vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 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. I NEVER gave XXXX  XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. This has caused severe stress and anxiety due to the abusive and unfair practices. These accounts are listed with late or missed or delinquent payments and that is incorrect. The following accounts were never late and should be listed as PAYS or PAID AS AGREED/CURRENT.. XXXX  XXXX Auto Finance # 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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC 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 explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Experian was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, please provide me with the debt validation that includes the original contract. I have yet to receive any form of the original contract. Per 15 usc 1692 you have willfully and non-negligently complying with the federal law by reporting inaccurate and invalidated information. Per 15 usc 1692 ( f ) this is an act of unfair and deceptive practices by failing to provide and honor my demand. 
You have 30 days to respond to this issue. It has surpassed 30 days and I still have yet to receive proper validation of this debt. Please provide me with the E & O insurance number to proceed with this litigation process. I demand immediate deletion of this 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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo has my account frozen with over {$3300.00} in it. Asked me to submit my ID.. I submitted my ID. Over a week later they tell me they can't accept my ID ( although it's valid and not expired ) and asked me to submit my ID AGAIN and then take a selfie with it. I did the same day. Once submitting these documents, again DAYS later I get a response that they are closing my account- and can't tell me why. They then say I can't access MY money for over 180 days. This is a reoccurring issue with them. They lock users out of their accounts, don't verify why and say they can't tell you why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : 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 instruction 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.

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 2022-05-18 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: IL

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 XXXX XXXX XXXX. XXXX  Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : 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 instruction 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dimand Law Offices, P.C.
State: DC

Complaint narrative:
Agreed to remove a debt that was caused by identity theft. 
Failed to investigate identity theft Agreed to remove item from credit report because they could not provide a copy of a contract with my signature. Item removed from report and the record will show from my previous complaint onXXXX XX/XX/2021. On the record XXXX agreed too remove the items and out of spite passed the item to XXXX law firm that filed a lawsuit in a state that I do not reside in. All 3 parties are conspiring on XXXX and XXXX  people to try and stiff arm them to pay a bill that does not belong to that person. All three parties should also be dealt with by the FTC. 

Besides the above issues the credit card debt in which they have filed against me is in a state that I do not reside in. I have not resided in that state in the past 7 years. The state in which I resides only allows three years to collect on a credit card debt from the time in which it was delinquent. The statue of limitation for my state that I reside is 3 years and that 3 years have passed by. 

XXXX, Dimand Law, and XXXX XXXX Consultant are running an deceptive STRONG ARM enterprise trying to strong arm XXXX and XXXX  people for credit cards that were a result of ID theft. All three parties need to be reported to the FTC immediately because all 3 are deceptive in nature. I clearly told XXXX at Dimand Law that I do not reside in the state of Illinois and gage pursued a lawsuit any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Amount : {$490.00} Date : XX/XX/XXXX 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 2022-05-18 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: 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 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company fails to remove an account off my credit report, even after providing me a letter of deletion back in XXXX. 
Attached is a copy of the letter of deletion, however, when I called the 3 credit bureaus, they said they had received NO notifications from CCS to delete

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 2022-05-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX XXXX XXXX XXXX- Account Number : XXXX and XXXX XXXX XXXX - Account Number : XXXXhas 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 instruction 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.

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposited a check at a chase ATM on XX/XX/13 for more than XXXX. It was deposited and seemed fine, the next morning Chase debited the money back from my account, and I have not seen that $ since. The check was from my insurance company for IDA damage and the hole in my roof, I have no idea where this check is and how Chase has the authority to take such a large amount from someone with no apparent tracking system. That was 4 days ago and I am still waiting on XXXX, which is what they claim will deliver it, why they took it from my account has not been explained other then " there was a problem ''. I needed this check last week and Chase is acting like I committed a crime or something just by asking, I was on the phone with them for 4+ hours straight, was hung up on, put on hold for hours, and basically treated like garbage when I literally need to know where my XXXX is. I can't be the only one they are doing this to. I had to cancel the roofers and now have further damage to my home, all bc Chase decided to take my check back, for no other apparent reason than it was a large amount and they wanted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Conn's, Inc.
State: SC

Complaint narrative:
On XX/XX/2022 around the time of XXXX XXXX XXXX. I spoke with a gentleman from Conns XXXX XXXX. I was at work at the time of the call. This was a very inconvenient time for me. 
I told him I was at work and he persisted to ask me to pay the amount I owed. 
He was very rude in using obscene and profane language towards me, This is a violation according to 15 USC 1692 ( d ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader He asked me when do you get payed. You owe and debt and you havent paid it how do you want to take care of this. 
This is another violation because begin to annoy me. 15 USC 1692 ( d ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

I then proceeded to ask for a supervisor, at first he wouldnt let me talk to anyone. Then he transferred me over to his lead name XXXX. 
When she got on the phone she never said anything about this is an attempt to collect a debt neither did the first guy I spoke with. XXXX began to be rude and started using obscene language towards me and begin to annoy me.This is a violation according to 15 U.S. Code 1692 ( d ) ( 5 ) After this call was over I was very disappointed in the way I was treated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: CA

Complaint narrative:
I have already submitted a Complaint to Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I submitted the proper forms to Optum financial to transfer the balance of my XXXX XXXX balance that was held by my former employer to my new XXXX XXXX institution XXXX  for my new employer. I submitted the form in XXXX and have followed up approximately 10 times and over 10 hours on those calls. One day I spent over 2 hours waiting on hold and finally demanding to speak with a supervisor named XXXX who looked at my form and assured me they would process the payment in the next few work days. That was 2 weeks ago and I've followed up a couple time with them and asked them to flag XXXX to get me an update. I have heard nothing back and my transfer has not been initiated. Their phone number always has a long wait, I've asked for my item to be escalated, but there is no movement or follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have some fraudulents accounts in my credit profile that i been disputing and i had sent the three credit agencies experian, XXXX and XXXX  a FTC report like Early XXXX as my ftc report showed, and some disputing letter on XXXX XXXX been victim of identity theft and i have 4 negative items on my report on experian, XXXX and XXXX that XXXX do not know where they Come from.i need them to be delete.their investigation took more than 30 days and they violate my right by keeping those in my report. 
I hope you can be the voice of People like me Who get abuse by some agencies out here. 
Thank you.

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 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
{$30.00} owed to collections, cental state recovery. I already paid my medical bill Friday XX/XX/XXXX paid the amount of {$340.00} recept number XXXX. I did not recive adequate notice of another amount owed to anybody beside the original medical bill, now I have a separate bill in collection. To XXXX XXXX XXXX account number XXXX. They did not provider adequate information before submitting to collections. Aggressive billing and submitting to collections without adequate notifications. Do I have any other form of complaint that I can file? Date of incident is today XX/XX/2022 the amount owed supposedly owed since XX/XX/2022 is {$30.00}, not enough time from bill to collection warning very aggressive and wrong!

Company response to consumer: Closed with explanation