vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}

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 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
I rented an apartment and went I ended my lease XX/XX/2021, I paid everything that was owed. The company XXXX XXXX then reported my account as Paid. Paid as agreed and Closed in XX/XX/2021. A month later a collection agency reported that I did not pay and refuses to remove from my credit. I spoke with XXXX XXXX and they stated that they did report to the credit bureau that I paid everything and my account was closed in good standing and do not know why it is now in their collection department. The collection department has refused to remove and is demanding that I pay this amount again, actually more than what I already paid until they can figure out what happened and who's account this actually belongs to. They are destroying my credit and I need them to remove it immediately. Collection company is XXXX Innovative Recovery Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
Today is XX/XX/XXXX and Equifax got a request from me for their method of verification as it pertains to a XXXX  XXXX XXXX account that is reporting on my credit report. Equifax got this request from me on XX/XX/XXXX and to this date they have not provided me with such a document which is a violation of section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: SC

Complaint narrative:
UPDATED FTC REPORT. This is my third time sending a Identity theft report from the FTC concerning inquiries that I did not authorized or give the company written permission to obtain a copy of my consumer file in order to obtain credit. I have talked with a few representatives and received several consumer reports with the inquiries still listed as verified. I have asked for reinvestigations and ask for proof that I gave the company any written permission for them to fraudulently obtain my consumer report and the only thing that they tell me is that they are factual and to get in contact with the company. I have done that by calling the company and I get transferred from one person to another just for them to tell me to call the dealership, or credit card company, and it is the same way with them. They can not show or provide proof where I gave them permission. 
They will tell me that whomever I need to talk to is not there, gone for that day, on vacation, gone to lunch, they are with a customer, do not work there anymore, they will return my call, can not find the application, and the list of excuses goes on. I can not get approved for anything because of the inquiries and that is destroying my will being, character, and my mode of living for me and my family. I was told by a representative today that he did not see where I had listed the names of the inquiries that is being disputed in this section when I first disputed them. He said that they do not look at the CFPB, they look at the FTC-Identity Theft form, and for me to state the inquiry and the date, which I did. He stated that in the first dispute this section was blank, and he pulled up the second dispute and read the first line where I stated that it is not a duplicate. I asked for his name and ID number. He gave it to me. I do not know if it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, this is still remaining inquiry on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus is required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
They said I owed more than I do!!! And then after they stop picking up my they give me a Service interrupt charge of {$35.00}, and didn't start my service back!!!! Charge me {$35.00} if you are continuing services but not if you stop!!!! I have several letters from them and there's nothing about a back payments being missed!!! Until after they cut me off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX XXXX account that is reporting on my credit report is incomplete. There is no payment information listed on the credit report between XX/XX/XXXX when I allegedly opened the account to XX/XX/XXXX. Yet Equifax is reporting that the account was 30 days late in XX/XX/XXXX. There is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. Equifax is reporting that the account went into a charged off status in XX/XX/XXXX and that is false. 
There is no payment information listed between XX/XX/XXXX to now on the account. 
The account is in complete and under the Fair Credit Reporting Act, if an account is incomplete then it shpuld be deleted from the person 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: AR

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/2022 I was scammed out of XXXX 
On the same exact date I filed a claim with Wells Fargo. I was denied. I appealed the case and I was denied again. I wrote a letter and I faxed them a lot of paperwork till this day a month and a half later I have never heard from Wells Fargo once I complain so much that they said theyre gon na get me in contact with the XXXX who handled my case. They said he will contact me within one hour. Still to this day no one has ever contacted me Wells Fargo has been very disrespectful and has continued to tell me there is nothing they can do for me there decision is final there is nothing I can do.

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 2022-06-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX FS # XXXX & XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: FUTURE FINANCE COMPANY
State: IL

Complaint narrative:
There are inquiries reported on my credit report that I did not give consent for any of those lenders to run my credit this is fraud XXXX XXXX XXXX FUTURE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: ID Analytics, Inc.
State: GA

Complaint narrative:
As a result of the agency gathering, maintaining, and furnishing my personal info without my consent, I have been denied employment, credit, had my identity stolen, and failed background checks unjustly. I never gave my authorization for the company to collect and use my personal info at all. 

Violation : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You have never had my written instruction to report on my behalf. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I have an amazon store card through synchrony bank and I was informed that I owed a outstanding amount plus an increased delinquent fee. Thing is, I had been informed by Synchrony bank that my balance was ok ( i got e mails ) I paid on the first, second and third of XXXX about XXXX, XXXX and XXXX something ( each date corresponds with the amount i just mentioned. I called synchrony bank ( today XX/XX/2022 ) and they said that my bank didn't pay, except I have evidence that I have paid ( in my banks financial statements ). I also have emails from synchrony bank saying my amount posted. I am writing up a complaint to fax to the company and I plan on providing more information to the CFPB.

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 2022-06-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX XXXXXXXX acc reporting wrong info the open dates are wrong acc status one report says closed the other says paid date late one says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other XXXX credit limit XXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: AZ

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX,

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a new notification from XXXX that a new collection was just added to my report. When I researched this information, I found out that Professional Debt Mediation had a collection account on my credit for XXXX XXXX XXXX XXXX in the amount of {$740.00}. It indicates that the account had been opened on XX/XX/XXXX. 

The problem I have with this company is that they violated my rights as a consumer by not providing written or in person documentation of this debt before placing it on my credit report. I did not receive any notification about this debt ; meaning it was not verified. I never received any written documentation from this company about this alleged debt. I do not believe this company even has my address on file. 
They did not follow the Fair Credit Reporting Act policies on how to notify a consumer of a possible debt they may owe. I have no knowledge of this alleged debt nor do I believe it is my debt. They have failed to do a proper notification and validation of this debt, therefore, it needs to be removed immediately from my credit report. And this company needs to follow the Fair Debt Collection Practices Act and FCRA policies on how to pursue/validate a debt. 
PLEASE BE AWARE THAT THIS COMPANY DOES NOT HAVE ANY OF MY CONTACT INFO UNTIL NOW DUE TO THIS FORMAL COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MD

Complaint narrative:
I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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