vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct. # XXXX, Acct. # XXXX, Acct. # ending in # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.

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 2022-05-19 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: TX

Complaint narrative:
in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg 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 crime which antedates the report by more than seven years. 
XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXXXXXX XXXX  XXXX XXXX : ACCOUNT # XXXX XXXX XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2022 in the morning i tried to login into my bank via the chase app. A messaged popped up preventing me from logging in saying my accounts have been blocked and i would need to contact the XXXX number for assistance. I called the number and was told my bank accounts were closed and they wouldnt tell me why nor did they notify me in advance. I have no way have accessing my money or withdrawing it. So i went to a local branch and tried to figure out if they would be able to help. In short, they had to call the same number and they got the same response and was told by my banker that they couldnt do anything. My banker said i would be receiving my money in 10 business days via check. The problem is that other people have had theses issues with chase as well and have had a hard time getting their money back unless they filed a complaint with the FDIC etc. Im afraid my direct deposit/payroll this friday XX/XX/2022 ) may go through my chase account as well because it takes 1-2 pay cycles for XXXX  payroll to deposit to a different bank i had to create an account with. In total as of today my bank has XXXX or so thats mine waiting to be mailed out. If my payroll goes through to my chase account it will be another {$2300.00} or so as well. I need this resolved, i can not afford to wait over 2 weeks for a check or longer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
XXXX  XXXX has a loan listed on my credit reports with XXXX and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit 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 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: WI

Complaint narrative:
This complaint is about ATG llc, this company is horrible, and they break the law big time, I guess ATG Rep and Manger think there above the law and I'm asking CFPB to conduct and investigation into there conduct. CFPB by getting phone recordings. I told ATG that I'm the original creditor of the account and they refuse to listen. They say there representing XXXXXXXX XXXX and say they are the original creditor. This company and workers are deemed to know the law if ATG is say they follow FCRA, I am the creditor of that account, every loan, debt obligation or extension of credit is originated from from my social security number. Refer to 15 usc 1602 ( I ), so basically XXXX XXXX XXXX is using my credit and say I owe them as in XXXX XXXX. ATG is not looking out in the best interest for the people. By giving out false information 15 usc 1611. Also in violation of 15 usc 6802- ( A ) and 15 usc 1692 c ( a ) also a violation of my 13th amendment trying financial slavery my 5th amendment. Life, liberty and due process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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,

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 2022-05-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX Experian and XXXX have ruined my reputation by furnishing unaccurate information on my consumer report. They have continuously violated multiple consumer laws by reporting in inaccurate late payment on my consumer report. On my consumer report a late payment is being reported for XX/XX/2021 during the pandemic. These companies are misusing medical credentials and violating the HIPPA Laws. As everything I do is for my welfare and health. XXXX, XXXX, XXXX, and Experian I am requesting a full accounting of this account both the debt and credit side of the ledger. There are no Late payments on the ledger just credits and debits. In accordance with title 15 usc 1681 B Permissable Purposes A furnishing agency may only furnish a consumer report with the written consent of the consumer. I do not give XXXX XXXX, XXXX, XXXX, Experian, consent to furnish any late payments on my Consumer report I demand that the late payment for XX/XX/2021 be updated to paid as agreed. Refusal to remove these late payment and update them to paid is noncompliance unde 15 usc 1681 n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} noncompliance will not be tolerated as my reputation is being damaged as well as the health and posterity of my family. 
Pursuant to usc 1681a ( 2 ) b any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, The Definition of a credit card under 15 usc 1681 is the same under title 15 602 ( I ) which is the term " credit card " means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit, Congress said ANY card. The credit card is my social security. This is the credit card I use to originate every consumer transaction. All acoounts should reflect that I am the original creditor therefore a late payment can not exist. I am giving my written instructions that all furnishing reports and consumer reports be updated immediately to reflect such and that all late payments be amended to paid as agreed,

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 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX CFPB Report No. XXXX First Federal Credit Control CFPB Report XXXX. XXXX Inadvertently the 2nd above was the incorrect collection company.

Have correct contact information now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was asked by a friend to download VENMO to receive funds from him, so I did so, my friend then sent me the funds, but when I tried to get the funds VENMO had frozen the account, mind you I was broken down at XXXX with XXXX grandchildren in the car a XXXX, XXXX, I had just opened the account what could have gone wrong, I parked the car and proceeded to retrieve my money to no avail, the one CSR told me it would be investigated but that it could take up to 7 days to correct, if I hadn't needed that money I wouldn't have downloaded this XXXX app, Sincerely XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: TX

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 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 non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, I discovered a {$10000.00} charge to my XXXX checking account..originally written for {$200.00} to my newspaper delivery ... which was overwritten/forged ... and cashed..for {$10.00} at a Wells Fargo branch.. I filled out all the necessary paperwork at XXXX..which was forwarded to Wells Fargo and acknowledged by them on XX/XX/2021. No reply. Numerous attempts by my XXXX banker have elicited no 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 non-monetary relief
Consumer complaint received 2022-05-19 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: NJ

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Around beginning of XXXX I noticed an unauthorized XXXX payment of {$1500.00} made from my Wells Fargo account and immediately called the fraud department to start a claim. The claim department gave me temporary credit of {$1500.00} while the investigated the matter. However, after a couple of weeks they declined my dispute and took the temporary credit back. I called the fraud department to ask them why they declined the dispute as I did not authorize any transactions and the lady told me the transaction was authorized by me on a device that had a passcode. I told her respectfully that there was no way that was me as I did not even know who the recipients were and they were XXXX individual people. I asked for a second review and she told me that someone would get back to me within a couple of days but I never received a call back. Every time I call, I get told I would receive a call back within a couple of days but never do. It's been over a month now and I just want to receive the money I lost. If I have to, I will take legal action.

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 2022-05-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I open an account with the company call XXXX  and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ fourth transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to XXXX  account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ XXXX file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection TRANSWORLD SYSTEM INC saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection

Company response to consumer: Closed with explanation