vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
This account was paid. Ive contacted XXXX, XXXX and Continental Finance on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from XXXX and 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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I had made a dispute with Wells Fargo bank ( Claim Number : XXXX ) on me never receiving fund from a return shipment I had provided the order number and information on returning the products the bank will not accept video proof of me giving the carrier. I did everything on my part to now I am a victim of the bank and {$1100.00} in the hole because the bank needs more proof which I could have provided for 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 2023-08-30 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: MO

Complaint narrative:
Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. XXXX reports date open XXXX. Transunion reports date open XXXX. XXXX states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. XXXX reports date open XXXX. XXXX reports date open XXXX. Equifax states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Porsche Financial Services, Inc.
State: OH

Complaint narrative:
I did a 1099 A form that was approved by the IRS on the XX/XX/. It was mailed to the company. They havent updated my account to paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am submitting this complaint to COMENITYBANK/JARED due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: VA

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
This was the same amount disputed from a previous company that falsely reported I owed {$230.00} cable bill from XXXX. This was already removed from my credit report. I never had cable with XXXX XXXXXXXX XXXX 
This account was reported opened on XX/XX/2023 and sent to Credit Management LP collection company. This company has never shown proof that I used my social security number to get cable. I dont even have cable. This company is reporting this erroneously on my XXXX  and XXXX report negatively and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
I received a letter dated XX/XX/XXXX from Phoenix Financial XXXX XXXX XXXX, IN seeking to collect {$69.00} from me for services rendered back on XX/XX/XXXX - almost 10 years ago. I had paid my medical bill in full. This issue also past the statute of limitations for medical bills in XXXX Phoenix was told to cease and desist this practice back in XXXX, but continues to try top take advantage of senior citizens. Thank you for your work to combat these deceitful practices!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the past year, I experienced identity theft and was notified in a very timely manner by XXXX, with whom I have a credit monitoring contract. I also filed a notice on TransUnion, and checked XXXX. My complaint is that I froze my files on XXXX- why wasn't than extended automatically to the other two credit agencies? It is a burden on taxpayers like me to have to make sure that all three agencies contain the same information, and that my files are locked on all three. Given the increase in credit card fraud, It would be prudent for you to look at consolidating some of the features across the board, and it would benefit the users of credit cards. 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have mailed and completed online disputes on my credit report for the following debtors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested to receive documents that have my wet signature that I entered into a contract with, and never received documents. Account with XXXX XXXX has been paid in full and have no late-payments and the company has been reporting incorrectly for the past year. I have submitted and emailed reps at Experian with proof that the car was paid with a trade in purchase from XXXX. XXXX XXXX is an issue of identify theft and have reported to proper channels this debt has been removed from XXXX and XXXX but yet remain on my report. The other accounts listed I have no knowledge of and are identity theft because I have no knowledge and have made no dealings with these companies

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 2023-08-30 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:
Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now quarrel versus the reportability of your claim ( s ) until it's definite that privilege to report was executed adequately and in a validated and chronicled testimonially compliant manner, even to the mandates in accordance with the CDIA required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now litigate the reportability of your claim ( s ) until it's decisive that privilege to report was executed adequately and in a proven and authenticated certifiable compliant manner, even to the mandates in accordance with the CDIA required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.

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 2023-08-30 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
My rights have been violated numerous of times. 

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

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My rights have been violated numerous of times. 

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

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : XXXX XXXX XXXX, 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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America opened a credit card account in XXXX of XXXX  without my knowledge or permission. They used a XXXX party that resulted in a hard pull on my credit report and they haven't corrected it even after I brought it to their attention. 

I received a credit alert from my existing accounts that I had applied for a credit card. Since I hadn't applied for credit I initially believed this was an identify theft situation and I locked my report and asked Bank of America to correct my report. 

Only after a significant amount of time and reading stories about how Bank of America was opening accounts without customer permission did I realize what had taken place. 

I have multiple personal and business accounts with Bank of America so this remains shocking that that they would do this to 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 2023-08-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-31 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX I fell victim to a XXXX scam. The scammer was posing as a Wells Fargo fraud prevention representative and contacted me regarding suspicious charges on my account. My wife 's credit card had been recently compromised and so I was inclined to believe the scammer since we had just gone through this with her card. After verifying my account information, he gained access to my online banking account and the scammer performed a Cash Advance from my credit card to my checking account in the amount of {$580.00}. The scammer then set up a XXXX money transfer from my WF checking account in the amount of {$2100.00} ( the entire balance of my checking account now with the Cash Advance ). After the payment went through he hung up the phone and I realized I had fell victim to a scam. 

I immediately called Wells Fargo and spoke to three representatives who wrote down the incident and filed claims on my behalf. 

On XX/XX/XXXX, I received two letters in the mail regarding my claims. The first letter said that the Cash Advance could not be reversed as there were insufficient funds in my account ( obviously since they were all stolen ) and that I was obligated to pay the amount off on my credit card with my own funds ( which I don't have ). 
The second letter I received was regarding the {$2100.00} XXXX transfer and Wells Fargo states that they will not reimburse me for the stolen funds as I " approved '' the XXXX transfer and it was conducted properly. 
Wells Fargo stated in the letters that the claims have been closed and resolved but I feel like I have been scammed twice now.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a Chase Freedom Unlimited credit card in the mail on XX/XX/2023. I never applied for this credit card, so I am concerned of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint to CAPITAL ONE due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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