vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX and XXXX are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX and Experian are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/23 via XXXX marketplace a buyer contacted me to purchase two XXXX  I had listed for sale. The customer and I communicated via XXXX chat. He said he had been banned from using XXXX for payments and would like to pay me via paypal. I said that was fine. He sent me a total of {$720.00} for two XXXX. Before shipping out I contacted the customer to make sure the address provided was accurate. The address I had was in XXXX, WA. The customer said that he would like them shipped to another address in XXXX XXXX, TX. I have records of our communication. I confirmed once again this address in TX was accurate and explained that once shipped out I could not replace, or refund if the address provided was not accurate. He confirmed the address in TX was correct. I sent out the XXXX  and provided tracking. The items were delivered on XX/XX/XXXX. The seller opened a dispute in PayPal claiming he did not receive the XXXX. PayPal asked for proof of shipment I provided the tracking number, Paypal requested proof I sent to the address so I sent the shipping label image which shows the address that was provided by the seller. I also sent a copy of our chat which shows the seller asked me to change the address from XXXX, WA to TX. Paypal, ruled in the buyers favor. I have since learned that this is a common scam, scammers have learned to take advantage of PayPal, they will deliberately ask for a different address to ship to, and then will open a dispute so that they get refunded and they also get to keep expensive electronics, leaving us businesses or sellers out of luck. Paypal advertises safety policies in place to protect buyers and sellers but it seems the only people that their policies protect are scammers who know how to take advantage of their system!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Multiple inquiries on my XXXX report that I did not authorized. 
ONEMAIN 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was a victim of identity theft. I went to USbank and told them and showed them that I had filed an FTC complaint. They froze. my account but me in collection for the residual even though the people that deposited the checks were the fraudulent people that wrote them!

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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This incident occurred today XX/XX/XXXX been roughly XXXX to XXXX XXXX. I was talking to someone on XXXX and we exchanged photos and he was asked for my number to take it to text. He eventually texted me sending multiple threats about exposing me and threatening to send my photos to my family and too post it all over the Internet. I sent the individual who went by XXXX XXXX separate payments the first was over XXXX through the Chase app. For {$300.00} and then an additional {$200.00} then he requested more with more threats so I sent him 2 {$100.00} payments through XXXX XXXX. So a full total of {$700.00}. He continued with the threats and my colleague overheard a lot of what was going on. After hanging up and not answering he has since stopped. When I called Chase customer service they said they will file a claim but they couldnt and wont do anything about it. I called multiple times hoping someone could help but they didnt I was completely scammed and terrified. I asked to escalate the situation but they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA 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 non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA 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 2023-08-25 00:00:00
Product: Credit reporting 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.

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 explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I found a student loan on my credit report. I am XXXX XXXX XXXX and I have not ever had a student loan in my life. I disputed it and they still say it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
- purchased sofa and loveseat on store. credit card. Found som accessories which was a separate purchase utilizing a debt card Since the furniture was on back order the accessories were ordered and scheduled to arrive the same time as the furniture since there was only one in stock. When I picked up the accessories I noticed the paid in full accessories were charged to my new credit card and the payment for the items was used as a payment after I brought it to their attention. This clandestine act makes the items that were paid in full an interest bearing purchase. Tried 5 times to get this fixed to no avail. They would not take the items back nor would they adjust the bill.

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 monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
GM Master card was transferred to Goldman Sachs and two {$40.00} fees were added to my account because I was having difficulties paying this account. I requested a courtesy waiver of the fees to allow me to be able to pay this account off. I was told the fees could not be waived but no real explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX SHAME on you : CFPB for not protecting my rights as a citizen within the State of Texas. 
I last contacted CFPB on XXXX regarding my claim, against these fools that keep sending me Harrassment, malicious Letters and Lawsuit, attempts. 
CFPA~ you failed to protect me from this malicious Company that is trying to collect a debt that is well over 10 years old ; You ( CFPA ) contacted MIDLAND CREDIT MANAGEMENT , LLC Complany, and you proceeded to just close my complaint, when I last filed my last complaint report with you ( CFPA ) back in XXXX, and you proceeded to just ignore my complaint case in XXXX. 
Here I am on XXXX XXXX reporting this metastizing company ( ( MIDLAND CREDIT MANAGEMENT LLC ) that will not leave me alone, on a debt they purchased back in XXXX, with XXXX XXXX XXXX, the debt is approximately over 10 years ago ; XXXX, please do something for an elderly XXXX yr old woman, that should not be going through this type of harrasment from ( MIDLAND CREDIT MANAGEMENT LLC ) if you would have taken care of this problem back in XXXX, on my last complaint to CFPA, I would not have to be re-submitting another complaint with CFPA. 
Company : MIDLAND CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX XXXX According to the Statue of Limitations in Texas, no debt can be attempted to be collected after 4 years. Also Regulation F came into effect in XX/XX/XXXX. 
This debt is well over 9 years old, and all three credit bureaus XXXX XXXX XXXX have no history of this debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
Reached to get the 1099c and never got a response If, after any reinvestigation under paragraph ( XXXX ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall .... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that the information as appropriate, based on the results of the reinvestigation, and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found a student loan on my credit report. I am XXXX XXXX XXXX and I have not ever had a student loan in my life. I disputed it and they still say it is mine.

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 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I work for XXXX XXXX, and our receptionist just routed me a call from a debt collector named Midland Credit Management. I have no idea who these people are, and am not aware of any collections on my credit report. I am livid that they would have the audacity to contact my employer. When I told them to never call my employer ever again they just deflected so I hung up on them. No debt collector can ever contact my employer, and I would never give any third party company permission to contact me by other means aside from my personal cell phone. This could've gotten me in serious trouble as it would be highly frowned upon if I had debt in collections in my role. Please have them cease and desist all future contact with my employer in perpetuity. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
5/3 Bank charged me {$30.00} to send my debit card express mail to me. Their customer service told me XXXX receive my debit card in 2-3 days. Its already been 5 days and I havent received my card. I requested the bank to refund my {$30.00} express mail fee and the bank will not refund. Why should I pay {$30.00} for an express service that I did not receive?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank closed my account for no apparent reason and is not willing to disclose the reason why. I spoke with them multiple times, but all I got was " we are not legally obligated to disclose reasons why ''. I am still in shock and disbelief that this is happening. Not sending any notices or warnings prior to closing one 's account is simply bad business. I would appreciate if this could be investigated further, so that I at least know why they decided to take such a serious step. I have never heard of something like this happening and am in complete shock since this will put me in a disadvantageous position financially and impact my future significantly. If there is a way to find out what happened, I would greatly appreciate if someone could get back to me. This is just terrible. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting 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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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