vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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:
I pulled my credit report and I instantly noticed names, addresses, accounts that I know I didn't open or authorize. I pulled my report because I was planning on financing a car and that's when I pulled it and noticed unfamiliar items on my report for example I have a XXXX collection account that doesn't belong to me with a balance of {$1600.00} so I'm here to take action so I can save myself from anything else in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RentDebt Automated Collections illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries due from their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: MI

Complaint narrative:
I pulled my credit report and I instantly noticed names, addresses, accounts that I know I didn't open or authorize. I pulled my report because I was planning on financing a car and that's when I pulled it and noticed unfamiliar items on my report for example I have a XXXX collection account that doesn't belong to me with a balance of {$1600.00} so I'm here to take action so I can save myself from anything else in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: MI

Complaint narrative:
I pulled my credit report and I instantly noticed names, addresses, accounts that I know I didn't open or authorize. I pulled my report because I was planning on financing a car and that's when I pulled it and noticed unfamiliar items on my report for example I have a XXXX collection account that doesn't belong to me with a balance of {$1600.00} so I'm here to take action so I can save myself from anything else in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises
State: KY

Complaint narrative:
around XXXX or XXXX of last year i got a loan for XXXX it was supposed to be pretty easy to pay back and after I signed the paperwork I dint receive no type of contact or anything I had to ask for it not to long ago to view my interest which turns out to be about 800 % which is unreasonable they now want me to pay almost XXXX on a XXXX dollar loan, they have also been mentioned in a lawsuit for conducting predetory loans the company being sued is another company but the owner is the same so I really don't think I should pay this loan as they are also not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me I even tried to dispute more then one 's account XXXX XXXX XXXX  been closed since XXXX and the credit bureau repond the account on my report and reported a couple late payments recrecently which resulted in late recent payments even tho its been close since XXXX and showing closed as of XXXX so the dates of the account and payment history its not right and they giving me a hard time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: NV

Complaint narrative:
My complaint is against Experian and XXXX. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. Experian and XXXX ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


Experian and XXXX is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of Experian and XXXX and matches the documents. 

Experian and XXXX is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me I even tried to dispute more then one 's account XXXX XXXX XXXX  been closed since XXXX and the credit bureau repond the account on my report and reported a couple late payments recrecently which resulted in late recent payments even tho its been close since XXXX and showing closed as of XXXX so the dates of the account and payment history its not right and they giving me a hard time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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 tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me I even tried to dispute more then one 's account XXXX XXXX XXXX  been closed since XXXX and the credit bureau repond the account on my report and reported a couple late payments recrecently which resulted in late recent payments even tho its been close since XXXX and showing closed as of XXXX so the dates of the account and payment history its not right and they giving me a hard time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
Transunion is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Without my written consent Transunion and XXXX unlawfully and illegally furnished data from the following creditor : 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 

The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Below I have listed the inaccurate hard inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
my social security number [ credit card ] was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX. 

Application ID # XXXX Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691c

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
National credit adjusters is not license in the state of XXXX XXXX for debt collection. They are only licensed as a supervised lender and should follow XXXX Title 34 Chapter 29, Consumer Finance act. There was no notification sent, messages left or any initial attempts to ensure I'm the responsible party of this debt they claim. This collection was added illegally and I request it be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was double charged for a fee that cost {$25.00}. I was also charged XXXX {$10.00} fees for the duplicate transactions. The transaction was to pay my barber which I have done several times in the past and have never had an issue before or was I ever charged any fees. 

It seems as though the charge was not only a duplicate but it was also incorrectly categorized as a cash advance which it was not. I need XXXX of the duplicate charges reversed as well as the XXXX {$10.00} dollar fees reversed as well and credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I noticed multiple high dollar XXXX XXXX  purchases. All of them are {$490.00} and above. Some close to {$900.00}. I use XXXX XXXX for small purchases with splitting dinner with friend, concert tickets etc. I only ever log into my account to XXXX money. I dont pay close attention to my balance until XXXX day I realized it was very low. 

The dispute was placed on XX/XX/2023. The Fraud took place all throughout XXXX and most of XXXX. The total amount is {$8700.00}. 

I have reached out to XXXX XXXX ( very hard to speak with someone there ) they finally emailed me and said because that money was sent through XXXX it was untraceable. So someone was stealing money from my bank and funneling it through XXXX XXXX and I assume sending XXXX ( untraceable ) to themselves. 

I reached out to Wells Fargo and my claim was denied. I asked to escalate, but they said there is nothing I can do. They wont even let me open up another dispute. 

They asked me when not all the XXXX XXXX transactions were Fraud. And I admitted to using it to pay and receive money from friends. The person committing the fraud used large transactions. {$490.00} being the smallest. Those were the ones changes to XXXX and sent to who knows?. 

Please please help. I had rent due on XX/XX/XXXX. My birthday is XX/XX/XXXX and instead of going to dinner with friend XXXX embarrassed to leave the house with {$60.00} to my name. 

Let me know what more information I can provide. 

Thank you, 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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: NV

Complaint narrative:
My complaint is against XXXX and Equifax. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. XXXX and Equifax ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


XXXX and Equifax is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of XXXX and XXXX and matches the documents. 

XXXX and Equifax is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: GA

Complaint narrative:
EQUIFAX, XXXX, AND XXXX HAS XXXX XXXX XXXX ON MY ACCOUNT FOR XXXX DOLLARS NOW I CAN'T MOVE I WANT TO SUE ALL OF THEM THEY ALSO HAVE XXXX XXXX REPORTING LATE PAYMENTS WHICH VIOLATES MY CONSUMER RIGHTS. I DEMAND MY CREDIT REPOT BE UPDATED ALL OLD INFO OF NAMES AND ADDRESSES BE TAKEN OFF IMMIEDIATELY. XXXX ALWAYS KEEP OLD INFO ON CREDIT REPORT AND THE DISPUTE PROCESS IS ALWAYS IN FAVOR OF THE COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. 
Without my written consent XXXX and XXXX unlawfully and illegally furnished data from the following creditor : 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 

The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation