vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
FRAUDULENT ACCOUNTS XXXX ) XXXXXXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX  AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXXL XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These have 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 intructions

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 2023-03-29 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, US DEPT ED Account # : XXXX, XXXX Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I contact the company and ask for proof of documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: MoneyLion Inc.
State: PA

Complaint narrative:
I have a money lion account on my credit report thats an negative mark i believe its fraud i do not recall working with that company or giving them my info Im trying to build my credit and this report is in my way i would love if it can be disputed thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-03-29 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: IL

Complaint narrative:
File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
On XX/XX/2023 I saw I had a credit inquiry with security finance that I didnt authorize to pull credit. I have used them in past. I called them and they said they pulled my credit to get my information and there allowed to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Flagstar is not processing or applying HAF payments.

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX N aacordance with the fair credit rereporting act These have 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 intructions

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From the dates XXXX through XXXX, multiple ATM withdrawals took place of large amounts. 2 checks were deposited into my account that i did not authorize or deposit, and those checks were then withdrawn through multiple ATMs. A total of {$21000.00} were deposited on XXXX different checks that were not authorized by me Wells Fargo took some of my information and grabbed the account activity, which 2 weeks later they told me the fraud claim was declined. I called them and they then took more personal details ( hair color, height, weight, race, age, facial features, etc ). I just received another decline on the fraud claim after they did their further investigation. Ive never had any account activity like this since ive banked with Wells Fargo over 10 years so this shouldve raised red flags to them, but it did not and now they are penalizing me with owing the money that was withdrawn after the check was deposted.

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 2023-03-29 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was scammed out of XXXX in bitcoin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am XXXX and on a fixed incomeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked Macys several times to lower my interest because over {$200.00} a month of my {$350.00} payment goes to interest. The most recent I had an email sent, I cant do on my own on XX/XX/2023.

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 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I got a notification through XXXX  XXXX  that I owed XXXX to a company called sunrise credit services, once I looked into it its a collections agency that is connected to XXXX XXXX XXXX, i do not have any accounts with XXXX XXXX XXXX XXXX and have never had them. Once I tried to dispute it and get it off my credit, nothing happened and they are still fighting saying that I owe them XXXX which I do not

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 2023-03-29 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I reported a fraudulent Charge on my Amazon Synchrony account in XX/XX/2023. The Customer Service Representative told me it is being investigated and I will not be responsible for the charges, not to worry. I have received two billing statements with the charges and late fees. And they have reported late payments to the Credit Bureaus. I called Synchrony again in late XXXX ( XX/XX/XXXX ) and they told me, again not to worry. Their actions are not matching their statements. In the meantime, I am continually being billed for a fraudulent charge and Synchrony has been reporting negative ratings to credit agencies impacting my credit score. I have subsequently closed my account. However, I am told I am still responsible for the charge until the investigation is complete. It has been more than 60 days.

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 2023-03-29 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: MI

Complaint narrative:
FXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 USC 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. 16815-2 ( AX1 ) 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 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Please review account has been paid by insurance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express canceled my platinum card without any warning. They provided no explanation why the card was canceled. They stranded me in a foreign country where I needed the card to pay basic expenses. This caused me significant difficult. To this day I have no idea why they canceled my card, when they canceled, how they were able to do this without my authorization or why. This card has a significant annual fee, Amex owes me a refund of this fee for loss of use of the card. I have no idea where they sent the replacement card or why. I did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I have one Indigo credit card, issued by XXXX XXXX. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to Indigo customer service, but they said, they can not correct the error that I need to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: PA

Complaint narrative:
I have a XXXX XXXX account on my credit report thats an negative mark i believe its fraud i do not recall working with that company or giving them my info Im trying to build my credit and this report is in my way i would love if it can be disputed 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 explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX claimed that equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXXXXXX XXXX XXXX, who found in my favor. 

Since then, the supposed " debt '' has been passed on to two different collectors, and every six months or so I have been forced to send them all the information by registered mail, along with a request for them to supply the information on how they determined the validity of the debt ( as is required by law ). this request is always ignored and the debt collectors resell the bogus debt.

Attempts are currently being made by Sequium Asset Solutions who have been informed of the invalidity of the debt, and asked, again, to provide their attempts to determine said validly.

They have refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right privacy.

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

15 USC 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation