complaint narrative:
Reporting agencies XXXX, XXXX, and Transunion have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.

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 2022-11-17 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: NY

Complaint narrative:
Reporting agencies XXXX, Equifax, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: TN

Complaint narrative:
I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is XXXX, XXXX and Transunion did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

XXXX XXXX {$510.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$12000.00} Transunion XXXX XXXXXXXX XXXX {$800.00} XXXX XXXXXXXX XXXX  {$700.00} XXXX XXXX {$4100.00} XXXX {$570.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$440.00}

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 2022-11-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is Equifax, XXXX and XXXX did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

XXXX XXXX {$510.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Over the past two years, I have reached out to the credit reporting agencies to correct errors on my profile. They have not been very helpful with removing unverifiable items, which they continue to post to my profile without doing a proper investigation. XXXX is not showing any of the accounts the other two are showing, and all information on my credit needs to be accurate. I dont have student loans but they are posted as collection accounts on XXXX and Experian. Ive sent out 3 different letters to them, certified mail and havent received a response. My most recent letter was sent on XX/XX/XXXX, the letter before that was sent in 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 explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
XXXX  XXXX XXXX  was moved to Marcus by Goldman Sachs in XXXX. New card rcvd in XX/XX/2022. In XXXX I spoke with several in mgmt, one was XXXX on XX/XX/XXXX due to my rewards points were expiring & my rewards points not listed on the monthly invoice. It appeared to be rectified but was after several calls & blamed on transition. My current invoice due in XXXX was rcvd without rewards earnings again. These points are actual dollars I can use toward the purchase of a new GM vehicle. Therefore I watch closely to support the earnings are accurate. I called Goldman Sachs customer service XX/XX/2022 & spoke with XXXX. I explained my concern & her reply was : go online, company leaning toward self serve & the earnings rewards are not showing monthly but every other. I voiced my displeasure of not receiving this info as we had for over 15 years this credit card with GM & had no issues. I do not believe the credit card company has the right to withhold the earnings info. It is a primary reason on why I have this credit card for the rewards benefits. If I can not monitor how can I dispute if it is right or wrong or should they decide to remove expired points like before & that was in error. I just happened to stumble on it. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Between XX/XX/2022, I fell victim to two multi-layered scam operations run by the con artist XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase Inc. account to the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
Receivables Performance has put a damaging report on my credit report on behalf of XXXX for {$2600.00} in XX/XX/XXXX. I have reached out to Receivables Performance at their phone number and was told they have no record of this in their system, and thus asked me to pursue with XXXX. I have filed several disputes through XXXX and the latest results were this : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. 

The negative report remains, and I believe I am out of options to pursue this through either Receivables Performance or XXXX. Can you please help? 

FYI- I do not and never have had an account with XXXX. 

This is the full information from the XXXX report : Account name RECEIVABLES PERFORMANCE Account number XXXX Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXXXXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$2600.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Your statement Y ITEM DISPUTED BY CONSUMER Reinvestigation information This item was updated from our processing of your dispute in 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 explanation