vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022 I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information. 

How did you talk to? 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information. 
You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

19. Validate Account XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account 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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

How did you talk to?

One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX Account Number : XXXX Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 13. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
19. Validate Account XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time 22. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
23. Validate Account XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This number : XXXX, is messaging me pretending to be Chase Bank in an attempt to phish my information. They have used a different number before and successfully phished my information. I would like them to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: WA

Complaint narrative:
We vacated an apartment in XXXX, XXXX and were not in arrears of rent payments. I spoke with XXXX XXXX, property XXXX for XXXX on XXXX, on or about XX/XX/XXXX and was told the walk through was complete and that the unit actually looked better than when we had moved in. She also stated our account was paid in full and we would receive a full refund of our deposits. I also provided her with our forwarding address. Our phone numbers remain unchanged. We received and deposited the refund check dated XX/XX/XXXX into our account on XX/XX/XXXX. A copy is attached. At no time were we told of any amount unpaid nor given the opportunity to dispute said charges until we were sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom it may concern, On XX/XX/XXXX at approximately XXXX XXXX someone fraudulently logged into my Bank of America account and used Bill XXXX XXXX send {$1700.00} to an XXXX XXXX account that is not affiliated to me. I noticed the fraudulent activity later the same day and first notified Bank of America at around XXXX XXXX Bank of America closed their internal investigation related to the activity on XX/XX/XXXX and claimed : The transaction in question was completed using a device that is consistent with previous valid account activity I was given a document with information they used to arrive at that conclusion. That document is attached to this complaint and the IP address associated with the fraudulent login ( XXXX ) geolocates to XXXX, XXXX a city that I have never been to. 

To summarize : An unauthorized individual logged in to my account from a city that I have never been to and then used my account to send {$1700.00} to an XXXX XXXX account that has nothing to do with me. 

I have repeatedly asked Bank of America to provide more evidence in support of their claim that the transaction in question was completed using a device consistent with previous account activity. The document pertaining to their investigation that they did provide me does not support this conclusion. The agents that I have contacted have claimed that my device is infected and have repeatedly asked that I get them scanned. I have already had my phone scanned by XXXX. They have asked me to get my PC scanned at XXXX XXXX but I am a student and have extremely limited funds. Further, because of the timely notice I provided to BoFA, I believe I am protected by 12 CFR Part 1005 Regulation E. Further attempts at resolving the matter directly with BoFA have resulted in hours-long hold times and refusal to reopen the investigation. I am a student and can not afford losing {$1700.00}. I have been scrambling to make ends meet since my money was stolen and hoping that a complaint to the CFPB will help. Thank you and please let me know if I can provide more information. 

Hoping for a speedy resolution. 

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 monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE INFORMATION AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA-YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. IT IS ALSO MY UNDERSTANDING THAT UNDER FCRA 15 U.S.C 1681i ALL UNPROVEN, NON COMPLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND/OR UNVERIFIED ASPECTS OF ALL ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETELY DELETED. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL XXXX AND TRANSUNION TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS. 
THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT TO REGULAR FEDERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY, DO DO TODAY, EVEN RIGHT NOW! THE OBVIOUS INFRACTIONS ARE AS FOLLOWS : ALLEGING CREDITORS AND ACCOUNTS AS ARE REPORTED ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INVALID ACCT BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE XXXX  XXXX  XXXX METRO 2 COMPLIANCE REGULATIONS. I DEMAND THAT THESE ABOVE MENTIONED DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 

SINCERELY 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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
shared credit report without consent, non response from credit bureau to verify information on credit reports, disseminating proprietary and confidential information, undue enrichment at credit holders expense, cease and desist usage of my social security number of the holder in due course, resulting in identity theft, cease and desist usage and i will provide a more secure account and number that is attached to Internal Revenue Service, Accounts needing to be Physically Verified - Fair Credit Reporting Act - Section 609 ( a ) ( 1 ) ( A ). Compensation And Authorization by me, the Account Holder in due course. Verification is required before reponding to businesses with motives unknown who are for the most part curious and " nosey '', otherwise, Anyone paying for a report to a credit bureau could fax, mail, or email in a fraudulent account. 
I amd demanding to see verifiable proof ( an original consumer contract with my signature on all filed accounts

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

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 2022-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
i called Wells Fargo to report fraud on my credit card that while talking to them, {$5000.00} was transferred into my checking from my credit card. i spoke to wells fargo to cancel my credit card which was done but the {$5000.00} was not returned to the credit card company and i was told it couldn't be returned because the account had been closed. they should have returned the money to the credit prior to closing the account. instead they issued a 2nd credit card without me requesting this card. i stated that i didn't want another credit card and they still opened a 2nd card allowing a 2nd {$5000.00} to be drawn on this card that i never requested. additionally there were two {$250.00} fees charged by the bank for transactions i never made nor requested. 
additionally credit cards when issued are mailed within 7-14 days and no credit card was ever mailed or received by me. however when i went online a 2nd credit card was attached to my account.i called again to the credit card company and told them again this card was never requested. i was transferred back and forth to 6 different people over XXXX hours with no resolution. 
i believe this is an internal fraud scam within wells fargo and after 10 hours of phone calls with wells fargo nothing has been resolved. i only get written letters saying there was no evidence of fraud yet the {$5000.00} in my account and i will be charged interest and mental stress because of Wells Fargo 's inability to resolve this matter.

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 monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was opened Fraudulently using my personal consumer information. and must be deleted from all of my consumer reports immediately. Attached is my FTC 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 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX ( XXXX ) XXXX called and labeled as Portfolio Recovery. The number called a private line of mine that is only friends and family. Looking for someone, that I have no idea who this person is. Since this is a second very private number, the number above has repeatedly called me without permission to my phone number or even access. I am unsure of how would have my phone number and why would call me. It begs the question of how did Portfolio Recovery find a private number that is only given to family and friends? I believe something illegal is being done by Portfolio Recovery to obtain phone numbers and names, in their debt collection process. 

The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Based on Portfolio Recovery calling my private number, they are engaging in criminal behavior, and attempting to falsely create debts by deceptive practices in obtaining names and information. Theses are deceptive practices, or engaging in deceptive, because private number only given to family and friends. Portfolio Recovery has no business calling me and unlawful way of obtaining my private number while harassing me. This number calls me often and I received a call today mid day on Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute letter sent to Equifax XX/XX/22 to update correct address and to remove inaccurate addresses on file. As of XXXX inaccurate addresses still being reported under Personal Information ( Contact Information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: TX

Complaint narrative:
THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED AN UN-AUTHORIZED ACCOUNT ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED ACCOUNT ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX Bank, has violated my rights. 

15 U.S.C. 1681section 602 A states i have the right to privacy. 

15 U.SC. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXX and AXXXX 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 2022-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Received letter dated XX/XX/2022 on XX/XX/2022. This debt does not belong to me. I have disputed previously and the debt collector continues to send me mail. I wish to not be communicated with and wish to continue to dispute this debt. The debt collector is Capio Partners LLC located in XXXX, TX XXXX. Original Creditor reference # XXXX. Capio Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had XXXX credit cards that went into default with JPMCB over two years ago. XXXX card for XXXX and XXXX card for around XXXX. Since then, I have paid off XXXX credit card for the amount of XXXX. JPMCB closed my credit cards XXXX years ago. JPMCB wrote it off as a loss and turned this case over to a collection company and they reported it to the major credit card bureaus and my credit score dropped into the XXXX 's. Two years later and a wage garnishment later. Again my credit score dropped XXXX point because of the collection agency. If my account has been close for over two years now and I have worked hard to raise my credit score and continue to pay towards the XXXX. Why do you feel you have the right to continue to XXXX with the credit bureaus to hurt my credit score. You are getting paid every time I receive a paycheck because of the wage garnishment you placed with my employer. How many times do you think you have the right to hurt someone's credit score when you are being paid back. This is the second time you hurt my credit rating and you are getting paid back. XXXX XXXX shows that these XXXX credit cards are still open. That not true!

Company response to consumer: Closed with non-monetary relief