vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is incorrect information on 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 2022-09-20 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:
This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and SYNCB/Care Credit ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and XXXX XXXX  ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

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 2022-09-20 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: GA

Complaint narrative:
I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX so where is the information coming from? Who was on this joint account? This information is violating the fcra. They sent me a letter stating they are not going to reinvestigate this account. they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
If they had investigated properly, rather than use the e-Oscar system, they would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though their company claims to have verified this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Credit Karma, LLC
State: MO

Complaint narrative:
On or around XX/XX/2022 credit karma advised me of being pre-approved for a XXXX  XXXX credit card, all I had to do was apply for the card which I did. The report came back that I was in fact not approved and being that a hard inquiry was performed, my credit score immediately dropped by XXXX  points which made an already difficult situation of finding housing as my lease was coming to an end to an almost impossible situation! I have since read in numerous articles that I am not alone in this matter so I decided to report this misinformation in hopes that it doesn't continue to happen to others!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was scammed with a job ( i now know it was a fake job ) where i was supposed to help manage the money, there was even a contract i had to sign for this job. I was sent a check in the mail and was supposed to deposit the check, then send it to the product supplier. I cashed the check, it went through, then sent the money through XXXX. the next day Bank of America decided the check was bad so my account was charged back {$3500.00}. I immediately contact them to report that i believe i was scammed, and they told me the check was counterfeit. They then made me way 3+ weeks ( i was told 10 days ) to tell me that they couldnt do anything about it and that it is my fault and i have to pay it, but they have 45 days to try and contact the institution the money was sent to. I have called several times and have gotten no resolution, even though i only had {$200.00} before the scam. I am a recent XXXX XXXX and havent been able to get a job all summer until 2 weeks ago, but its only part time and barely enough for groceries. Im literally XXXX  and had to move in with my in-laws since my husbands job contract ended and he is without a job also, and after explaining this to the BoA rep XXXX she wanted to connect me with someone to set up payments for the {$3500.00} that was scammed from me. XXXX is advertised as safe, and the check was cleared according to my merit with BoA ( per the recent agent i spoke with who was very rude ). They obviously werent protecting my account and now they refuse to help and wont even give me resources to find help. the claim number is XXXX I have included a few screenshots of the people involved in emailing me to scam me. There was a lot of correspondence with them, so I tried to include key messages from them.

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 2022-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On Thursday XXXXXXXX XXXX I went to the State Employees Credit Union and applied for a checking account and wanted to try for a mortage loan. I was told I couldn't apply for eithier one because of a charged off account for a car i purchased for {$3300.00} through them 20 years ago. I was told from another bank that the account should not be able to pull up after 7 years. I am now XXXX XXXX XXXX and want to buy a house and the best route for me is state employee. Thank u in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because there are inaccuracies with Experian on 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 2022-09-20 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: GA

Complaint narrative:
I have disputed this account time after time for the better part of a year and a half, all the bureaus say its verified with absolutely no proof of the account that should meet the fcra standards. Theres no true investigation going on, I have no ties to the alleged address they stated I lived at. The amount is XXXX, and the year date of the account is from XX/XX/2016.

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 2022-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Fraudulent inquiries on my credit report that I do not recognize. Here are a list of them and their dates. 
Reporting on Experian Credit file. 
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 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 some accounts are on my credit file more than once some are on there 3 times.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: FL

Complaint narrative:
Starting XX/XX/2022 credit control LLC call me at XXXXXXXX XXXX  mountain time for XXXX XXXX XXXX telling me about a debt I owe I explain that I didnt have the money to pay the debt. The next day the company call again XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX I told them that yesterday I spoke to someone and explain I dont have the money to please stop calling me. On XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX another call. Another call on XX/XX/XXXX at XXXXXXXX XXXX  eastern standard time from XXXX XXXX XXXX and again today XX/XX/XXXX at XXXX XXXX  eastern standard from XXXX XXXX XXXX. The law says The federal Fair Debt Collection Practices Act specifically gives you the right to sue a debt collector for harassment. If a debt collector is found to have engaged in harassing behavior, you are entitled to up to {$1000.00} in damages, along with court costs and attorney fees.

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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello. On XX/XX/2022. I was scammed on XXXX by a user that claimed to make me a profit from XXXX leveraging. I was scammed for {$2200.00} in total from across three transactions through XXXX on the Wells Fargo app. I did this because I thought it was a good decision since I am in need of money in order to pay for College expenses. I have contacted my bank Wells Fargo about the situation. They have sent out three different transaction claims but have got back no money. They have also sent out three requests towards the other institution where my money got sent and currently awaiting 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 2022-09-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a

( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act ) and if you do not remove these inaccurate accounts I will have my information removed from your database and no longer do business with any financial institutions that uses your company to receive my information.

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 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
well I have inquiries on my credit report that do not belong to me, there are 11 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in 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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX, I went to the chase bank ATM and deposit {$700.00} when I put money in the ATM the system rebooted as shown in the pictures provided. The system did not give me a receipt or give me my cash back. I then called chase to file a claim and they credit my account the next business day. Today XX/XX/XXXX I see my account is negative {$700.00}. I then called chase and spoke to the supervisor all she could tell me was they counted the money and all the money is accounted for that is impossible because if they did look at the cameras they can see I deposit this money in the ATM. I am wanting to fight this because I do not have {$700.00} dollars to just throw away. If needed i can also provided phone logs of me calling chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MECHANICS BANK
State: IL

Complaint narrative:
n XXXX of XXXX i filed a dispute on Mechanics bank for being inaccurate and this item from Mechanics Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law XXXX report # XXXX Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-09-20 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: GA

Complaint narrative:
I have disputed this account time after time for the better part of a year and a half, all the bureaus say its verified with absolutely no proof of the account that should meet the fcra standards. Theres no true investigation going on, I have no ties to the alleged address they stated I lived at. The amount is XXXX, and the year date of the account is from XX/XX/2016.

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 2022-09-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Hi there, On XX/XX/XXXX I purchased a flight to XXXX XXXX for a vacation with friends on XXXX XXXX : https : XXXX and paid for my purchase which included a purchase protection plan via Affirm : https : //www.affirm.com On XX/XX/XXXX, my travel plans required amendments and curiously did not receive any confirmation email with my boarding pass or itinerary. When I reached out to XXXX XXXX they said they were unable to support my request and directed me to a shady third party website to file a claim. 

I immediately filed a claim with Affirm to kick off the process for a refund. Apologies for the number of screenshots their support site would not let me view a larger frame of the conversation. 

I then filed another request on XX/XX/XXXX to XXXXXXXX XXXX to resolve the issue. I was then left in limbo and had to purchase the another flight via XXXX. On XX/XX/XXXX I reached back out to Affirm for an update, got nothing. On XX/XX/XXXX again got nothing. Yet again on XX/XX/XXXX, got nothing. Even yet again on XX/XX/XXXX got nothing. Finally on XX/XX/XXXX I got a ruling in favor of XXXX XXXX. 

I was extremely frustrated though because I did not want this to affect my credit score I paid in full immediately. However this company is clearly a fraud. I had found their yelp and there are at least XXXX XXXX star reviews from customers experiencing the same issues.

Company response to consumer: Closed with explanation