vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 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: World Acceptance Corporation
State: SC

Complaint narrative:
I do not recognize having any agreement with WORLD FINANCE CORPORATION and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with WORLD FINANCE COPRORATION .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report XXXX Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: CT

Complaint narrative:
I began to write disputes to each credit bureau ( Transunion, XXXX XXXX XXXX ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop

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 2022-07-24 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: CT

Complaint narrative:
I began to write disputes to each credit bureau ( XXXX, XXXX XXXX Experian ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop

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 2022-07-24 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 Account # XXXX, has violated my rights. 

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 purpose

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 2022-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX On XX/XX/2022, I received a bill for XXXX XXXX provided from out of network provider ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) which was used by my in-network doctor. My insurance company, XXXX XXXX XXXX paid the out-of-network XXXX service base on their pricing schedule. However, the XXXX provider stated that the payment was too low and sent me a bill requesting an additional {$350.00} bill. 
XXXX XX/XX/2022, I called the billing department of the XXXX and also contacted XXXX. XXXX stated that they will send the provider a letter explaining that what paid to them was fail and ask them to stop billing me. 
XXXX XX/XX/2022, I received the second bill for the same amount. Accordingly, I contacted XXXX again and requested a review for the payment and services. 
XXXX XX/XX/2022, I received the letter from XXXX regarding my review request and again it confirmed that I should not be billed for any extra. I submitted a copy to the provider who told me that they are not satisfied with this and they continued asking me to pay the extra {$350.00}. I requested for the to give me additional XXXX to proceed with a personal appeal with XXXX XXXX XXXX but they refused. 
XXXX XX/XX/2022, I received a confirmation from XXXX and a new EOB where XXXX approved my appeal and paid the provider an additional {$210.00}. I contacted the provided with the new payment information but they informed me that my balance was sent to a collection agency and they have nothing to do for me. They also provided me with the collection agency information. 
XXXX XX/XX/2022, On the same day, I Contacted the collection agency, tsi ,  and they told me that they put a freeze for the collection until they verified the charges. 
XXXX XX/XX/2022, I received a letter from tsi showing my account and still not showing the additional payment XXXX made on XX/XX/2022 and kept asking me to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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 Account # XXXX, has violated my rights. 

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 purpose

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 2022-07-24 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 Account # XXXX, has violated my rights. 

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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts, violated my rights. 
XXXX XXXX Account # 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 : 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 explanation
Consumer complaint received 2022-07-24 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I, XXXX XXXX, pursuant to 15 U.S. Code 1692g - Validation of debts am demanding Wells Fargo to provide me a validation of debt.

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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 following accounts, violated my rights. 
XXXX XXXX Account # 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 : 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 2022-07-24 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 following accounts, violated my rights. 
XXXX XXXX Account # 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 : 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 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, I purchased and loaded with cash {$450.00} on an American Express Reloadable Prepaid card form XXXX store in XXXX Florida. Two hours after I checked the balance on the card it had a {$0.00} balance. I listed to the transactions that were posted to the account. To my surprize, there were 3 different purchases 2 from XXXX and anotherone from XXXX. I immediatly called the card service to see if they could stop payment. The card representative said the transactions were still pending and advised me to go on line and file a fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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:
Equifax is reporting a second account as a charge off that I never opened from XXXX. My one and only account with XXXX was paid and closed. I have tried disputing several times as not my account, incorrect payment information as well as dates wrong but Equifax keeps only updating information on that account. I was able to have this second account from XXXX deleted from the other credit reporting agencies but Equifax will not delete it and they will not show me proof of how they verified this information. There is no proof of me opening a second account at XXXX. The charged off XXXX account is a false account or created in error and it is illegal for them to keep reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
This is a follow-up on case XXXX. It has now been a month since Barclays committed fraud against my account. Please refer to this case number. They have had a month to work on it and another week has passed. I filed this case with the CFPB a week ago and the response of 'they are working on it is simply untrue '. They have shown no interest in resolving this case. They have tanked my credit by reporting an over limit to the credit bureaus for three weeks. I am now asking for this to be resolved no later than XXXX XXXX XXXX XXXX Wednesday, XX/XX/2022. They have had five weeks since they first caused this fraud against my account. In addition to my account being fixed, Barclays Card should be fined an excessive amount, my account should be credited {$5000.00}, after resolving the {$10000.00} transfer fraud, and my credit should be immediately restored to my pre-barlays card fraud. This organization has shown no urgency in resolving their issues and fraud against myself and my account and my credit score. It is a crime to misrepresent credit to the credit reporting agencies. For those consumers reading this, as I've allowed it to be public, do not go into business with Barclays Bank. Do not get a credit card. They commit fraud.

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 2022-07-24 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: FL

Complaint narrative:
I have created an account with Experian a while back to investigate the significant negative dips in my credit history. XXXX I was in a hole. By XXXX a landed a much needed stable job, and started to significantly increase my credit score. When I created an account with experian I had noticed 1, or 2 accounts that were closed and reported paid. But yet it was continuing to negatively hit my credit rating. I disputed and asked them to step in but in return I recieved generic responses and offers to sign up for premium services to better find resolutions XXXX and XXXX that is used directly to one of my banks shows substantial differences in my FICO- close to 60-80 points. Experian dips heavily into the negative score and when I do my research to try and reference- the other credit reporting agencies it just doesnt add up. Im creating this ticket to help find out why and if Experian is falsely deflating my credit score, as Experian will not provide correct information to the consumer.

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 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Freedom Unlimited card sent me multiple emails advertising that if I referred a friend I would be able to receive XXXX dollars per referral up to XXXX dollars. They provided a link in the email and stated if the referred friend used this link to sign up, I would get XXXX dollars. I sent the link to a friend who then signed up for chase unlimited using the link ( this was sent over text message and he still has a copy of this link in his text history ). My friend told me that the process was pretty self explanatory after clicking on the provided link I gave him. I called Chase 2 months later because I had not yet received the XXXX dollar promotion. They told me that my friend had to use the card for 3 months before the promotion could be given to me. I then called back about 2-3 months after that ( 4-5 months after my friend had opened the card ). The woman at Chase told me there was no record that my friend used the link I had provided to sign up for his credit card. She told me the promotion was an automated process so there was nothing she could do to fix it. She told me that my friend must have used the link incorrectly so that is why I did not get the promotion. She said unfortunately I would not get the promotional deal because there was no proof of the referral. 

I attached screen shots of the link that I sent to my friend back in XXXX of 2022. 

The link for the promotion : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX company dont want remove account in my credit report.I was a victim of fraud, I was in prison from XXXX to XXXX and the creditors do not want to eliminate accounts on my credit report, they do not want to comply with the law. accounts that I never applied and do not belong to me.

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 2022-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
The charges occurred on XX/XX/XXXX in the amount of XXXX to a XXXX XXXX. I replied ( XXXX ). I received a call from a number XXXX I was told by the representative XXXX XXXX is trying to receive a payment through Zelle in the amount of XXXX and they only way he can't receive my money if I reverse the payment back to me using my XXXX account once I did that my money was out of my account and the representative hung up the phone. I tried calling back no response. I then called my bank in file a complaint with no luck they said it was nothing wrong a few days later it seems like I'm out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief