vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC
State: FL

Complaint narrative:
Arcon Credit management has been reporting a fraudulently taken out over 7 years ago to my credit report. The loan is past Florida statute of limitations for reporting. I have reached out multiple times in regard to this claim and was told that they researched my claim and found I am responsible for the debt. There is no proof beyond some minor paperwork that states I owe this money to Arcon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Trans Union and XXXX to reinvestigate these accounts. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open dates, date of last activity and much more is incorrect. According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. 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 crime which, from date of disposition, release, or parole, antedate the report by more than seven years. The Bureaus are not in compliance with metro 2 credit reporting. I also have the evidence to prove my case.

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 2023-05-31 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: Orions Management Group, LLC
State: CA

Complaint narrative:
Incorrect information on credit report with a collection agency that is reporting a recent open account accounts been close for over seven years and just got re-opened in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-05-31 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Starting XX/XX/2023 US Bank took over Union Bank & shut down on-line access for 5 whole days. During that time I could not access my Union Bank account via on line. On XX/XX/XXXX I received an email from US Bank stating their site was active & I could sign up for US Bank services. I tried to do so for hours, made over 5 calls, spent at least 3 hours trying to find out why, after setting my User & password, that the site was not working. Next morning, XX/XX/XXXX I tried logging in again in the morning, no luck ; error message " This is not a valid account. '' Called again, was place on long hold ( 23 + minutes ), had to leave so hung up. Came home, around XXXX tried to log in, account stated LOCKED due to too many log in errors ( not my fault ). Called again, was transferred to tech support. XXXX representative told me unless I WAS willing to use a different browsers, ( I use only XXXXi ) that she could not help me & someone else already had opened up a case w/ case # so she could not help me. She was very rude. She told me it would be XXXX days before the assigned case manager would be able to get back to me! That would make the total amount of days I have not had access to any on-line bank what-so-ever at least 8 days!! Shocking! They stated others were having same difficulties with trying to set up a new account! This is unacceptable. I am operating in the XXXX. I am afraid to deposit any money into US Bank because they do not seem to be responsive, helpful, or transparent! They needed to have all the bugs worked out before they made the transition! Also, they are making the consumer go thru all kinds of delays, calls, exercises with technology that the consumer may not be able to execute or access. IT IS NOT UP TO THE CONSUMER TO WORK FOR HOURS & DAYS & MAKE CHANGES TO THEIR PERSONAL SOFTWARE TO BE ABLE TO USE A SIMPLE ON LINE CHECKING ACCOUNT ACCESS. IT IS VERY STRESSFUL NOT TO KNOW WHERE I STAND WITH MY BALANCE WITHOUT HAVING TO CALL US BANK & BE VERBALLY TOLD BY A STRANGER WHAT MY BALANCE IS! I AM VERY WORRIED THAT MY SOCIAL SECURITY CHECK DIRECT DEPOSIT WILL BE MESSED UP WHEN IT DROPS ON XX/XX/XXXX! LIKELY THAT WILL BE MESSED UP AS WELL. THIS HAS BEEN A COMPLETE MIS-HANDLING OF A BANK TRANSITION and possibly the mis-handling of consumer accounts and their ability to access their checking account via on-line.

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 2023-05-31 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:
Dear Consumer Financial Protection Bureau, I am writing to report a disconcerting incident involving XXXX XXXX and TransUnion, which led to an undeserved reduction of my current credit line with XXXX XXXX following a loan application. 

In early XX/XX/2023, I was invited by XXXX XXXX to apply for a loan. They reassured me that this application would not have an adverse effect on my credit. Relying on this assertion, I proceeded with the application and was conditionally approved for over {$30000.00}, subject to a 15-day review period. 

Regrettably, during this review period, XXXX XXXX unexpectedly reduced my existing credit line. This unanticipated action has led to a significant increase in my credit utilization rate, directly contradicting XXXX XXXX 's guarantee that my credit would not be adversely affected by the loan application. 

When I reached out to XXXX XXXX for an explanation, I was informed that the decision to reduce my credit line was made by TransUnion, the credit bureau. This claim raises serious questions. As per my understanding, a credit bureau 's role is to provide credit information, not to make underwriting decisions for a lender. 

The apparent shifting of decision-making authority from XXXX XXXX to TransUnion seems to be an unusual and potentially illicit practice that violates the standard regulations of credit reporting and lending. It is crucial to examine the legality of such an arrangement and to determine if any laws governing the roles and responsibilities of credit bureaus and lenders have been breached. 

In essence, the reduction of my credit line by XXXX XXXX, apparently at TransUnion 's behest, directly contradicts their promise of 'no harm to my credit ' made at the time of the loan application. This raises questions about the potential overreach of TransUnion 's influence and the integrity of XXXX XXXX 's lending practices. 

I respectfully request your assistance in investigating this matter. I am specifically concerned about the legality of a credit bureau making underwriting decisions on behalf of a lender, and the consequential impact on my financial status. I am seeking a fair resolution that involves the restoration of my original credit line, an explanation from XXXX XXXX and TransUnion for their actions, and assurances that such practices will not recur. 

Thank you for your attention to this matter. I am prepared to provide further information if needed. 

Sincerely, 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 2023-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
The company did not honor a promotional offer. 

I am owed a {$100.00} bonus for transferring in {$10000.00} into an account and holding that balance for 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 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: OH

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX 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 2023-05-31 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: TX

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 XXXXXXXX, XXXX : XXXX, 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.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 2023-05-31 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and to my surprise there are several accounts on my credit report that don't belong to me. I have never applied for these accounts, I never used these accounts and, I never received any benefits or goods from these accounts. The accounts listed below are all a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$500.00}, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX, Email add : XXXX - XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$65000.00}, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, Email add : XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XXXX, Bal : $ XXXX XXXX XXXX, IL XXXX XXXX XXXX, Email Add : XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$67000.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, -XXXX XXXX XXXX XXXX, acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX, Email Add : XXXX -XXXX XXXX  XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$35000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, Email add : XXXX - XXXX XXXX  XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX, Email add : XXXX -XXXX  acct # XXXX, Date open XX/XX/XXXX, XXXX : {$1400.00}, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$2800.00}, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, Email add : XXXX XXXX XXXX XXXX, acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, acct XXXX XXXX, Date open XX/XX/XXXX, XXXX : {$2500.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Email Add : XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$75000.00}, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Email add : XXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Account number : XXXX One main financial reached out to me to inform me that the account was Past due and must be brought back to current if not it was going to be closed. That was in XXXX i believe. I reached out to them that week. They said they had closed the account however they have not charged ot off yet and could have it reopened by setting up a new automatic payment agreement. I have been making ontime payments since in the amount of {$220.00}. On my credit report, my mortgage hoke lender notified me that one main financial charged off the account and reopened it with my new payments, however it's the same account. It was never charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

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  XXXXXXXX, XXXX : XXXX, 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.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 2023-05-31 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: TX

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 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 non-monetary relief
Consumer complaint received 2023-05-31 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:
To XXXX Equifax XXXX When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with explanation