vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-03-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.

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 2022-03-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2022-03-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: HI

Complaint narrative:
I have disputed this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by XXXX or Equifax after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXXXXXX XXXX  XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America basically too $ XXXX to pay a business credit card from my account. They took $ XXXX for a business card my business defaulted on early 2019 from my personal account. They will not fix the credit report will not refund the money. The card was a card for my business is it legal for you to take money from my personal account for a business debt? During a pandemic. The work part is the bank will not even update my credit report accurately. I tried to talk to them, dispute the issue and they are just bullys

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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
CITIBANK BLOCK MY ACCOUNT FOR 2 YEARS SINCE XX/XX/XXXX NOW ON XX/XX/XXXX THEY REMOVED THE BLOCK AND PUT MY ACCOUNTAS IN DORMANT STATUS

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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I moved from the XXXX to live in XXXX with my XXXX wife on XX/XX/2022. We are buying a house here. I set up an online checking account with Wells Fargo because I needed a bank that uses XXXX XXXX for large transfers since my XXXX XXXX could not. I transferred {$65000.00} from XXXX to WF account. I had my wire transfer limit raised from {$5000.00} to {$75000.00} with a daily transfer limit of $ XXXX. I made the first $ XXXX to my wife 's XXXX bank without a problem. But the XXXX one for $ XXXX the next day was flagged for 'security reasons ' and locked. I called XXXX and referred to the 'fraud department '. After security checks they unlocked my account and I made the 2nd transfer again. But that one was flagged again. Later, they said it was because I used the wrong PW. But since I couldn't get in I tried a temporary PW which didn't work and tried both the old and the temp PW 's many times until I gave up. I called to get the account unlocked and was told " We can't resolve this over the phone. You will have to come into a local branch somewhere in the US to resolve this and prove your identity. If my online credentials used for signing up for the account are not enough what can I do. I have made over a dozen calls to different dept 's and spent HOURS on the phone trying to get help -- -including from the Compaint Resolution Team at XXXX. They told me to call XXXX to get help with resetting my PW but they referred me back to the fraud dept. And the circular pattern continued with everyone I talked to and was referred to. And when I tried to reset my password their system blocked me from completing that process. I need to have my account unlocked and my last 2 wires sent before XX/XX/XXXX or I lose my {$300.00} deposit on the house we were going to buy. And if I'm unable to get help reversing this holdup it will cost me considerable money, time and hassles to return to the XXXX and close my WF account and then go thru the emergengy covid measures required by the XXXX XXXX to return with a money order to put directly in my bank in XXXX. Please encourage WF to resolve this ASAP. It's been a horrible and very stressful experience dealing with their unhelpful reps who are unable to resolve a simple issue of correctly identifying a customer. I use " my voice is my passwork ' method.

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX has sent me to Genesis Collections for {$11000.00}. I lived at this rental property for five years. They renovated the whole unit once I moved out and am charging me for that renovation. They are dishonest and this is reflecting poorly on my credit report. I paid a deposit that should cover new carpet and paint. This is an egregious amount and I will not pay it. They are unethical and should not be in business. I have witnesses that helped me move and know what condition the unit was in when I left it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
When I moved out of this apartment, I gave the appropriate amount of time to do so. I was still charged these fees. I have contacted this company several times to resolve this problem in the past as I was not the only person on this lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I received a letter of deletion from SYNERPRISE CONSULTING SVS INC stating the account isn't mine, and my credit file will reflect that. 

XX/XX/XXXX, the debt is reported on my credit file. I have called countless times to speak with a representative, however, no one answer my question of why the account is on my credit since I don't owe. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. 

PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. 

