vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: AL

Complaint narrative:
There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: PA

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax Personal Information Employers : I no longer work for XXXX XXXX  It has that company still listed on my credit report. 
Names : XXXX XXXX XXXX XXXX incorrect name on my credit file. 
XXXX XXXX XXXX is my only name. 
Addresses XXXX XXXX XXXX XXXX XXXX, WI XXXX is NOT my address, never was my address. Someone had to be using my name for that address and I don't live there. 
XXXX XXXX XXXX XXXX, WI XXXX is not my address it should not be still listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX is not my address, it should not be listed on my credit report, I never lived there. 
XXXX XXXX XXXX Ct XXXX, WI XXXX is not my address, it should not be listed on my credit report. I never lived there. 
I would like this addresses removed from my credit file., I do not recognized them. 
My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AmeriCollect
State: IN

Complaint narrative:
I believe that it said the year was 2018 and there were XXXX charges for XXXX each

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX All these accounts above have violated my rights. 
15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It says I was approved for a credit card and when I put application for one it denied me so Im confused why I was told I was accepted when it was a lie. That is false advertisement

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 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 2022-05-28 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: PA

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 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 2022-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AL, XXXX XXXX XXXX XXXX # XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: AL

Complaint narrative:
There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AL, XXXX XXXX XXXX XXXX # XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.

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 2022-05-29 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Global Lending Services LLC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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:
I sent a letter off on XX/XX/2022 Here is my tracking number XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial Institution is supposed to share my information to third party people. These are clear violations of my federally protected rights.

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 2022-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.

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 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASEBANK CASE # : XXXX CHASE EXECUTIVE OFFICE XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX MY XXXX XXXX XXXX WIFE WAS SCAMMED INTO THINKING SHE WAS TALKING TO AN XXXX XXXX & THE INDIVIDUAL HAD HER RELEASE {$480.00} FROM MY CHECKING ACCOUNT ENDING IN # XXXX. INITIALLY CHASE REVERSED THE MONEY BUT AFTER 30 DAYS THEY CHARGED MY ACCOUNT BACK FOR THAT AMOUNT ( {$490.00} ). I SPOKE WITH AN INDIVIDUAL ( XXXX? ) WHO TOLD ME THAT THE MONEY WAS AUTHORIZED BY MY WIFE. HOWEVER, MY WIFE IS NOT A SIGNATOR ON MY CHECKING ACCOUNT. SHE HAS NEVER BEEN. MY PERSONAL, CHECKING ACCOUNT WAS OPENED WITH CHASE IN XXXX  & MY WIFE HAS NEVER BEEN A SIGNOR ON THAT ACCOUNT. I AM THEONLY AUTHORIZED INDIVIDUAL FOR THAT ACCOUNT. CHASE WON'T REVERSE THE CHARGES. I JUST RECEIVED A LETTER FROM CHASE DATED XXXX STATING THAT MY CLAIM IS BEING DENIED BECAUSE THE XXXX TRANSFER WAS PROCESSED CORRECTLY BASED ON THE INFORMATION ENTERED. THAT IS TOTALLY FALSE! AS STATED PREVIOUSLY, THAT TRANSACTION WAS DONE BY MY WIFE WHO IS NOT A SINATOR TO MY PERSONAL CHECKING ACCOUNT. I CALLED XXXX & THEY TOLD ME I NEED TO DEAL DIRECTLY WITH CHASE. CHASE HAS REFUSED TO TELL ME HOW THEY ARRIVED AT THEIR DECISION TO DENY MY CLAIM. PLEASE HAVE CHASE REVERSE THE CHARGE OF {$490.00} & PUT THIS SUM BACK INTO MY CHECKING ACCOUNT ENDING IN # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover bank, let me articulate your errors and walk you through this process.. okay, you see here.. this is Discover Bank violation of Federal Law. You are reporting 120 days Late in the Month of XXXX, XXXX, XXXX of 2020 there is only 30, and 31 days of the months mentioned above which is evident and verified that Discover Bank is in violation of The Truth In Lending Act pursuant to 15 U.S. Code 1666b - Timing of payments. Discover Bank It is absolutely impossible to be Late 120 Days in a month that only has XXXX or 31 days ( Laugh Out Loud ). 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT later than 21 days before the payment due date. Discover Bank I demand you to clarify that you have complied with Federal law 15 U.S. Code 1666b ( a ) and provide me with Documentary Evidence that you are not in violation? Statements are not sufficient enough. I am demanding Discover Bank to correct all errors. You are bullying, extorting me, ruining my financial reputation the way you are furnishing my information. Pursuant to 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. You have no lawful authority to furnish my information, you are doing this to export me and has a federally protected consumer I have rights and you will be held accountable for your deceptive business practices!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
I sent a letter off on XX/XX/2022 Here is my tracking number XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial Institution is supposed to share my information to third party people. These are clear violations of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The Accounts are saying that it's the U.S. Department of Education reporting but there are other companies reporting of the bureau which is fraud. I've been asking for a lawful contract with wet signatures from both parties and a proper bill and record of accounting to assess any damages if there are any. instead my rights are being violated and damaged. defamation of character, identity fraud and more. I am getting reports from CRA 's with different addresses that I've written to all of the concerning this matter and most of them are returned or are being answered by other companies. GREAT LAKES HIGHER EDUCATION CORPORATION AND AFFILIATES wrote saying they had " uncontested wet ink documents '' and also said they sold information or sent information to another servicer fraudulently. I've never seen a signed wet ink contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Nelnet, Inc.
State: AL

Complaint narrative:
In according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.

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 2022-05-29 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: FL

Complaint narrative:
Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a joint bank account with my wife, and we received authorized Unemployment benefit for my sister in law and authorized by her. The Bank has flagged suspected fraud and closed the account and never return the money us. We have visited few times to the branches and they have called to bank security department and promised us they money will be refunded soon with cashier check.

Later i have called many time to speak with bank security department to release this money, they also promised that the money will be refunded with cashier check.

after six month, we didn't received the money than we called again, finally they said they will not return this money because of third party payment. and I have explained them she is my sister in law living with us at same address, she authorized us to take her money into this account, if you want I can send her authorized letter to bank. but they said, let finished the investigation than we will release this money. 

But I was continually contacting with bank but no result or hope. Finally I was very upset than we try to open another account with bank but they denied also they have blocked open account with any other banks. 

I have provided and disputed many times with third-party documents but no favor comes to us and never refunded this money nor allowed to open an account. 

Finally, reporting this issue with CFPB to help us get this fund back and allows us open bank 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 explanation
Consumer complaint received 2022-05-29 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation