vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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:
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 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 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 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/2022 after 17 years with XXXX decided to look for cheaper cell phone service. Saw XXXX advertised person over XXXX got a discount and also got a discount for auto pay. After talking to a XXXX representative in person saying I would not get the discounts and it would cost more than XXXX  which I had for 17 years I decided to go to another phone carrier that was cheaper. My wife and I both decided to have our cell phone numbers ported over again after 24 hours. I made numerous attempted phone calls to XXXX to dispute the matter but they ignored my request. Also at the time my social security number was not given to XXXX. Now they have turned it over to collections and some how XXXX got my social security number. Since XX/XX/2022 XXXX is not advertising cell phone service for 1/2 of what they were XX/XX/2022. The information they gave me at the time was very misleading and their cell service also not working very well in my house. I do not have other means of telephone communication and need a cell phone to work inside my house. I have also received letter from collection debt collector that I have an attorney which is false and misleading. I request assistance in this matter. Thanks!

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2023-03-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my 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 purpose.

15 USC 1666B : A credit plan as late for on purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
This is my several endeavors to tell 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : 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 explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Went to deposit over {$2000.00} into atm one night but only partial amount was posted. Atm robbed me of {$800.00}. Then they credited me the {$800.00} 2 weeks later. Then 2 months later they took back the {$800.00} and now my bank acct is overdrafted I called back and told them this is clearly an inside job. They are purposefully robbing customers. Because we are powerless & defenseless, we are helpless and either accept this abuse or try to fight back. I had an experience with chase bank same thing atm ate XXXX but luckily it was business hours so I ran inside the branch within seconds and they credited my account immediately following morning. But with Wells Fargo take 2 months to investigate??? Then tell me atm had no malfunction. It was two transaction within a minute after because I inserted too many bills at once so it spit out some and it made me insert my card back in and deposit in anew transaction. 

Wells Fargo ATM XX/XX/XXXX ATM CASH DEPOSIT ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ATM ID XXXX CARD XXXX + {$120.00} XX/XX/XXXX ATM CASH DEPOSIT ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ATM ID XXXX CARD XXXX + {$1000.00}

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 2023-03-10 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble. 

According to the FCRA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me " under penalty of perjury '' with the following verified documentary evidence of alleged debt : Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety. including any application. accompanied by a commercial affidavit sworn to be true. correct. and complete. upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract agreement / promissory note ; Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? 
Please describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or oavment were accrued in your firm 's procedure, authorized by the consumer agreement and creating the debt or permed by law, 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$140.00} XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXX XXXX  original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Capitol One original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX XXXXXXXX original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Kohl 's original charge-off XX/XX/XXXX. They are all more than XXXX months old and must be moved from my credit as they are destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: VA

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 XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXXXXXX  : 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 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 2023-03-10 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
They are making negative comments and causing me to be declared and unable to get a new apartment and I have to move by XX/XX/2023 or me and my son will be homeless. The company that just did my screening for approval said my only reason for decline was because of Amex

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter to Transunion disputing 1 account through the CFPB that was received by Transunion on XXXX. I received a company response that stated in progress on XXXX for complaint XXXX. It is now XXXX and I have not received a response from Transunion. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If the information can not be verified within the 30 day time period, Transunion must delete all of the disputed accounts from my report. With it being well past 30 days Transunion must now delete the disputed. I have attached all supporting documents.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet transunion still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...

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 2023-03-10 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:
I submitted a complain with the Equifax regarding the account XXXX XXXX XXXX ( XXXX ) XXXX and the complain was already closed and they will delete this account from my credit report because they are violated my rights. As today I don't see any changes in my Equifax credit report and the account still there. Company responded an closed with explanation on XX/XX/XXXX and says that the account was removed from my credit report. Complain # XXXX Submitted to the CFPB on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This complaint is against ProCollect. I received a settlement offer in the mail dated XXXX XXXX for the amount of {$320.00}. The settlement was to be paid before XX/XX/2022 and the debt would be deleted from my credit. I made 2 payment online as agreed {$200.00} XX/XX/2022 and {$120.00} XX/XX/2022. Ive called the company to check on the status of the debt being removed from my credit several times, but unable to speak to the only person XXXX XXXX who could access my account. The representative informed me that it would take at least 30 days from the last payment of XX/XX/2022. Ive sent emails to XXXX XXXX, but have not received a response as of yet. Ive disputed this debt several times, but it remains on my credit report. ProCollect has not kept their agreement to delete this account from my credit, if the agreed settlement amount was paid.

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 2023-03-10 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: WI

Complaint narrative:
I have called XXXX several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be removed from my report. Someone has tried to get credit in my name as I have the same company with hard inquires multiple times on my report. I am requesting removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: WI

Complaint narrative:
I have called XXXX several times and explained to them that there is fraud on my account. There are several inquiries that do not belong to me. They will not allow me to dispute incorrect information despite the FCRA stating unverified information and unauthorized items must be removed from my report. Someone has tried to get credit in my name as I have the same company with hard inquires multiple times on my report. I am requesting removal.

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 2023-03-10 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX  XX/XX/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 XX/XX/XXXX   ; XXXX XXXX XXXX XXXXXX/XX/XXXX  ; XXXX XX/XX/XXXX  ; XXXXXXXX XXXXXX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/.

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