vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY.

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXXXXXX XXXX XXXXXXXX : 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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a JetBlue credit card through Barclays Bank Delaware on 2 recent occasions. Initial application said it required further investigation. I then received a letter asking me for copies of my drivers license and social security card which they requested I mail to them. That is a very unsafe way to send that information. I reapplied a few weeks ago and received another letter stating I was being rejected for : Too many recent applications. My credit score is XXXX and I have a net worth of {>= $1,000,000}. I have no debt. I have over 6 other credit cards and am never delinquent. I wanted the JetBlue card because my daughter lives in XXXX and I fly on Jet Blue from XXXX. I believe I am being discriminated against because of my age ( 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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am filing a complaint in response to my previous claim number XXXX Claim XXXX Wells Fargo stated , " Based on the information provided and our research, our Claims Assistance Center completed their investigation and it was determined the transactions were authorized, and no error had occurred. During our investigation of the claim, we have determined that the merchant obtained a valid authorization for the full transaction amount in Visa for these transactions. Based on this information our Claims Assistance Center '' Claim XXXX Wells Fargo states, " Based on the information provided and our research, our Claims Assistance Center completed their investigation, and it was determined the transaction was authorized, and there was no processing error.Please note, based on the information at hand, no new information has been made available to determine that a merchant error occurred, or to be able to continue any dispute. '' Claim XXXX Wells Fargo states, " Based on the information provided and our research, our Claims Assistance Center completed their investigation, and it was determined the transactions were authorized, and no error had occurred. On XX/XX/2023, the claim was denied and closed, and a letter was mailed out to the address on file on the same day. 
After our research we have determined that the merchant obtained a valid authorization for the full transaction amount in Visa for these transactions. Based on this information our Claims Assistance Center reviewed the claim and determined there was no merchant error, and the merchant obtained valid authorization to charge your card. As a result, your claim was denied and closed. '' Response : At first, my claim is about merchandise/service not received for which I have provided the documents to the best of my ability including conversation with the website where I made the payment, email from the website and picture of my account disabled. 

Wells Fargo has not even made an attempt to reach out to the merchant and ask for the documentation and have come to their own agreements stating the the merchant transaction was valid. 
Consumer is complaining for a reason and has provided the documentation and constant email and chat conversation yet Wells fargo has decided to overlook these documents. 

Can Wells Fargo please explain how they can make assumptions that the merchant provided services without trying to question them when your customer has been complaining for 6 weeks and has provided documents for your every request. 

I do not have documents of my account not showing online credits as the merchant has deactivated/disabled my account so I can't win the case.

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 2023-06-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Claims made in your affidavit, if not rebutted, emerge as the truth of the matter. Legal Maxim : He who does not deny, admits. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX. XXXX See Attached Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
This company is calling family members at work while informing them of my debt. My family does not want to be contacted about any debts that are not regarding them. I haven't received any written communication regarding whatever debts they say that I owe yet they're disturbing family members about the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each Creditor Company to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted Equifax, XXXX and XXXX credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
The creditor never sent me documentation about the debt to my mailing address The last one which I received the email way back in 2021 the bill is {$140.00} I am ready to settle down with the creditor unfortunately the creditor is trying tricks & told pay through the collection & there are charging me {$480.00} extra I am not ready to pay because they are trying to scam me The collection agency is threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
Experian, I have noticed that you all now are reporting a balance on an account for XXXX XXXX that was paid if full inXX/XX/2021. No other credit agency reports a balance. You all did not report a balance until I started disputing your inaccuracies. There was never a dispute submitted for this account nor an investigation requested. Someone did this deliberately as retaliation. You all know this is wrong. I expect the balance to be returned to zero immediately just as you all have had it since XX/XX/2021! This behavior is noted and will be cited in court proceedings. You all will learn to stop using overseas people who hate this country and disrespect the consumer protection laws. This is unethical and illegal. You even put a current date on an account that was paid off and closed sinceXX/XX/2021! This is very low and clearly personal. 

Please see the 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 2023-06-14 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: EGL US, LLC
State: TN

Complaint narrative:
BMG money claims that I have set up payment allotments with my bank!!! I have asked them for the paperwork regarding this bank, they have yet to give me that information. My identity was stolen in 2022 and I have paperwork to show that it was stolen. They have yet to delete this loan off my credit. I have got my lawyer involved and its becoming very frustrating. I have heard so many bad things about this company putting items on people credit that dont belong but I will not allow them to get away with this! I am demanding proper paperwork and also for them to delete this off my credit because it doesnt belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: MO

Complaint narrative:
This account, dating back to XXXX, has been reflecting on my credit report for XXXX years, even though the full payment of {$1100.00} was made. Although XXXX  XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days. I want the account removed not updated.

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 2023-06-14 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:
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 XXXXXXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX 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.

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 2023-06-14 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX  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.

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 2023-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I AM THE AUTHOR OF THIS COMPLAINT AS WELL AS THE ATTACHMENTS INVOLVED IN THIS COMPLAINT I checked my credit report and I noticed a inaccurate account on my report from XXXX XXXX  involving Chexsystems this inaccurate account is causing me stress and XXXX  and it also affecting my mental and financial health

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 2023-06-14 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-06-14 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: MO

Complaint narrative:
XXXX XXXX investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on XXXX XXXX investigation. 
XXXX XXXX loan XXXX ( XXXX ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( XXXX ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXX loan XXXX ( XXXX ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from XXXX XXXX Experian/ XXXX XXXXredit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/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 2023-06-14 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: NY

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false accounts on my report. Inaccurate information is reporting on my credit report. This is a situation where the use of my credit profile was Unauthorized.

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 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX that a collections account had been placed on my report. The collections company was listed as ARC Management Group LLC and the creditor information was listed as XXXX purchased business ( see attached ). It states that this is a medical creditor but does not include any contact details regarding the creditor. I immediately disputed this information with XXXX as I had NEVER received ANY communication from ARC Management Group and am unaware of any outstanding medical bills. XXXX responded to my dispute by stating that the information was 'verified as accurate and updated ( see attached ). I called XXXX to request a copy of the information that was submitted to them as proof to verify the debt as accurate and the operator was unable to offer any information other than letting me know I should contact ARC Management Group directly at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( see notes from XXXX ) XXXX I sent a certified letter to ARC on XX/XX/XXXX requesting verification of the debt. I also tried calling them at the number given to me by XXXX and was not able to speak with a live operator. The letter requesting additional information ( copy attached ) was delivered to the front desk receptionist and signed for at XXXX on XX/XX/XXXX ( see attached delivery confirmation ). As of today 's date ( XX/XX/XXXX ) I have yet to receive ANY response to my letter or communication. However, on XX/XX/XXXX, I received the original letter back in the mail marked 'Return to Sender ' ( see attached photo ). So, after having the letter in their possession for over a month, they not only failed to contact me regarding my request for debt validation, they decided to reseal the letter and return it to me as if it had never been in their possession. This company is very obviously not afraid to lie and commit fraud. ARC Management Group LLC never sent me a notice of debt prior to reporting to the credit bureau and has falsely returned my letter as if they never received it rather than send me the proper notice of debt and documentation regarding the validity of this collections account on my credit agency report ( XXXX ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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:
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 XXXX Account name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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.

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