vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: VW Credit
State: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, VW CREDIT has violated my rights. Regarding alleged accounts # 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 an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, TransUnion and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase Wire Fraud Events XX/XX/XXXX - Received a phone call from the Chase Fraud Department phone number. Her name was XXXX, she had all my information. Stated fraud of my company debit card and we needed to cancel it. Phone call dropped due to service connection. A few minutes later I see the email that states a {$25000.00} wire transfer was just performed from my business account XX/XX/XXXX - Immediately called the number provided for Chase Fraud Protection in the wire transfer email, was put on hold for a call back in XXXX min. Received numerous calls in from the same Chase Fraud Number, one of which was the same fraudulent XXXX once the wire from our personal account was stopped. We spoke to numerous representatives during the entire day. The personal wire was stopped, the business wire was not. 

XX/XX/XXXX - The representative told me he was creating the forgery packet and would mail it out. Said I would get an email and a secure message in my message center of the claim. I got none of these things. 

XX/XX/XXXX - On vacation, I left our camp and went to the closest Chase branch in XXXX, MI and had the banker print the forgery packet. I signed it on XX/XX/XXXX and he sent it based on the institution 's instructions. His email verification is included, as well as the ORIGINAL signed forgery packet sent in on XX/XX/XXXX XXXX - Called numerous times to check the status, each time I was told it was in investigation. At first, I was told it was going to be answered in XXXX days, then 15 days. 

XXXX - I stopped into our local Chase branch when we returned from vacation on XXXX and she was told there was no record of the forgery packet sent from MI XX/XX/XXXX so we sent it again from the local XXXX, IN branch XXXX I was told it was in processing. Gathering documentation from this representative as well. 

XXXX - Still no word or credit from Wire Fraud - Called in again and was escalated to supervisor XXXX XXXX, She said the forgery packet which had been sent TWICE from CHASE BRANCH BANKERS had not been received. She told me to go into the branch again and they would email it and upload it directly to the supervisor. 

XXXX - Go into XXXX, XXXX branch again and resend the same document which had been sent two other times before. We are told XXXX days now that the supervisor had it. 

XXXX - Get a letter dated XXXX from Chase that the forgery packet had not been received and thus my case had been closed XX/XX/XXXX - Call in once again to check the status on the THIRD receipt of the forgery packet after 8 days and was told they had the packet and received it XX/XX/XXXX, but there was no update and it was still under investigation. She would not escalate the call. I told her I was filing a claim with the Consumer Financial Protection Bureau and would move forward with legal action due to the 30 days of time lost, business funds kept, and documents lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I attached the info for inquiry and accounts to be removed from my credit file. Thank you dates range from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # 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 an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # 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 an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN

Complaint narrative:
I tried to open both a savings account and a CD for my elderly ( XXXX XXXX  ) father. I applied with two different online banks to get a better interest rate than he was getting locally. 
CITBANK which is First Citizens Bank sent me a refusal email ( attached ) after I filled out all the application papers online, and gave out his funding banks information over the internet. 
Same exact think happened when I tried to apply for a high yield savings account with an online Bank out of XXXX XXXX called XXXX! Can you tell me whats going on, is this an age discrimination thing or what. Why do they have the option of choosing who they can or can not do business with?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received an ample amount of notices from midland credit management , Inc and I thought it was a joke. What I found out is that this company takes debt from other companies and harasses people to pay debts that do not belong to them. From XXXX I have been to XXXX and XXXX  school, which ultimately led me to living with multiple people. I have had instances where my social security card and ID cards have come up missing. Unbeknownst to me, it appears that someone opened a XXXX account in my name and this debt went on to be unpaid. It is not mine. I have told this company from the beginning that it is not mine. They have the wrong person. Not to mention XXXX itself just screams scam. Ive disputed this on my credit report successfully in XXXX and they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # 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 an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act all XXXX Accounts that doesnt have my correct information has reported incorrected information is a violation to 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason My corrected Informtion is Name : XXXX XXXX XXXX Birthday : XX/XX/1979 Social Security # : XXXX Address : XXXX XXXX XXXX MI XXXX Phone Number # : ( 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
Consumer complaint received 2022-08-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is regarding an alleged debt from XXXX XXXX XXXX XXXX. This account was opened XX/XX/2018. The Amount is XXXX. They are reporting it as a Chargeoff/collection. I've tried to get this removed for almost a year now. Everytime it comes back as validated. But how can they validate without interviewing ; friends, family, & neighbors. Experian is reporting this negative account to my consumer report. which is hurting my reputation. I have not been able to get a car since this was reported. I just tried to get a car with XXXX and was denied because they said i had a car reporting negatively to my consumer report. I am speaking with XXXX XXXX XXXX XXXX XXXX  - he told me that they regulate under the FCRA. which is correct. 15 usc 1681b2 permissible - states a consumer reporting agency has to have written consent from a consumer to report anything to a consumer report. He told me they were in compliance with permissible purpose because XXXX XXXX XXXX provided them with the information. I went on to ask him if they were regulated by the CFPB and he would not tell me. He kept saying they regulate under the FCRA. He then proceeded to put me on hold on leave me here without complying to my demands of removing this account from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank processed an XXXX XXXX XXXX in my name. I received an email with a reference number and a link to details of the card. I clicked the link and entered my private information correctly and it said my info was not matching their records so that's when I knew it was sketchy. I called them and they were very unhelpful. Synchrony Bank is a very low budget sketchy creditor. I NEVER gave them permission to check my credit nor would I deal with these people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I XXXX XXXX opened an chime account for myself, for work check deposits. I opened the account on XX/XX/2022 I have money still in my account after 3 hours of my account being activated I try to log into my account and it said " Your account may be locked or suspended '' but I haven't done anything but deposit money into my account. I have been waiting patiently but I'm getting to the point just calling for a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
A debt collection agency contacted me regarding a back internet bill from a previous tenant that was not me. The equipment was left in the unit. So I took it to ups and dropped it off for them after they contacted me. I didnt need to do this. But I went out of my way to do so. This collection agency has continued to contact me saying I owe money but I dont, they also say they have no record of the equipment being returned. 

The ironic thing is. I have a current internet service with the same company that apparently claimed the debt. So none of this makes sense. Its not my debt. Ive told them XXXX times its not, and they still continue to call me daily. They also just put a negative remark on my credit report. For {$59.00}. This is insanity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
Equifax continues to provide false score on my report. The didn't exercise grave responsibility, have been unfair, partial, and didn't respect my rights to privacy. Lastly, they didn't have my consent to report anything. I demand that all negative items be deleted from my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been demanding Transunion to remove XXXX  XXXX XXXX, XXXX XXXX ( there are 3 separate accounts ), XXXX XXXX  I, XXXX Department of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX my credit report. Transunion has removed all three accounts for XXXX XXXX. For the rest of the accounts, this has been going on since XXXX of 2022. I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Transunion and will no longer extend my credit until everything is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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:
THIS IS ABHORRENT! I'm not familiar with this account. Why is my credit report being reflected there? I want this account to be verified! There is no agreement between me and this account.

Company response to consumer: Closed with explanation