vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 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: JH Portfolio Debt Equities, LLC
State: MI

Complaint narrative:
Showing on report as late when account was never issued to me in writing or given permission to report

Company response to consumer: Untimely response
Consumer complaint received 2022-09-25 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: Veros Credit, LLC
State: FL

Complaint narrative:
These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} Veros Credit LLC Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Veros Credit LLC or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: Synovus Bank
State: FL

Complaint narrative:
These accounts are not mine but is reflecting on my credit reports. 

First Progress Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or First Progress any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have banked with Wells Fargo for approximately 4years. During the course of time I've experienced fraud in my account on numerous occasion. I reached out to the bank making them aware of the fraud, unexplained errors e.g. ( errors stated I sent funds to someone I hadn't ), charges from unknown vendors, double charges from purchases. it was through these means that funds were syphoned out of my account over the course of years. Complaints filed were mishandled, and ignored by bank employees. I was told that the situation would be investigated only to have nothing done in the end.I received a lump sum from life insurance proceeds, which was meant for my family to survive on. I have a XXXX  XXXX which makes working a regular job difficult. When my husband passed away these funds were meant to assist my family with daily living expenses. The theft of these funds have theft of these funds has disadvantaged my family greatly. My Wells Fargo Bank account records does not reflect accurately the amount of funds deposited into the account. Wells Fargo have refused assist with this situation for some time now. Approximately XX/XX/2021 I spoke with someone in corporate who denoted the theft and hung up the phone on me. I would like a thorough investigation concerning the whereabouts of funds missing from my account.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I can not believe that you did a proper investigation of these accounts, before, during or after you sent my account information anywhere else. You should have found these obvious inaccuracies on my credit report. A credit account can not be both open and closed. Tell me how this is and why you continue to damage my credit with these obvious oversights? After my request for a line by line investigation of the accounts listed below you still did not make note of the inaccuracies, which is a violation of my federally protected rights. These accounts are inaccurate and must be deleted : XXXXXXXX XXXX  XXXX Account # XXXX was deleted from my XXXX and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my XXXX credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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:
This company has taken more than 30 days to report back to me as the consumer. Please delete these accounts : After my request for a line by line investigation of the accounts listed below ; my XXXXXXXX XXXX XXXX Account # XXXX was deleted from my XXXX and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my XXXX credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: MI

Complaint narrative:
Showing on report as late when account was never issued to me in writing or given permission to 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 2022-09-25 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:
Showing on report as late when account was never issued to me in writing or given permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Showing on report as late when account was never issued to me in writing or given permission to 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 2022-09-25 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: Westlake Services, LLC
State: MI

Complaint narrative:
Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Company XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be 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 2022-09-25 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.

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 2022-09-25 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: OneMain Finance Corporation
State: MI

Complaint narrative:
Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is not a dispute although XXXX XXXX XXXX will based on recent history try and void out this dispute by claiming its a disputeThe amazing staff at XXXX XXXX XXXX have, again, fallen short of their legal responsibilities in their reporting of incomplete data regarding an alleged medical bill theyve claimed Ive owed for year and still havent provided to me, you ( cfpb ), or equifax, XXXX, or transunion any validation of any service that supposedly owe XXXX XXXX XXXX. but for their slacker move for the day is : XXXX XXXX XXXX is providing incomplete data to Equifax regarding both accounts being reported directly failing to report the first delinquency day on both accounts. How long is this going to continue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One stating I was approved for a Capital One Platinum Secured Master Card. The email advertised that I could build my credit with the Capital One card and that good credit could assist with buying a house, car, or potentially a job. On XX/XX/XXXX I applied for the Capital One credit card, however my application was subsequently denied. The application letter stated insufficient credit history, age of newest bankcard ( s ), credit limit ( s ) are too low, and application could not be verified as the basis for my denial. I am filing a complaint as my consumer rights were violated and I was not provided an Equal Credit Opportunity. This decision has negatively affected my ability to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: CO

Complaint narrative:
The report was not created right on XX/XX/XXXX I sent all three credit reporting companies the copy of the bankruptcy and team mobile was added by the credit reporting companies still say I own XXXX XXXX XXXX the money under federal laws I don't.

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 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q. Data International XXXX XXXX XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the XXXX XXXX XXXX I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 

also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
THIS IS A FOLLOW UP ON CLOSED CASE # XXXX I AM OUTRAGED AND DEMANDING A REINVESTIGATION. 
American Express placed an invalid, unverified, fraudulent and illegal inquiry into my credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law. American Express is knowingly reporting false information to XXXX and XXXX. This inquiry is NOT MINE, nor was it authorized by me, and American Express has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the NJ Attorney Generals Office. I've asked for verification. They failed to supply verification. This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted American Express and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 
what American Express submitted do not constitute verification under the federal law or FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 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: CO

Complaint narrative:
The report was not created right on XX/XX/XXXX I sent all three credit reporting companies the copy of the bankruptcy and team mobile was added by the credit reporting companies still say I own XXXX XXXX XXXX the money under federal laws I don't.

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 2022-09-25 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: CO

Complaint narrative:
The report was not created right on XX/XX/XXXX I sent all three credit reporting companies the copy of the bankruptcy and team mobile was added by the credit reporting companies still say I own XXXX XXXX XXXX the money under federal laws I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Also, I have not authorized this transaction or authorized anyone to use my information to open this transaction. 

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.

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 2022-09-25 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
A paypal account was opened back in XXXX - I have tried to have this account closed since XX/XX/XXXX, but they refuse to close and delete my information. First they wanted me to updated my new contact phone number and address ; thus said it takes XXXX hours for the database to reflect the current information. Its been a week and they still refuse to close an account that was never used, but they keep sending unwanted solicitation emails weekly to my XXXX email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The XXXX XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be 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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The XXXX XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
The Account listed below is a complete violation of the NO SURPRISE ACT Delete the account immediately

Company response to consumer: Closed with explanation