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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:
I have disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. TransUnion has refused to remove this account from my credit report and XXXX as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If XXXX and TransUnion does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly 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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX : Placed online purchase from XXXX XXXX XXXX, for wrench. Price - {$72.00} XX/XX/XXXX : Received Damaged and " Empty '' paper USPS shipping envelope. Contacted XXXXXXXX XXXX XXXX  and explained what happened. XXXX XXXX asked that I send pictures, which I did via Text message. XXXX XXXX acknowledged that envelope appeared damaged. XXXX also said that they would be filing a claim with the USPS. XXXX XXXX XXXX order # XXXX XX/XX/XXXX : Called Chase Bank to file charge dispute for missing merchandise. 
XX/XX/XXXX : Received request from Accounts Payable Branch of USPS, but the letter was dated XX/XX/XXXX. I called their department, and they admitted that the letters were going out late! The letter asked for the original shipping envelope, which I submitted to local USPS the next day, in XXXX XXXX, CO. The most important fact about this, the envelope had a Green USPS sticker on it. The " Attention Customer '' sticker had " Received Damaged '' and " Received without Contents '' checked! 
XX/XX/XXXX : Provided XXXX, at USPS, the damaged shipping envelope. 
XX/XX/XXXX : Received letter from Chase Bank, saying that they Denied my claim, and the Only reason given was that the Merchant shipped the wrench. They made absolutely No mention of the fact that the actual merchandise Never arrived! I appealed the decision. With the appeal, I provided a letter with everything that had happened, and a picture of the USPS envelope, with USPS Green sticker. 
XX/XX/XXXX : Received Denial of claim from USPS, stating " Per our conversation the claim was denied under the mailer 's account. They were sent a denial letter on XX/XX/XXXX and has not filed an appeal as of today. '' I don't doubt that Haus of Tools probably received their letter from the USPS Accounts Payable Branch over a month late, just like I did. XXXX, at the USPS in XXXX XXXX, said that he had several customers that complained about the same experience with late claims letters. 
XX/XX/XXXX : Received letter in regards to Chase Bank appeal, Again stating " the transactions are valid and will remain on your account balance. '' At this point, it's beyond belief that I am being forced to pay for something that I Never received, through Absolutely No Fault of my own! I feel that I have done everything that I should be required to do, and I should not be victimized twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE & WEINER COMPANY INC is the collection agency, XXXX  INSURANCE is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. 

When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX ( rep ) that I am disputing the debt. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs.

The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible.

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I notice on my Credit Report there is a 2 Companies reporting a charge off for a debt i did not use from their company. The company goes by the name Affrim Inc and also XXXX XXXX  XXXX it has been reporting this information for 6 months. I called the company several tines trying times explaining i do not owe them any debt explaining this has to be a mistake. They seem to be unsure of what going There is also quite a few addresses that are not correct on the report and inquiries inquires from XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Pursuant to 15 USC 1692 ( a ) ( 3 ), I am the consumer. On XX/XX/XXXX, I sent two provisional payments to Chase via Remittance Coupon for two accounts, XXXX and XXXX. These payments were also sent with a money order, in the amount of the Stamp Duty that was owed. On XX/XX/XXXX, I received a letter from Chase stating that the payment can not be applied to my account because it contains a conditional notation. Chase sent me back the two money orders that were labeled Stamp Duty, however they did not send back the remittance coupons. They kept both of the coupons without adjusting my amount. 

I spoke with a representative from Chase and made him aware of what was happening. I was told to send the next remittance coupon to their Payment Headquarters : Chase Card Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

I, again, sent out two remittance coupons on XX/XX/XXXX to the address above, and I did not receive any correspondence regarding the provisional payments, and Chase is still expecting payments on XX/XX/2022 for the card ending in XXXX and XX/XX/2022 for the card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: OH

Complaint narrative:
I have disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. XXXX has refused to remove this account from my credit report and Equifax as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If Equifax and XXXX does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
I'm a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, recently well last year, the new owner of this building has made me stressed and has embarrassed me in front of our XXXX ; we deal with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX we help the community with XXXX we are not in a rural area, but our XXXX  do live in a rural area. Well, ever since XXXX XXXX purchased this property, never less, it's been a nightmare. XX/XX/2021, they walked in XXXX while seeing XXXX  collect according to the past due to rent dating since XX/XX/2021. Our facility has never had a problem with the previous owner. The rent is on auto-pay, so it's impossible to gain late fees. I feel we are not only harassed daily, but XXXX XXXX XXXX has made changes on binding contracts done by the previous owner. They have even turned off the power on three electrical plugs ; one of them holds the XXXX and other XXXX  wording on documents several times ; even with this So-called money, we owe 90 % of our XXXX  are XXXX XXXXXXXX XXXX unique patients that I have had the privilege to help a make them smile. XXXX XXXX now has sent my business information to a debt collector again, another unprofessional situation I will include in the email along with all emails and lies she is putting my business in jeopardy

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Quite simply I have a charge appear on my card once a month from a vendor on an Amex card which they dont know how to fix. They are partners with this company. I havent done business with XXXX ( the company in question ). 

Several ( many many ) phone calls, emails, and no resolution. Every month I am forced to can Amex over the same thing. We have tried to replace the card, block the vendor, communicate with north Amex XXXX XXXXXXXX XXXX but to no avail. Help!

Company response to consumer: Closed with monetary relief