vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
on XXXX i notified Experian that there was outdated information on my credit report the employee refused to dispute the information, which created a financial hardship for me, i have no other alternatives because of the timeline of this matter, Civil Rights are not optional you must treat all customers equally, this was absolute discrimination

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings to whom it may concern, In accordance with the fair credit reporting act XXXX, Transunion, XXXX, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings to whom it may concern, In accordance with the fair credit reporting act XXXX, XXXX, Equifax, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is showing 5 open accounts on my credit report. I filed XXXX XXXX  on XXXX  and ALL accounts should be reporting as CLOSED, never late and included in XXXX XXXX  petition.

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 2023-04-03 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: LA

Complaint narrative:
Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.

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 2023-04-03 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-04-03 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: Financial Business and Consumer Solutions.
State: DC

Complaint narrative:
FBCS Inc has repeatedly sent letters to a home that I do not live at nor has ever lived at. My father and his girlfriend live there and have now received two letters addressed to me. Ive emailed the company three times via their compliance email to ask them for more details as I do not have access to the letters and would prefer communication via email. Ive never received a phone call, email or mail at my home address so have no idea what this is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo froze my account for no reason. I have {$3000.00} in my balance and I cant do anything with it. They asked for my ID, which I had already sent them. I resent the ID and now they refuse to answer me. This company refuses to unfreeze accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: MO

Complaint narrative:
I was instructed by Experian to open a claim with the Federal Trade Commission. On XX/XX/XXXX, an inquiry was created by XXXX XXXX  XXXX. On XX/XX/XXXX, I inquired about a car loan refinance with another company. I suspect that my personal and proprietary information was shared with XXXXXXXX XXXX XXXX  without my consent. I did not authorize this. Will you please correct this and remove this inquiry? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NV

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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I tried to pause or cancel my account earlier of last year ( XXXX ), but wasnt able to because I had one month past due. I wasnt financially stable and called XXXX customer support to try to get my account paused so I wouldnt have to pay for even more months and they told me that it wasnt possible until I payed off my previous month. I couldnt pay off that previous month because I was unemployed so it forced me to pay for the next month which added onto my debt. I stopped going for months because during all those months Ive been trying to either pause my account or cancel it so I wouldnt have to keep paying. They did not allow me to pause my account or cancel it which forced me to continue having my account open and added to my debt which I did not want and couldnt resolve. I received some mail last year about the attempt to claim debt and then stopped receiving them for a while so I assumed that the issue was resolved. Today ( XX/XX/XXXXXXXX XXXX  ) the debt went into collections without any notice prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This claim is regarding transactions not approved by me. I did not process these transactions and I have tried to work with both XXXX and Capital 1 bank to resolve these fraudulent transactions. 

My original claims started XX/XX/XXXX. I received notifications that fraudulent transactions were being attempted on my cards. ( see photos attached ) All together there are a total of {$6100.00} in fraudulent charges. I contacted Capital 1 on 3 different occasions. The first claim # XXXX was submitted on XX/XX/XXXX and approved in the amount of {$910.00}, during this conversation I stated that I did not approve any XXXX transactions since XX/XX/XXXX. I had to call in again to include the remaining transactions that were not originally included on XX/XX/XXXX claim ( claim # XXXX ). I called in again to dispute the remaining transactions on XX/XX/XXXX claim # XXXX. The lady that assisted me seemed confused and she did not include all the transactions I mentioned. The amount of this claim was {$2100.00} which was denied on XX/XX/XXXX. The total amount remaining to be refunded or credited due to these fraudulent transactions is {$3600.00}. Capital 1 did not do their due diligence in contacting me for additional information or backup for the transactions in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XX/XX/2023 I am disappointed with Transunion dispute center. I called in and spoke to a represenative to let her know that there were unauthorized inquiries on my credit report. She responded that the inquiries were " factual '' and had to remain on my credit report for two years. I explained to the rep that these were not created from my doing. I tried disputing these items online but to no avail the system wouldn't allow me to do so either. I have filed a FTC complaint and i am asking for these items to be removed immediately from my credit report. The report number the represenative gave me was 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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: PA

