vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX I am a verifiable victim of identity theft and have a Affidavit of Truth UDAAP - were the laws that were broken and or violated I was mislead as a consumer ( UDAAP ) Two crimes happened : 1. XXXX XXXX thru XXXX XXXX XXXX 2. Identity Theft Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations Please verify the signature on the credit application used to open these disputed accounts reported on my credit report is truly mine. 

You can do this by sending me a signed copy of the credit application that was used to pen the disputed accounts. 

Please verify that all the information given to you by the provider and then publish on my report concerning these disputed accounts is accurate by sending me the documents you used to verify the accuracy of these items According to my UCC-11 ( Uniform Commercial Code ) Indexing system I don't owe any creditors.

Your company is a private club and I never gave this company permission to have my information. I have a right to privacy by the 4th and 6th Amendment. 

Your company also outsource disputes overseas which also violates my privacy. 

These accounts are part of a UNJUST ENRICHMENT using debt as a TAX LOSS. List of adverse item : Sunrise Credit Service XXXX XXXX XXXX XXXX, NY XXXX Account Type : Collections Account Balance XXXX Original Creditor : 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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
we received a letter stating we had to pay {$1500.00} for an eletcric bill from a place in Michigan but we live in XXXX Pa I phoned Harris & Harris debt collector, where we got the letter from. 
They told me it was a false collection. 
I phoned the XXXX XXXX XXXX and they told me how to fill out the fraud papers. 
We received the letter XX/XX/XXXX. 
The debt was from a place XXXX XXXX XXXX Michigan XXXX It was for electric from XX/XX/XXXX to XX/XX/XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Wells Fargo promised the ability to extend a 0 % introductory interest rate with ontime payments. A payment in XX/XX/22 was mis-posted by them. They agreed that it was an mis-posting and waived the late charge. They have agreed thee ( 3 ) times to extend the interest free period but seemingly refuse to do so.

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 2023-01-18 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-18 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-18 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: OH

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 confidentially under 15 U.S.C 1681 ( XXXX ) XXXX XXXX XXXX. XXXX ( XXXX ) CXXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: OH

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 confidentially under 15 U.S.C 1681 ( 1 ) XXXX XXXX XXXX. XXXX ( 2 ) XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602 A. states I have a right to privacy 15 U.S.C. section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information.Any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C.1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several hard inquiries on my account from several companies that were supposed to pull my credit and they pulled multiple hard pulls very disappointing

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Somehow, an Amazon/Chase credit card account was evidently opened in my name. 
I have been caught in this for about 4 months. I called Amazon, they said I had to call Chase. I have called them 2 times. They told me that the card would be canceled. I don't even know the card number. They say I owe {$32.00}. They told me they would cancel the charge and cancel the card on both calls. Yesterday, I got the same bill as when this started. I don't know what to do. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-18 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: TX

Complaint narrative:
On XX/XX/XXXX, a pending charge of {$200.00} was put on my account. I called Wells Fargo immediately to advise that I did not make the charge and did not receive the merchandise. I also informed them that I had shut my card off and ordered a new card due to card being misplaced and also getting message that someone XXXX try and charge my card. I also asked them to put a stop pay on this charge and paid the fee of {$31.00} I was also expecting funds of {$200.00} to be deposited into the account from a loan company. Wells Fargo waited until after XXXX XXXX  to deposit the funds into my account and also until after the false charge of {$200.00} had been added so that my account would go negative. 
This was a set up and they deliberately caused my account to become overdrawn. 
So, I need to be refunded the {$200.00} for merchandise that I did not receive and refunded the {$31.00} fee because they failed to stop payment on the charge. I admit that I have not always kept a perfect account but this was a set up and a trap. So, please refund my money.

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 2023-01-18 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have accounts my credit reports from all 3 companies reporting inaccurate information. I have open accounts that show inaccurate information. I also have closed accounts reporting inaccurate information and have made disputes with all three agency 's Equifax XXXX and XXXX that are just wrong and damaging my credit. I have tried disputes and serm to get no where they say they will remove the information and it'd still there. Also Equifax was hacked a few years ago and I have all kinds of inquiries that I haven't done hard inquiries ruining my credit score Under 15 USC 1681 i have the right to privacy and accurate informationand thr right to have all these acvoubts removed from my credit report. Under the law. 
I HAVE 11 ACCOUNTS THAT ARE OPEN AND ARE MOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
I truly dislike doing this, however the encounter I received on yesterday from multiple of Chime employees infuriated me to a point of searching and obtaining an attorney. I'm a small business owner who owns a cleaning company XXXX XXXX XXXX XXXX ) and I currently have a contract with XXXX and obtain future clients for cleaning services. XXXX setup direct payments with the Chime account to receive both instant and weekly deposits. Each deposit was a success until yesterday, XX/XX/2023 when XXXX texted me and informed me that Chime rejected a payment in the amount of {$110.00} ( weekly pay ). I contacted Chime the first representative deemed unprofessional and terminated the call. I called Chime again at XXXX and spoke with XXXX. After my encounter with the first representative, I demanded to speak with a supervisor. XXXX became antagonistic and denied my request until I read him consumer law of denial a customer to speak with a supervisor. After XXXX grueling minutes XXXX ( supervisor ) finally merged on the call. I was overwhelmed with emotions and educated XXXX that Chime rejected a payment of {$110.00}. I continuously read the text message more than 6 times. XXXX informed me that he witnessed numerous deposits from XXXX ( now showing as " XXXX XXXX XXXX  '' ) and he was unable to located the rejected payment. Attached are proof of multiple instant and weekly deposits to the Chime account debit card ending in XXXX with text message from XXXX of rejected payment of {$110.00}. On Attachment XXXX will display the rejected payment of {$110.00} and a note of rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: PA

Complaint narrative:
I have no knowledge of the XXXX XXXX XXXX account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I got a inquiry about a credit card I didnt apply for from capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-18 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-18 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: PA

Complaint narrative:
I have no knowledge of the Radius Global Solutions account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.

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