vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
I need Experian to investigate and change the information that they have. Experian refused to update their system on the exact amount that I owe this person. Every time I file an investigation to have corrections made. They will decline that investigation without sending it to the merchant. Experian is reporting the wrong information. 

About two years ago, I went on the XXXX search engine, I found this website called XXXX located may be in XXXX. spoke with a salesperson and we spoke about the product that they had. My first purchase from them was on XXXX for a XXXX ' XXXX XXXX XXXX. Once I paid for the purchase of the TV, was {$170.00} Shipping & Handling1 {$190.00} The scheduled Delivery is {$49.00} and the total price for that TV is {$1400.00}. I have been paying {$80.00} monthly for this tv since for the past 24 months. This company is still taking money out of my account. Also sending the Credit bureau Experian faults information about amount owe. Experian refuses to fight it either. I need help and last year I thought I was done paying them. I paid another purchase this time for {$710.00} the total price has been past 12 months I still see they have a balance of {$470.00}. They have this business and stealing money from consumers.

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 2022-08-12 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: FL

Complaint narrative:
I have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX called me 4 days ago. They also called my husband my mother in law and my husband 's uncle. Who knows who else. This seemed incredibly invasive considering his uncles name and phone number is no wear near anything we own/have any debt on etc. They called me about an account that apparently had like XXXX I needed to pay. They had it under my old married name which is incredibly weird considering the apparent date it was opened which was XXXX. Me and my husband got married in XXXX why would I open anything I'm my madien name. They gave me an account number which I called the bank about and they can not find that account in their records or in collections. My credit report has no records of it. They have said mail and email has been sent out but we have not received anything. Nothing is adding up at all and it's all super sketchy and 100 % feels like a scam.

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 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2022 I did a balance transfer from XXXX for {$3200.00} which was correctly debited to my Barclays account. XXXX days later, on XX/XX/2022 another debit for the same amount appears on the activity. They doubled up the balance transfer and won't refund or credit the additional {$3200.00} to me. I have called XXXX times and always get a run around like call back later or that I'm mistaken. I have tried to resolve this but to no avail. Please help- 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 2022-08-12 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: PA

Complaint narrative:
I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXXXXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

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 explanation
Consumer complaint received 2022-08-12 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 asked to the credit report bureau verify the information in my credit report about the improper information with 4 accounts.

In according with the fair credit reporting act XXXX  4 accounts has violated my rights XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15  U.S.C 1681 section 602 A. States I have a 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 2022-08-12 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: LA

Complaint narrative:
I XXXX XXXX XXXX, disputed errors with Experian that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Experian Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the fair Credit Reporting Act XXXXXXXX  these accounts listed above 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 statees 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 2022-08-12 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: NV

Complaint narrative:
In reference to complaint # XXXX I received notification that this was a duplicate complaint. It's not a duplicate complaint because I have provided all of the information that was REPORTING INACCURATELY with XXXX XXXX XXXX XXXX. I have sent a dispute to the company and they have failed to respond to me. It has been well over 30 days. Nor have I received a response from Experian. XXXX and XXXX just updated the information but they have not stated why the information was updated especially if the account is closed, how can it be updated? Nor was that the reason for my dispute! 

What was the method used to verify that I was the owner of the accounts listed, and how were they able to update the information to MY personal credit profile? WHERE IS THE PROOF I REQUESTED? Why hasn't it been sent to me as I requested? 

Each day your company refuses to properly investigate this company and the incorrect items they are reporting, is causing me stress. Im asking you for probably the 10th time to please re-investigate the negative accounts that XXXX XXXX XXXX XXXX is reporting. 

How is this right that on each credit bureau they are able to report inaccurate information to my personal credit profile and reports? 

What are your methods to verify the accounts reported and the company reporting? Can you please provide them to me? If not they need to be removed immediately!

