vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act and 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 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING 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 the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: PA

Complaint narrative:
XXXX, Transunion, XXXX heretofore ( XXXX ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX  ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.

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 2023-02-05 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:
XXXX, XXXX, Experian heretofore ( XXXX  ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX  ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.

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 2023-02-05 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 XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-05 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 XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX XXXX 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 2023-02-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX 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 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
I received a letter on XX/XX/XXXX from Phoenix Financial Service claiming I owe a medical debt of {$1200.00} from a service from XX/XX/XXXX. The service being referred to was paid for by my medical insurance in either XXXX or XXXX. Phoenix Financial Services is stating they are trying to collect a debit that you owe to XXXX XXXX XXXX XXXX. In the letter, it states if I pay within XXXX XXXX XXXX XXXX, I only have to pay {$890.00}. I do not owe any amount of this debt. This debt was paid in full by my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After reading an article from multiple sources ( XXXX, XXXX XXXX, etc ) I signed up as a new customer for a Citibank XXXX account. They have an excellent welcome bonus up to {$2000.00}. 
The bonus was last year as well and they have restarted it as you can see below. 

Starting XX/XX/2023, I signed up and started making large deposits into the account. On XX/XX/2023 I called customer service to confirm the terms and conditions of the welcome bonus to make sure I qualified. I did. After that I deposited more money up until XX/XX/XXXX to a grand total of XXXX. I actually tried to deposit more money and was stopped from doing so. I called customer service again to make sure fraud or the like wasn't the issue and they couldn't determine why I couldn't transfer any other money into it. My account was blocked from making any more deposits. Since then the money has been sitting. I have made no withdrawals. Not only did I not get my welcome bonus, I haven't earned a single XXXX in interest. I called Citibank XXXX customer service to tell them about the situation. I was given a sorry, can't give you a welcome bonus since there's nothing listed on your account but you qualify for an upgraded citigold account. You may get a welcome bonus but you would have to wait through the period again. 

I then questioned about earning XXXX percent interest on the account. I was told that the interest rate was low so that's probably why I didn't earn anything. I said off XXXX, even if the interest was XXXX I would still earn something. I haven't earned anything. 

Again it was recommended I upgrade which I politely declined. Why would I upgrade and give more business when my initial issues haven't been resolved? 

I was told that a complaint could be input and so I did so. With that Citibank would have held onto XXXX, without paying any interest or bonus for over XXXX  days. Citibank is heavily promoting a deal that they are not keeping. Is that legal?

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 2023-02-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
they cloesed the card after a XXXX  when it was supposed to be incressed

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 2023-02-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy. 

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsfargo mismanagement of account lawsuit

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
The figures didn't add up like 'my money was just disappearing

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 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America keep taking my money from my account

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 2023-02-05 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts. 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts. 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME 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 non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
XXXX  called coustomer service to get billing. some time around the XX/XX/ i do not remember the exact date.they said that it should be mailed out soon. and they gave me the account number and toled me to log in to XXXX to log in i was unable to log in or creat the account. XXXX XXXX  i tryed to log in again to pay on the account and again i was unable to.when i try any thing like loging in or to get account name or password i get this message. '' We can not verify the information entered. Please try again or contact us at XXXX '' also when on the site they miss leading link disguised as links to help you log in.which instead takes you to a site where you need to give them a credit card number to use the site.in witch you have a small box at the bottom with small writing you have to un click in order to no be inrolled in a product the you have to pay after a trial period. i unmarked the box but then imediatly a charge was atempted on my credit card .I feel that the site is fradulent and dangerous to do ant buisness with it is only there to facilate late payment charges with fees and miss lead you into paying for things that you have NO intention on using or paying for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX in XX/XX/2020, disputing the validity of reporting this debt. There isn't any record of any contract or agreement with them and they have failed to provide any proof of validity. I also contacted Equifax, XXXX, and XXXX. There has been a failure of any response. 

They are also been in violation of the recent FTC ruling, by " debt parking ''. I wasn't contacted or made aware of this alleged debt any time prior to it being reported. In the recent case of FTC vs XXXX XXXX XXXX, the court ruled that " debt parking '' is illegal and is a strategy known as passive debt collection. 

debt parking can result in a consumer only finding out that a purported debt exists when his or her credit report is accessed in connection with buying a car or home, opening a credit card, or seeking employment. While the debts may not be valid, consumers can feel pressured to pay them off.

I have sent letters to all credit bureaus and this company and I am being ignored. I do not have the same power as them, but they are affecting my livelihood with something I do not owe. This has been fraudulent, and now they have created a history of using that to blemish my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Google Compare Credit Cards Inc.

Complaint narrative:
Hello, I live in XXXX and i need your help asap. 
Somebody has hacked my identity and is paying with my identity many things and also bank fraud My bank can not tell me know who is doing this. 
So i am researching my self and i see that they work with Google Pay and also with XXXXXXXX XXXX and XXXX XXXXXXXX I earlier purchased a game called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i bought this game on my XXXX but there it doesnt work any more so i was checking my google phone and now i see that they purchase with fake telephonenumbers games and also debitcard. 

Also i can not close the pay account!! 
Could you please registrate this because its almost a fraud about XXXX XXXX XXXX on bank savings. The police in XXXX is alerted but they need more information to catch them Google Pay id : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This number ( tel ) in the account is not mine = XXXX also in bankaccount pay numbers they changed numbers from my telephone number ( its hacked telephone ) into bankaccounts and payment accounts The number mentioned above is not mine My number is XXXX Can you please help me asap, because it is a big fraude and a need you help My emailadres XXXX another emailadres XXXX Thank you very much. 

Best regards. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: VA

Complaint narrative:
TrueAccord has sent me over 1000 emails since 2021 regarding a debt that I have asked them to send information to my address on file and validate the debt is mine by providing a signed contract etc. They only validated the debt via email and continue to send emails to collect the debt.

Company response to consumer: Closed with explanation