Complaint narrative:
On XX/XX/2023, I called Upgrade, Inc and I requested that my Upgrade OneCard and my Rewards Checking account to be closed. At that time they confirmed the closure over the phone and let me know that the accounts might still show up in their Internet Banking platform for a few days. 
Today, XX/XX/2023, I checked the Internet Banking platform and both accounts seem to still be active. Even more, the Upgrade XXXX clearly shows an available balance of {$25000.00}, the limit that I had prior to asking the account to be closed. 
As a result, I called Upgrade, Inc again and they verbally told me that the accounts are closed. Despite of this, considering the discrepancy between what I am verbally told and what their Internet Banking platform is showing, I requested a written confirmation of the closure of the two accounts, which Upgrade, Inc refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened an account w/SynchronyXXXX XXXX on or around XX/XX/XXXX. I received a notice from Synchrony that my XXXX XXXX account was being transferred to XXXX as of XX/XX/XXXX. But on XX/XX/XXXX I called Synchrony XXXX # as I usually do to make pymts and was advised that they no longer had this account and that I would need to call XXXX ( XXXX ) to make any and all future pymts. I called that number provided and was told by XXXX XXXX customer service member that they did not have any records of my account. Which lead me to call Synchrony once again. This went back and forth with no resolution. At the time I only owed SynchronyXXXX XXXX account {$1100.00}. However, when I checked my credit report, it read I owed {$2300.00} which they now had charged off as of XX/XX/XXXX. I was never notified that this account was charged off prior to me receiving the notice of change in ownership to XXXX. 
Sychrony bank charged off the account yet are still reporting each month to all 3 credit bureaus that I am late every month paying on this account. An account mind you that they no longer have. How can a company report that a consumer is late if they do not have the account, it is transferred or sold, and/or the consumer is unable to make payments to that company? 
Because these creditors pay these credit bureaus, we consumers are at a real disadvantage, and it is making it almost totally impossible for any consumer to have fighting chance to correct any discrepancies. These inaccuracies are causing major adverse effect on my credit report and score, and I have been denied credit due to these inaccuracies. 
I have tried to contact Synchrony Bank directly however, as I mentioned before, I am being told that they no longer have this account and can not assist me in this matter. Therefore, I am writing you in hopes of a resolution.

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 2023-04-03 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NV

Complaint narrative:
I have requested Nexis Nexis for a data erasure of my records which was incorrectly reported. They hold infomation against my which I do not consent to publish my personal public information to insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
{$250.00} a month was being withdrawn from my checking account from a tax relief company. The company ( I dont want to get the name of the company from my bank app because Im overdrawn an enormous amount of money. Its too painful and has caused my perfect payment record to plummet! Im so distressed! ) XXXX  XXXXtold me I would get a refund because they couldnt help me. The only thing that went on between me and the tax relief company were conversations. The IRS applied my return to my debt. The company failed to do what they promised/led me to believe. As a result, I called Chase Bank, stopped the automatic payments and Chase calculated the money I would be refunded and added the amount back to my account. Now, Chase has taken the money back, my account is overdrawn an enormous amount & this is causing a snowball effect plunging me into trouble! Ive contacted companies to stop automatic payments but because my account is overdrawn I cant pay them. I add money to my Chase account from another to pay my bills. I cant even afford to do that. I was getting direct deposit to my accounts from my job but I havent worked due to a coworker having XXXX! Hopefully Ill be back at work this monthXXXX XXXX-but I dont know when. Ill have to change banks and pay Chase on a weekly basis based on what I can afford when/if I can return to work. Please, give my money back. Chase can get their money back from the tax relief company that took mine. Thank you-XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
The account XXXX XXXX XXXX is reporting incorrectly on my XXXX and Equifax reports. There are different balances due, the date of last payment and the date last active is inconsistent. How is this accurate reporting when all data furnished should be the same? I am demanding the removal of this account for inaccurate reporting. Not only is the account inaccurate, but the company was also not able to validate anything to say that this account is mine. I sent a letter 4 months ago informing you of this error. You have violated many FCRA laws. I will be seeking legal action if this account isn't removed immediately. I will attach the dispute letter that was sent XX/XX/22 which is dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I was involved in an accident that was NOT my fault and had to be transported to a large hospital via air ambulance. The case against the party at fault is pending litigation and The original bill was sent to collections for 12 % more than the original bill. They have sent me nothing the verifies I owe this debt to them and this is a HIPPA violation. I would like this immediately removed from my credit report as they have failed to provide me with any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
To Whom It May Concern : I have filed a previous complaint with Equifax, XXXX, and XXXX with no response. I submitted various letters to the above reference bureaus on different dates, with the last date to be given on XXXX, Can you please assist me in fixing the error. 

These are the facts : : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation