vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 I was also wondering if you were familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.

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 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
I have had my apple account for years and have added money to my account to purchase from apps on my phone NUMEROUS times over the years. All of the sudden for no reason ( as nothing has changed ) apple disabled my Apple ID and they said it was permanent and despite talking to 6 people over 5 days no one will tell me why. They said they dont have any info and the decision is final. They refuse to provide me with a way to contact the people who made the decision so I can find out why. MORE IMPORTANTLY I have XXXX on my apple account that I just added this past week and I have the transaction from my bank to prove it. This was a direct purchase to my anpple anccount from my bank, not a gift card. Apple is telling me too bad. That apparently because they disabled my id there is no way I can get MY MONEY back. Isnt that outright theft? Not to mention I will also lose almost XXXX XXXX songs that I have purchased over the many years I have had this account. Each song is from XXXX to XXXX each!!! When I XXXX  this, it looks like this is a common practice of apple which is clearly making them a ton of extra money in stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I kept getting emails from TransUnion about being in debt so I signed in and there is a credit card that is being used under my name, but I do not know with what company so I cant call to close it

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 2023-04-30 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: Chime Financial Inc
State: CA

Complaint narrative:
Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Siggi LLC
State: VA

Complaint narrative:
Omni Financial has already sold off the debt, they have not tried to contact me in any way shape or form and they continue to consistently on an almost monthly basis update and flag my account as a charge off debt, which refreshes the date of the account everytime. doing this they will keep this flag on my account forever and that is not legal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I was scammed out of two months rent ( {$3100.00} ) via wire transfer through Wells Fargo. I had signed a lease with who I thought was a realtor based in my area, and later found out that the person I sent money to was impersonating this realtor and was not actually planning to lease me the unit I had paid for. I went and filed a fraud claim with WF as soon as I found out, but have received no communication since and have not received my money back. It has now been about 4 weeks since I filed that claim, and was told Id have a response in 10 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 2023-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
We mailed a R.E.S.P.A. qualified written request for information per 12 USC and 15 USC in relation to a purported position as a debt collector for a mortgage debt. NewRez XXXX Shell Point Mortgage have not provided the information as required by law. This letter was mailed certified mail on XXXX to which NewRez had 30 days to respond with information. It is XXXX ( roughly 80 days ) later and we have not received information. NewRez is legally required to provide this info per Dodd Frank Act, 12 USC, 15 USC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
A collections account in the amount of {$12000.00} was put on my credit report. I contacted spring oaks capital LLC on XX/XX/2023 to attempt to set up a payment plan for this debt through email. They expressed they would pay for delete if I paid {$9200.00}. I discovered this debt is not mine as the previous company has already written this debt off as a loss and marked this on my credit report. Therefore, this debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: VA

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 non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: DE

Complaint narrative:
In XXXX of 2022 I called prosper to inform them I had to have XXXX in XXXXan i tried to make some type of payment arrangement with them they refused and wanted their whole monthy amount. I told them not to call me anymore I'm about it. 
I still made a {$75.00} a month goodwill payment. They called me 3-4 times day. It got to the point where I had the block for number. They have easily called me over a 100 times. Here are just a few days of calls. I have documentation of them all.

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 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I was made aware of toll fees sent to collections, placing a hole on my ability to register my vehicle. However, I was given no written or verbal notice of these fees being sent to collections, as well none of these collections are showing up on my credit report. 

These fees have totaled up to {$710.00} according to my XXXX XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I lost my wallet that had my debit card in it. The debit card was linked to the cashapp service. I had wanted to close the cash app service but was told even with my social security number being given XXXX that I could not be verified as the account holder, I also gave my email address XXXX and have access to it. This is also linked to the account. I also know the password and cash id by heart. 

The cash app id is $ XXXX The email address to the account is : XXXX the social above is the one associated with account and is mine. 

I wish to close the account in its entirety have any money in the account returned to sender or given to me in form of check to this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is where I receive my mail and is my mothers address. 

