vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Yes, I have tried to contact you guys multiple of time over the phone that I'm in the military and that I was told that american express Would waive off the annual fee but i kept getting different answer over the phone XXXX rep has told me that i wouldn't need to do anything and a few other rep took down my social number and date of birth that i would need to submit a claim.. is there way for me to get this done asap? I'm just tired of getting different answer on what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I paid for a bond that worked as a security deposit ( XXXX ) at move in that covered an amount up to {$1000.00}. I sent this documentation to the original leasing company and never got a reasonable response. The only charge at move out was for {$120.00} for cabinet cleaning. This charge is not owed by me, as it needs to be charged to the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have had fraud on my account with navy federal. International currency transactions are showing on my account in which I have never did business with. Because of the amount navy federal credit union refuses to even investigate the fraud. I have sent in legal documentation and was not even acknowledged that there was an error. The immediately said they did not find an error not have to investigate the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
BinanceUS has updated their privacy policy to require users submit " biometric '' data to the company. Rather than agree to this policy, I would like to close my account and withdraw/transfer my funds. BinanceUS has no mechanism for this, and won't let me access my account/funds without accepting their updated policy. 

BinanceUS has not responded to my email/message to them regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I called Equifax on XX/XX/2022 went through all the automation ask for representative or specialist and was hung up on by the automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a Writ of Execution and a Notice of Execution after Judgement from the Office of the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, for Allied Collection Services , Inc., with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NV XXXX as Attorney for Plaintiff. It was for a medical bill that I had with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX, Account # XXXX, for {$790.00} in XX/XX/XXXX. I have never received anything else from them the insurance said they had to send some documents in before they paid and that is the last I have heard from them. Now this Allied Collection Services had added that the bill was {$1300.00} and they have added ; Principal {$1300.00} Pre-Judgement Interest {$440.00} Attorney 's Fee {$1100.00} Costs {$290.00} JUDGEMENT TOTAL {$3100.00} Accrued Interest {$7.00} Accrued Costs {$35.00} Fee of Writ {$25.00} ACCRUED INTEREST COSTS & FEES {$68.00} Garnishment Fee {$5.00} Postage/Other {$7.00} Levy Fee {$30.00} Commission {$65.00} TOTAL LEVY {$3300.00} I called Allied Collection Services XX/XX/XXXX, and told them I had not received anything regarding this medical bill since XX/XX/XXXX and I had not received anything from them saying they had taken over the debt or anything about aa court date or that they were garnishing my wages. She said they sent a letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have lived at this address since XX/XX/XXXX. I have not received anything from this Allied Collection Services until I received the Writ of Execution saying they were garnishing my wages. My name is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX or XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
I have disputed an alleged bankruptcy being reported by Transunion several times from the year 2020 to now. The bankruptcy is being reported by Transunion as a XXXX XXXX XXXX with Docket # XXXX. Transunion has sent results many times claiming that they verified a bankruptcy in my name with the courts. I wrote a letter to the courts and they sent me a letter stating that they do NOT report or verify any public record information or any other information with credit reporting agencies. I have sent this letter from the court to Transunion several times and they still claim that they verified the alleged bankruptcy with the courts. Also, I have asked several times in my dispute letters for Transunion to send me the original documents bearing my signature that prove the alleged bankruptcy is mine and to send me the name of the person at the courts they spoke to so I can follow-up. But Transunion continues to ignore these requests. To this day, Transunion have never provided me with any original documentation bearing my signature or the name of who they spoke with at the courts to prove how they verified the alleged bankruptcy. Transunion has proven that they can not properly verify the bankruptcy they are reporting because they have not provided original documents or the name of whom they spoke to at the courts. By law, they are supposed to properly verify disputed items or remove it. I have attached the letter from the court, dispute letters I sent to Transunion and results from Transunion where it can be clearly seen that they lied about verifying with the courts. The letter I received form the court is dated in 2020 which proves how long Transunion has been lying about how they verified the bankruptcy and how long I have been trying to resolve this issue with them. Transunion is continuing to violate my consumer rights by reporting inaccurate information and lying about how they verified that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: CA

Complaint narrative:
CFBP Explanation to input in : ( can re-word it ) but must have all in the body 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 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) : also states that 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 2022-04-18 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: CA

Complaint narrative:
CFBP Explanation to input in : ( can re-word it ) but must have all in the body 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 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) : also states that 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 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I reviewed my credit profile and Saw an unknown DUPLICATE medical Bill from TEXAS XXXX XXXX XXXX XXXX XXXX I have not been to the hospital at this place nor am I liable. Keep in mind I have Medicaid insurance so my medical expenses are always paid in FULL. I have yet to receive any validation letters from the creditor and the credit bureaus are also ignoring my request. I have obtained an FDCPA lawyer to handle it from here because I don't know what else to do. I know it's against the law to ignore a consumer 's request. I have yet to receive a method of verification. This makes me angry because my credit score is being impacted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: CA

Complaint narrative:
I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor XXXX XXXX XXXX and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: CA

Complaint narrative:
I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor XXXX XXXX XXXX and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Partners Financial Services Inc
State: GA

Complaint narrative:
XXXX XXXX plus *original creditor* walk away lease no balance XX/XX/2016 Balance : XXXX XXXX creditor : partners financial Balance : XXXX Wrong balance debt already sold and collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays company never notified me of a rate increase, when I called they stated because the federal government raises the rate they dont have to notify me. They also charged me double interest on my statement balance. If I paid half of my balance why are they calculating interest without acknowledging my payment-this is lying, stealing, and deceiving customers.

They told me the computers have been down for two hours thats why they cant look into my account to see what happened which is a lie..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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:
Hello, I am submitting a complaint against XXXX and Experian for a FRAUDULENT XXXX account. I have sent numerous letters including an FTC advising this account is not mine but they have ignored my request. I also saw a ton of FCRA violations ( different open dates, closed dates, activity etc ) From my understanding under the FCRA everything that reporting has to be 100 % accurate! This is impacting my score and needs to be removed ASAP! I have hired a FDCPA lawyer due to your negligence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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:
I viewed my credit reports and was shocked to find so many errors and incorrect information on my TransUnion, XXXX, and XXXX credit reports. There's many errors including incorrect personal information, wrong account dates, wrong account statuses, incorrect balance reporting, and inquiries that don't belong to me. I contacted transunion over 45 days ago and the incorrect information has not been removed so I'm taking a step further to contact the CFPB to fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: FL

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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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 2022-04-18 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: FL

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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 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 2022-04-18 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: OR

Complaint narrative:
An erroneous collection was added to my report dropping my score XXXX points. I had already paid the original creditor and the collection agency agreed to delete the error however after the deletion my score still reflects the XXXX drop. None of the bureaus have a dispute score option, so I mailed letters with a copy of my drivers license and identifying details. They replied back stating the letters didn't appear to come from me. I have no idea how to get my score corrected and I would appreciate any help you can provide. 
Kindest regards.

Company response to consumer: Closed with explanation