vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act 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 2022-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
There is a delinquency noted on my credit spoke with XXXX and they notified me it was from a utility 's agency, and I've been delinquent since XXXX. I've not received any correspondence previous to the report on my credit. I also spoke with XXXX XXXX  the utility company that sent me to collections. Per XXXX at the XXXX XXXX an opened an account for utilities in and became delinquent in XXXX. My utilities are set up in California for my home and I do not use the utility company. 

They noted my complaint but also recommended that I file a police report and a report with identitytheft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act 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 2022-10-29 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: Simon's Agency, Inc.
State: PA

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: VA

Complaint narrative:
I did not receive any mail from the company and as of XXXX still have not received any mail of summons for garnishment. I had to request documents from my employer on XXXX to find out who was garnishing me. I did not comply to any terms given nor have I been to court to comply with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, attorney general ( due to the false advertising / fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal.

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 2022-10-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX 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 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 2022-10-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name XXXX XXXX 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 2022-10-29 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:
My name is XXXX XXXX and I was recently able to sign in to view my credit report since I been XXXX  for XXXX years XXXX to XXXX I have all the proof of XXXX  I can include it when you you contact me about this matter. So basically some has my info and is doin fraud with my account so basically anything between XXXX - XXXX of XX/XX/XXXX was when I was released from XXXX  and I been tryna build my cridit to be able to get a car and I come to find out this can you plz help me resolve this matter thank you my 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 2022-10-29 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: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
These accounts are old and need to removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged me for a minimum balance fee in my savings accout and was not told it existed. I moved money from my low yield savings account to my checking account and was cahrged. This is a systematically important bank ( XXXX ) and taking advantage of an implied US government put while offering little no no yield.I called them and no resolution occured. They were arrogant and impolite.

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 monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
Former complaint for CFPB were, XXXX ; XXXX ; XXXX All of these accounts with the report credit bureau were closed as uncollectable as they could not produce ANY statements I owed this debt as collectable. I am a XXXX  veteran with benefits, I have XXXX with benefits, I also have private insurance coverage with NO deductible and not one of these entities were sent bills from XXXX XXXX XXXX, XXXX which closed their doors and business years ago. You had instructed them accordingly, I am still getting calls regarding this debt AFTER they have closed it out, this debt is STILL listed on my three credit reports as in collection last one from CENTRAL PORTFOLIO CONT., XXXX XXXX  XXXX XXXX, XXXX XXXX MN XXXX XXXX. I have repeatedly told them this is an uncollectable debt that was never billed to my insurance and they can NOT support their findings by sending me any statement to the fact and are BLIND calling me to collect a debt that CFPB said was closed and uncollectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax had a data breach that Im just now finding out about. Their website says my information may have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This is an invalid dispute, I was never contacted by mail regarding this dispute, and the dispute is classified as Attorney dispute NOT medical dispute. They have broken the law by not providing any information related to this dispute, other then a phone call 90 days after in which I told them this was in dispute, NOT valid, and provided evidence to the collections agency that this was an invalid bill. 

I disputed the amount in entirety with the medical office, filed complains with State and Federal medical boards and this false claim was still sent to collections/ XXXX XXXX XXXX  XXXX {$130.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$130.00} Original Creditor XXXX XXXX XXXX Past Due {$130.00} XXXX Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: HI

Complaint narrative:
I got scammed from XXXX XXXX from XXXX, TX and I didn't know he was from Texas and I wanted my {$1000.00} back he took from me without sharing information on what this is about and I reported this to the police and hopefully catch this jerk!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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 XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 an account without my written instruction.

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 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a payment of {$1500.00} from my XXXX personal checking account to my Chase XXXX credit card to make payments for my hotel stay on a foreign trip. Upon charging my card this morning, the payment was declined for insufficient fund when it is showing that the payment had gone through. I reached out to the Chase XXXX credit card and I was informed that my payment was put on hold for a week. I explained to them that I had made this payment to the card to cover for my hotel stay now I am stranded at a Hotel in a foreign land and every attempt I made to resolve my situation with Chase XXXX credit card representative and their supervisor to release the payment that is showing had gone through to allow me pay for my stay was unsuccessful. I have to reach out here because this is wickedness and inhumanity by this financial institution to hold back my money and putting me in a very frustrating and embarrassing situation, and they refused to do anything about it. Now I am stranded in a XXXX in XXXX, unable to pay for my hotel stay because of this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
These accounts are old and need to removed from my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: CL Holdings LLC
State: MI

Complaint narrative:
These accounts are old and need to removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: TX

Complaint narrative:
I reviewed my credit report and noticed several inquiries that I did not authorize. There is an XXXX inquiry on XX/XX/XXXX. on my Experian report. I did not authorize this, nor do I know what this is for. The next inquiry is for XXXX on XX/XX/XXXX. I showing on my Experian Report. I have never heard of this company. I show an inquiry for XXXX  on XX/XX/XXXX on my XXXX report XXXX I shop at XXXX, however, I do not shop there enough to warrant the need of a credit card. This was unauthorized. There are car dealerhsip hard inquiries on my report that I did not authorize. I currently have a car loan in which {$1200.00} is still owed on it. I have not requested a new vehicle nor have I authorized my credit be run for a new vehicle. There is a XXXX of XXXX on my XXXX report for XX/XX/XXXX. I did not authorize it. When reviewing my report, I reached out to the number on file, and was informed that they did not do this, so I believe it is a fraud transaction. I see a XXXX of XXXX for XX/XX/XXXX on my Experian report. Once again, this was not authorized. I have not submitted any information to any XXXX to run my credit. No social or confidential information was submitted. There is another unauthorized inquiry on my report for XXXX on XX/XX/XXXX for XXXX. I have never heard of this, and did not authorize this. Another inquiry has shown up for XXXX XXXX XXXX XX/XX/XXXX for XXXX and another on the same date for Experian. This was not authorized by me. I also see a XXXX on XX/XX/XXXX on my Experian. Again this was not authorized by 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 non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/22 I put a request for a refund for my payments made during the XXXX pandemic with FedLoan. FedLoan stated it would take up to 60 days for me to receive my refund. 

On or about XX/XX/22 I called FedLoan for an update on my refund and I was assured it would still be received in the 60 days timeframe. 

As of XX/XX/22 I have not received any refund yet and the 60 days has elapsed. I have not been contacted by FedLoan to explain any delays or problems. I checked my profile online and confirmed my address and other information was current. 

I am concerned that I will not receive my refund ever or in a timely manner. Over 60 days has been too long to obtain a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, XXXX and XX/XX/2022 I have not received my credit score from Experian. They received all my reporting balances from the credit cards company but for some reasons Experian is not updating my score. XXXX and XXXX has been updating each month.

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 2022-10-29 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: TN

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, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX, Account # XXXX has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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