vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 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 have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: FL

Complaint narrative:
XXXX XXXX XXXX ACCOUNT IS INACCURATE REPORT IN MY CREDIT AND SHALL DELETE. 
ACCOUNT NUMBER : XXXX WITH A BALNACE OF {$27000.00} SHALL DELETE FROM MY CREDIT REPORT DUE TO FRAUD AND INACCURATE. 
THIS ACCOUNT IS CHARGED OFF AND I REQUEST THE WIT DOCUMENTS SIGNATURE AND WHY COLLECTIONS KEEP CALLING ME. 
THIS ACCOUNT SHALL DELETE FROM CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Hj! I received a letter approximately XX/XX/2023 that if I dont reach to American Express to discuss procedure on my credit card by XX/XX/2023 that it would close and sent to collections! Ive called around XXXX XXXX XXXX to discuss matters and was told that it was already sent to collection and today is the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Someone with possible subscriptions in my name are illegally drafting my account. My efax account is XXXX I was drafted XXXX illegaly and XXXX illegally XXXX XXXX XXXX XXXX XXXX prime illegaly and so e others when I cancelled in the trial period time frame. My efax number account is still active XXXX. There might be another one in my babe trying to draft a chime card of mine which is not the card on file. Or a payroll company illegaly drafting or trying to access my account. Labor finders XXXX Al people ready XXXX Al or XXXX Al or at XXXX XXXX XXXX Al possibly volunteer s misusing my identity.

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 2023-07-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items 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 2023-07-08 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: MI

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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-08 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 ( XXXX 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. 1581 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I've attempted via mail to solve this issues, I've yet to this date received original documents of this inaccurate reporting

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 2023-07-08 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: CA

Complaint narrative:
In accordance with the fair credit reporting act convergent account, # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: MI

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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-08 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: MI

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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXX I received a notification that someone gained access to my account and to reach out to support if it wasn't me. So I tried to log into my account via my phone number, was sent a code and it said " welcome back XXXX! '' And my name was always listed as XXXX so that is messed up. It asked how I would like to verify my identity before accessing the account and I selected each available option but it just pulled up this random person named XXXX information so the verification stuff was sent to that person, not me, the original owner of the account. I contacted support and explained all of this and they just kept saying the same thing over and over again. " You need to finish setting up your account, let us know when you've done it. '' I would say, I've tried all of that, what's the next step? '' And they just repeat it over and over again until they disconnect the chat because they, " can not help me and can not say anymore on the matter. '' I asked why and they said, " like we said, we can not help you with this matter but I'd be happy to help with anything else. '' Just over and over again, not explaining why or anything. I tried chat support four different times and got the same thing each time. So I went back online to try to select, " this isn't me '' during the sign in process when XXXX email pops up and then it just takes me to a screen that says, " for security reasons, you may not create a cash app account. '' No matter what I click, that error pops up. I feel like my information is unsafe and I have no control over this random person having access to my information and Cash app refuses to help me so I turned here because they already have an investigation going for not responding or helping during fraud situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted All XXXX credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items 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 2023-07-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report numerous times over the past year. I contacted consumer finance bureau and I finally contacted Federal Trade Commission to dispute the validity of these accounts. I am a victim of identity theft as to these accounts do not belong to me and I have no acknowledgment of. These inaccuracies have been haunting me for the past decade please delete indefinitely because it is the law. I should not have inaccurate items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I purchased items with Affirm totaling {$940.00} and put a down payment of {$280.00} on the purchase. 

My first payment came due XX/XX/2023. 

I am experiencing some financial trouble right now and have been unable to pay. I have not answered any calls and the calls have become repetitive from several different numbers to the point where it is harassment.

Over the span of 7 days I have received 8 or more calls. Please be advised creditors who contact or attempt to contact an individual more than 7 times within a 7 day period are presumed to be in violation of the FCRPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I received a notice of a debt with the supposed original debt owed to a " XXXX XXXX XXXX, XXXX ''. 
I do not owe nor have I ever owed money to this company and the collector " Wakefield & Associates '' keeps trying to collect, without any proof of an account being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL

Complaint narrative:
My email address was used to create an account for another persons American eagle store credit card. 
After numerous emails and phone calls to the retailer and the issuing bank, Synchrony, this has not been resolved. I have asked them to verify the correct email for the customer but I have continued to receive emails regarding this customers 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
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was trying to use an ATM machine at Chase Bank and a man stole my debit card out of my hands and ran away. Before I could cancel my card, my account showed that the person withdrew {$1000.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just received a check from california rent relief program. The check is drawn on wells fargo which I possess an account as joint account holder. Both myself and joint account holder traveled to local wells fargo branch both Thursday XX/XX/XXXX and Friday XX/XX/XXXX. On first day the bank actually deposited check several times while there at bank and placed their stamping marks upon it after having me execute my signature on reverse side. Initially they claimed they could not accept check because unable to reach program for verification. However we successfully reached program who then spoke with bank and verified everything. Then bank tells us that they will not accept check because they deem it too high risk. We traveled to several nearby branches locally whereby we were advised that they were notified by original branch and they would not allow depositing of check.

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 2023-07-08 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank did not send me a statement, which should have been for XX/XX/XXXX to about XX/XX/2023. I normally receive paper statements as I do not have easy access to the internet. I called Citi about a week ago and was told to wait a while longer. But, nothing. I suspect that Citi purposely delays sending out paper statements because it wants to save money on mailing paper statements by scaring those who won't sign up for electronic statements and/or wants cardholders to make late payments and collect exorbitant fees and interest.

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 2023-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I applied for a Balance Assist loan with Bank of America and I was denied. The reason for the denial was " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file bankruptcy. '' I have never had an account with Bank of America discharged in a bankruptcy. In fact I've been a loyal customer with Bank of America since 2015. My daughter had a credit card with Bank of America that I was an authorized user on and she filed bankrutpcy. I should not be held liable for that. I do not have an intent to file bankruptcy so there is no way the company received this information about me.

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 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was charged tons of interest totaling {$110.00} on some purchases and I dont use my XXXX card that much. It dont make any sense at all. I would need to have this fix or credited to my account Or see a statements to see why this interest is too high I cant afford this

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently contacted XXXX, Equifax, and XXXX, so that they can update my credit profile. XXXX made the change via phone but Equifax and XXXX would not. I am sending documented proof so that my information can be updated.

Company response to consumer: Closed with non-monetary relief