vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 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 2023-03-29 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: NV

Complaint narrative:
please delete inquiries

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 2023-03-29 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: OH

Complaint narrative:
No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 6 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
This is a secondary complaint to complaint # XXXX in regards to Transunion 's procedure in case of disputed accuracy in accordance with 15 USC 1681i . I have repeatedly sent notices and documentation to Transunion proving these alleged collection accounts are inaccurate. The most recent round of letters sent XX/XX/2023 went to all three bureaus which included a demand to delete the inaccurate accounts and update my personal information, a copy of my driver 's license with my up to date personal address, a copy of my current utility bill, and a copy of the police report. I meticulously separated each document to make sure all three bureaus had exact copies of all documents. Transunion responded that they did not receive the enclosed police report and is continuing to report the inaccurate accounts, which they previously closed and reopened at their own discretion. XXXX and XXXX immediately deleted the inaccurate accounts and placed a fraud alert, which went out to all three bureaus including Transunion. Transunion 's response was to continue to harrass me for more information instead of performing a reasonable investigation, in which I sent out another recent letter requesting for them to explain in detail the method they used to verify the information they keep reporting as accurate.

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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IN

Complaint narrative:
This complaint is for Global Client Solutions ( GCS ) /Global Holdings specifically as their being a party to collecting illegal fees for the debt resolution company XXXX XXXX XXXX ( formerly know as XXXX XXXX ) After terminating our program with XXXX we became aware of FTC and Consumer Protection and Telemarketing regulations that we did not know about before prohibiting the collection of advanced fees. The basis of the complaint stems from facts discovered for a formal complaint about XXXX engaged in the practice of collecting illegal upfront fees and other fees not associated with enrollment fees or settlement fees and GCS being a party to these transfers to them. 

Several documents were discovered that filed legal action and judgments against GCS in the past for such illegal business practices. Attached are ( 4 ) items, a formal complaint and judgment that were initiated by the CFPB in the past as an example that GCS has participated in this business practice in the past and a copy of their payment schedule from our XXXX program and a copy of the statement for the first 5 months showing the transfer of advanced fees being charged by XXXX. This complaint is because GCS is still participating ( with XXXX ) in this illegal business practice, knowingly and willfully aiding in the transfer of illegal funds to debt relief companies. 

As GCS was ordered to stop these kinds of business practices with debt resolution companies and with a detailed process for them to evaluate a debt resolution company, it is apparent that they have disregarded any legal order and are still knowingly and willfully engaged in the practice of assisting in the transfer of illegal fees as they were with our program from XXXX, XXXX to XXXX, XXXX. This statement being from the fact that XXXX has been shown ( by the Wyoming Supreme Court ) to be a debt resolution company and not exempt from any FTC, Telemarketing and Consumer Protection regulations as they are not a law firm or do business as such. As outlined in the ( attached ) previous complaint against GCS the activities associated with that case are identical to the activities we experienced with XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at Exter Finance and/or XXXX intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. Exter Finance and/or XXXX falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
there are several accounts that should have been removed and I've tried several times they just keep showing up they are not mine and no-one does a thing about it and the dates change all the time and I can't get a credit report they keep refusing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was told on multiple occasions the charge for two flights on this credit card would be credited to my account, since we were unable to fly due to being XXXX positive. On my last complaint I received a call asking if I was ok with them crediting me for the flight off of my credit card. They still have NOT processed the credit. This is borderline fraudulent now, since they have agreed at least twice now to take the charge off of my card. However as of today, I still have a $ XXXX balance for something that didn't take place and that I called to canceled before the flight.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo complaint Spoke to XXXX who transferred me to XXXX in the complaint dept Issue Requested {$1200.00} to move from WF to XXXX XXXX on XX/XX/XXXX The money left WF on the XXXXXXXX XXXX XXXXXXXX and was not received by XXXX XXXXXXXX until the XXXX XXXX XXXXXXXX I decided to test money movement the other way. On XX/XX/XXXX I asked to transfer {$100.00} to WF from XXXX XXXX and it was posted into WF in one day on XX/XX/XXXX In speaking to XXXX I told her that I wanted to find out which government agency I could report this to as it appears at though WF is using my money. 

Also Wells Fargo requests that their credit card payment to the Active Cash WF card be in four days before the account closes. The money is going from Wells Fargo to Wells Fargo and on the bill pay web site it says same day transfer. Again they are using my funds.

Why does the money take one day going in to my account and 6 days to post to another bank. They should be sending bank to bank electronically. 
CASE NUMBER XXXX XXXX She told me that I would receive a call within 10 days

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 2023-03-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

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 2023-03-29 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: IL

Complaint narrative:
File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

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 2023-03-29 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: IL

Complaint narrative:
File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2023 received notification from credit monitoring agency that a new collection in the amount of XXXX to Resurgenct Capital Services. The amount owed to XXXX was submitted and paid on the same day. I have also sent an email to the company requesting they review as payment was made to XXXX not the collection agency. I also requested that the debt be removed from the credit report because it is now showing as inaccurate as the account has been paid and closed per creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
2021 i settled the credit card payment with credit report, but credit report have not deleted the report our my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX  Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 6 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am banking with Chime online bank. Someone got into my online banking app at the end of XXXX and they made a transaction for XXXX at the USPS PO in XXXX XXXX, Florida. The bank did credit back that money on XX/XX/XXXX. The bank was supposed to have that merchant blocked at the beginning of XXXX but they did not have them blocked. When I gotten paid at the end of XXXX someone broke into my account after I received my XXXX deposit and I paid my bills other than my rent. The only reason I couldnt pay my rent was because I couldnt make it to the ATM machine because of the severe weather and police advisories. I filed a complaint the same day that I seen the unauthorized transaction on my account and they had to wait 3 days for the transaction to be processed. So after that happened I filed the dispute against the transaction made. I also filed a police report and the report number isXXXX. The officers name was XXXX XXXX. I am on the 4th rebuttal now and the bank refuses to give me my money back. I have sent them all I can and am doing all I can. I have my rent that has to be paid for XXXX. Now XXXX is due and I dont have the money to pay 2 rent payments. The bank should of not let this happen because they were supposed to have this blocked. I dont know what else to do I would never make this kind of charge to a company like that and I have never been in these states so I hope that this will help me get out of this situation. Thank you.

Company response to consumer: Closed with explanation