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC
State: PA

Complaint narrative:
XXXX XXXX a thief opened up an account at XXXX XXXX XXXX XXXX. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX cents. I called the collections agency MS services LLC. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling XXXX XXXX XXXX XXXX to dispute this. I called XXXX to file a dispute charge on this. Please help me clear this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
I have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hello. I recently started receiving wage garnishments from my job from Midland Credit Management. Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXXXXXX, XXXX MI XXXX. They said I had a XXXX XXXX credit card balance that is now in collection. Apparently this is from XXXX. I never had a XXXX XXXX credit ... nor does any of this appear on my credit report. The also said this matter went to court and a judgement was placed against me in XXXX. I was never served any court papers, therefor never went to court on this case. I had no idea there was a court case, judgement against me. 

I also called the courts and they said this is such an old case and there is not much I can do, but hire an attorney. I don't have money to hire legal aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have disputed this capitalone Walmart card on XX/XX/2022, XX/XX/2022 in XXXX has refused dispute or delete this account. I asked for capitalone and XXXX to send a signed contract and I have not received anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello Ive been having someone trying to open accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents below includes the following. Thanks

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 2022-08-12 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: LA

Complaint narrative:
I XXXX XXXX XXXX, disputed errors with Equifax that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Equifax Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: NY

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 2022-08-12 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: NY

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 explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NY

Complaint narrative:
Hello. 
I had charges that did not belong to me & direct express has not helped at all. They denied my claim even when the companies in question tried to intervene. 
There were numerous charges but my concerns were of higher amounts. 
To begin, XX/XX/2022 a charge to XXXX for XXXX ( I haven't had XXXX in years ). 
2 ) A charge to XXXX for XXXX ( never heard of them ). 
3 ) A charge to XXXX for XXXX ( I have never ordered from XXXX online ). 
The first 3 charges were made on XX/XX/2022. 
Then XXXX XXXX for XXXX on XXXXXXXX  on XX/XX/2022 two charges, 1 for XXXX & the other for XXXX. 
To clarify these were not mine. In fact when I called to notify direct express they were quick to cancel my card and charge XXXX for a quick air delivery replacement card. I also have so many little charges from XXXX XXXX among other smaller charges. The company has been nothing but rude while I have tried to remain kind. 
Any help at all would be so appreciated. 
Thanks so much. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: OR

Complaint narrative:
After 1st initial call, I had a conversation an told them I would contact them when I'm able. They say their feom Omnipoint. I told them to leave me alone. They call from different numbers so blocking doesnt work. Now I get XXXX calls a day!! They won't stop even when I added the stop in my voicemail recording.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: LA

Complaint narrative:
I XXXX XXXX XXXX, disputed errors with Trans Union that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Trans Union Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA

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 2022-08-12 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/2022 - I have disputed the claim with the credit bureaus. 
This company XXXX XXXX just showed up on my credit report. I have not ever signed a trade agreement with this company. 
The amount of the claim is {$580.00}, I have not received any goods, or traded services with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello In XX/XX/2022 there was XXXX fraudulent charges done through XXXX XXXX. My bank account was wiped out. {$3600.00} to be more precise. The XXXX transactions were all done in a matter of minutes and Wells Fargo bank called me to try to put an end to transactions but the account had already been wiped out within a matter of minutes. Wells Fargo has denied my claim simply because its XXXX wallet that was used. This is inexcusable and ridiculous that my bank Wells Fargo is trying to just brush it off like nothing happened. {$3600.00} is money I had been saving for a long time now. And its gone just like that. I have been with Wells Fargo for many years and have never needed them for anything until now. Wells Fargo is really trying to brush this off to the side but I refused to let this injustice just slide. Please help me

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 2022-08-12 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: DC

Complaint narrative:
The date was XX/XX/2022 I send off a letter about Inquires. I never got report about the Dispute and the False Inquiry was not remove from my credit report. Equifax is in Violation of this they aer reporting false, misleading information on my credit report. 

All inquiry did not consent to unauthorized inquiry All inquiry are misleading false fraudulent reporting Under 15 U.S Code 1602 ( p )

Company response to consumer: Closed with explanation