vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 1. Account Name : USDOE/XXXX  Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # 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 2022-08-25 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:
THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. XXXX. Account Name : USDOEXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: VA

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have one existing credit card that shows late payments it has never been late one that was paid off and closed and it shows that it is still open by JP Morgan and that it was just a debt that was settled we paid it in full and I close the account because I didnt want to deal with Chase Bank anymore it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello : During XXXX of 2022 I noticed that my Experian Credit Score was no longer available. I then received a letter from a credit card company claiming I was deceased. After checking with the Social Security Administration and learning that there was no information leading to me being deceased while checking with FICO who also said they had nothing on me being deceased I later learned after speaking with Experian that XXXX XXXX XXXX is the credit card company responsible for claiming I was deceased. I never had a XXXX XXXX XXXX  credit card and told them this numerous times. 

XXXXXXXX XXXX XXXX should not be in the business of pronouncing someone dead when they are unable to retrieve debt. That's not the right way to go about the problem. I need XXXX XXXX  to make things right and report to Experian that I am alive and that the amount owed is XXXX. Nothing more. Nothing less. What they did was fraudulent and harmful to my credit report. Their privileges of reporting to credit reporting agencies and issuing credit cards should be terminated. 

Thank you. 

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 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I received a call regarding an old lease that I was unable to keep up with the payments due to health issues and my car taking sufficient damage I tried everything I could to catch up with the payments to property and even went as far trying to work out a larger payment plan along with the rent but they just kicked me out. 
Going in a year down the line I received a call from IQ international debt collections who reached out to me regarding the costs to property and the sum they were requiring me to pay and the conversation didnt start off too bad leading into the conversation it did get a little intense some curse words were being said I apologized multiple times on my end because that agent did not deserve to listen to my complaints she was just doing her job but past that I hung up because I wasnt in listening frame of mind I just needed answers that she was not willing to provide, so I call the next day again apologizing for my actions/verbiage on the last call and this agent ( male ) was very aggressive and kind of threatening he refused to help me was very rude the entire time demanding information even made the threat to withdraw funds from my check and went as far as to say they would take me to court so after a brief exchange of words back and forth the call was ended by the agent, and me thinking it got disconnected I called back at the extension he gave and that call did not go well at all he started screaming when he answered would not reason with me kept demanding I give him information I did not need to provide and continued to threaten legal action towards me and when I kept asking questions for more clarity just trying to show that I willing to be compliant he hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I made deposits totaling {$30000.00} to my Chase business checking account. Of these checks {$12000.00} were made out to my newly opened company called XXXX XXXX. The other {$18000.00} were second party checks and were given to me as payments which I deposited into my Chase business account. Chase then froze all the {$30000.00} that I deposited and didn't allow any of the amounts to clear into my account. This included the checks that were made out to my business name. They said that this was due to their need to verify the second party checks and as a result until the checks are verified they are not going to release any of the money. The checks ' money was taken out of the original payers accounts and not released to me as such that I can not even ask the original payers to reissue me a check as they said the money was removed from their account. I spoke with Chase multiple times for a few hours each time and asked them why they don't release the money to me. They said we have to verify the checks and each time I call they claim to be verifying the checks as we speak. Each time they said they verified some but not all of the checks and until they verify all of them they can not release any of the checks including " the ones made out to my company that aren't second party checks which were verified ''. The next time I call however they have to reverify everything from scratch as if they never verified anything and they never finish verifying all the checks and don't verify unless I call them so at this rate I will never get my money back. I tried explaining to them that they should at least release the checks made out to my company but to no avail. They closed my account and as such I also don't have access to my info and statements. This has caused me tremendous financial damage to both my company as this is a fairly new business and this harms my day today operations in my business. as well as to my personal finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
I have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. 

Similarly, I disputed the validity and accuracy of the account for XXXX  XXXX XXXX  on my consumer credit file, requesting physical information, which was never received, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never gave any consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file.

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 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Zelle user and transaction fraud/scam. XX/XX/2022, I was in contact with another person from the app XXXX in regards to XXXX pair of pants bundle for {$30.00} she was interested in buying. She was unable to pay via XXXX  through the app and asked to pay through other ways. She mailed a check and it was the amount of {$1400.00}. I only wanted {$30.00} and wanted to return the {$1300.00}. This person asked for me to send the remaining amount of money through a third party ( her attorney ) as thats where the additional money originated from. Check was deposited into my bank account on XX/XX/2022 and was approved. Money was sent through Zelle XX/XX/2022. XX/XX/2022 Check was bounced back and additional {$1400.00} was taken out of my account. Person will not answer me on all emails and phone number. I ended up loosing {$1300.00}. Attached included fraudulent account holder for Zelle XXXX XXXX XXXX ) and her information, as well as fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I made an online payment to Wells Fargo of {$250.00} thru the Wells Fargo Mobile App on XX/XX/2022. On XX/XX/2022 Wells Fargo took an additional {$3200.00} from my Bank Account as an " Auto Pay. '' When I called Wells Fargo XX/XX/2022 that I did not authorized an auto pay of {$3200.00} and asked them to reverse the charge, they said it would be done in a couple days. I asked them to explain to me why {$3200.00} was taken from my account as an XXXX XXXX and they claim that I set up auto pay for the statement balance. That is not true. Further as of XX/XX/2022, they have not returned my funds and when I called, they are now trying to tell me that they have to " research '' this and that it will take until XX/XX/XXXX, and that additionally since my bank account is a non Well Fargo account, it will take an additional 11 days to return the funds. Further, when I now go into the mobile app and the desktop computer website, I am not able to change the autopay??? How is it that they can take money from my account in hours yet take 27 days to return my funds from my initial request on XX/XX/2022. They claim to be doing the best that they can. Really? If they are doing this to me, I am going to say that it is more likely than not, this is their standard way of cheating customers. Seems to be a pattern Wells Fargo. Lastly, when I asked to speak to a supervisor, I was told it would take up to 48 hours for a supervisor to call me back. How can this be possible that they can hold my funds for 27 days? I am not getting clear answers from them and the story changes from one day to the next. They refer to their " process '' yet can not tell me what that process is nor be held accountable. You can do better Wells Fargo and you need to do better.

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 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX Employee ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Account 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 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 2022-08-25 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
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 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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been trying to obtain signed contracts for multiple accounts that have been opened using my personal information without my knowledge or consent. I am looking to press charges and I need this information to do so. I have been trying to get this documentation for months now and have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted Experian, XXXX, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.

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 2022-08-25 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: TN

Complaint narrative:
These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

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 non-monetary relief
Consumer complaint received 2022-08-25 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. The company never removed the errors from my report.

Company response to consumer: Closed with explanation