They repeatedly stated that they could not give me their employee id number so I could use it during this complaint and that even with all information and knowing that my wallet was stolen and that I could not verify the numbers on the lost debit card or the last two transactions on the debit card both of which i dont know by heart and do not have access too they could not and would not close the Cash App account with cash id $ XXXX. 

My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: TX

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 # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX XXXX XXXX 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 2023-04-30 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX  Account XXXX XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account # XXXX Please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX XXXX Please remove it from my credit report. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 
Personal information is incorrect XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One is reporting Fraud accounts on my credits reports with all 3 major bureaus : XXXX XXXX, XXXX XXXX XXXX. I previously sent Capital One letters, for months, disputing these fraud accounts below. 
Capital One acct # XXXX {$2500.00}. Capital One acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX XXXX, XXXX XXXX XXXX. 
Capital One received my letters and were required to take the appropriate action within 30 days of receipt. Capital One is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Capital One 's offices failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to this account must be deleted and completely removed from my credit files. However, Capital One willfully failed to delete the disputed information as I requested in my dispute. Capital One 's action or inaction is an intentional violation of the FCRA. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, a payment was made into my checking account from XXXX. I do not know who sent the payment, I did not receive any notification about receiving the payment. The person that made the payment then made a fraud dispute. Chase bank froze my account while they conducted an investigation into the fraud claim. 

I have complaints about Chases actions : First, all funds in this account were frozen during the entire duration of the investigation. The payment was for less than {$200.00} but the account with $ XXXX was made complete unavailable. 

Second, Chase did not inform me of the fact that the account was frozen. I only discovered there was a problem when a different company that I sent a payment to contacted me to say the payment failed. Chase did not call, email, or send a letter informing me that my funds were unavailable. Chases online banking app continued to show the full balance of my account as available funds even while the funds were not available to me. The banking app includes notifications, and a message center, but Chase did not use these tools to provide info or a status on the issue. 

Chase personnel on the phone were not helpful, and did not have share any info about how I could help resolve this issue. 

Finally, I only learned that the investigation was complete after I made a phone call and was informed by the agent. Even with the conclusion of the investigation, Chase did not unfreeze the account and make my funds available until I called, and the agent asked permission from a supervisor to release the freeze. 

I made approximately 10 payments in the time between my account was frozen and the first time a third party informed me there was a problem, which was on XXXX XXXX. I was charged late fees and failed check charges, and one utility informed me they will never accept a payment from that account again. 

I visited a retail bank branch on XXXX XXXX to try and find some who could help. The staff at the branch was extremely helpful but unable to successfully fix the issue. One banker was put on hold and then hung up on the the corporate department he contacted. A different banker got someone on the phone to agree to contact me, but Chase never did reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am having auto loan with Hyundai motor finance. I have been paying monthly EMI regularly and also paid some extra amount to pay off the loan early. It is also been reflected in monthly statements from Hyundai motor finance. 

But it seems that Hyundai motor finance has not been reporting this to credit reporting bureau ( XXXX, XXXX, XXXX ) since XX/XX/2023. 

This is affecting my credit report and credit history very badly. 

On XX/XX/2023, I have sent credit report, my monthly statements from Hyundai motor finance and letter explaining my situation. I haven't heard anything from them so far. 

Kindly request you to please take action on this at the earliest.

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 2023-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), accounts that are more than 7 years old and have been closed or charged off should no longer be reported on your credit report. The accounts reported by Bank of America and XXXX XXXX are in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. The information is reported on XXXX, XXXX, and XXXX and is adversely affecting my credit

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 2023-04-30 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: AK

Complaint narrative:
XXXX XXXX {$9700.00} improperly reporting

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 2023-04-30 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: AK

Complaint narrative:
XXXX XXXX {$9700.00} improperly reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: First Help Financial, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. 

I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the 3 XXXX XXXX XXXX shared with me to dispute : XXXX. They check XXXX XXXX - Date : XX/XX/2022 XXXX. First Help Financial - XX/XX/2022 XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX Bank ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXFirst Help Financial XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation