vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: LEXISNEXIS
State: GA

Complaint narrative:
I recently obtained a letter from the United States Bankruptcy Court XXXX XXXX of Georgia that they do not provide information to consumer credit reporting agencies and data furnishers. Lexis Nexis is in violation of 15 USC 1681 A 4, they infringed upon my federally protected consumers right to privacy, they violated also because of permissible purposes 15 USC 1681 B, and Lexis Nexis did not obtain my written instructions or affidavit to furnish this consumer report. Lastly, Lexis Nexis is also in violation of 15 USC 1681 A-E, I obtained a letter from the United States Bankruptcy Court XXXX XXXX XXXX Georgia stating that they do not provide my personal information to 3rd parties therefore Lexis Nexis is unable to do a consumer investigation to verify this alleged Bankruptcy. I am not a lawyer and I am outraged by the blatent disrespect of my privacy rights according to the Graham Leach Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX : I was in communication with a user on XXXX regarding a XXXX event that required tickets paid for before entry. I had spoken with the user @ XXXX regarding payment and the tickets being sent to my email after payment. I sent the amount of {$100.00} XXXX XXXX to an XXXX XXXX, the user however had a picture of a woman and claimed it was here boyfriends XXXX XXXX account I was sending it to. I sent it and got no more responses from them and was then blocked. I reported the scam incident to XXXX XXXX, XXXX and my bank Chime and The XXXX XXXX  after that happened. XXXX was the only one that helped because they suspended the user indefinitely and gave their policy on frauds and scams through their app. 

On XX/XX/XXXX : I was sent confirmation from Chime that they got my transaction dispute and would need more info to proceed with a refund. I sent them the information from XXXX and the XXXX XXXX transaction with the dates and amount all included. From XX/XX/XXXX to XXXX Ive been reaching out to Chime via email and phone and have been denied twice even with providing evidence on the scam that happened to me their customer. 

Today on XX/XX/XXXX : I decided to call one last time and was given the same scripted answers and no support in my case about an online scam that happened to me in XXXX. Ive given them ample amount of time to review and provide me the best solution and they provided neither enough support or a valid explanation on the denial. 

If theres any other information you need from me please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand .... 

Please answer what's in attachments

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 2022-01-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand .... 

Please answer what's in attachments

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo sent me a text explaining my account had been used in Texas. Wells Fargo called me and gave me steps to prevent money from leaving my account. I check the source of the text and phone call all were from Wells Fargo. I followed the steps as I had done before and every penny out of my account was liquidated. I have cited the Electronic Exchange Act has prevented me from suffering loss due to this type of event where a bank defrauds their customers. They sent me a letter stating I had authorized the transactions which is incorrect. I followed the instructions of Wells Fargo to secure my account from a active threat.

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 2022-01-18 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: CA

Complaint narrative:
I have sent several disputes and verification request. The credit Bureaus have failed to respond in a timely manner, they have also failed to correct the mistakes. There are several accounts that are reporting different information to each Credit Bureau. I have brought these items to the attention of each Credit Bureau and requested that the inaccurate information be removed from my credit report. To day they have failed to make the necessary changes. 

XXXX Acct # XXXX has a different date of last of activity for each Bureau XX/XX/XXXX but Experian XX/XX/XXXX and date of last activity is XX/XX/XXXX The account is also showing as never disputed when in fact it has been disputed several times. Account shows a different high balance for each Bureau/// this account is inaccurate and needs to be removed from my credit profile. it is also over the statute of limitations. 

XXXX acct # XXXX has a different date of last activity reporting to each Credit Bureau/ XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX and XX/XX/XXXX for XXXX date of XXXX payment is different for each Credit Bureau also reporting an inacurrate high balance / Claims dispute were resolved when never investigated or provided results XXXX Account # XXXX reporting inaccurate information on my credit report // and should be removed different date of last activity to each Bureau different date of last payment XXXXeported to each credit bureau date of last payment different for each Bureau XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX activity is inaccurate reporting different information to each credit bureau date reported is different for each credit Bureau collection account showing 90days late XXXX times with no 30 or 60 days late reporting a high balance of XXXX to Experian which means nothing should be owed XXXX/ acct # XXXX date of last activity is inaccurate experian XX/XX/XXXX XXXX collection account showing late this XXXXs inaccurate high balance of 0 to Experian and {$140.00} to XXXX XXXX XXXX acct # XXXX shows a different high balance to each Credit Bureau date of last activity is different for each Bureau XXXX XX/XX/XXXX Experian XX/XX/XXXX and XXXX XX/XX/XXXX date of last activity is different for each credit Bureau

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 2022-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX, I activated a new card with a new number that requested after a fraudulent charge was made to my account. This new card was the 3rd card requested. I did not receive the previous 2 cards, although Capital One claims they were sent. The 3rd card was received after being shipped via an alternative method that required indirect signature confirmation. Upon activating the new card, I got a pop up window notice that showed 2 active cards and an additional authorized user. The additional card and authorized user was never requested by myself, and the authorized user is a name unknown to me. The only solution offered was to process a request to remove the user and card. Capital One was not going to investigate, take any account protection actions, or even admit an unauthorized user could have been added. I requested an investigation into fraud activity and was told the only action available was to process a request to remove the user. I am unwillingly to submit a request to remove an authorized user and agree to the verbal terms provided for a user that I never authorized in the first place. Without any investigation into the fraud conducted, there exists opportunities for the executed fraud to continue unabated. Further, Capital One was requiring me to accept terms and language that were categorically false regarding the removal of the unauthorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX filed a claim for breach of contract in the amount of {$340.00} on XXXX of XXXX. I contacted XXXX XXXX XXXX an informed them that I never signed a contract with their company and as such would not pay this amount. 
I paid for all oil that was delivered XXXX was unable to provide a signed contract Sunrise Credit Service Inc XXXX XXXX XXXX XXXX, NY XXXX contacted me by mail dated XX/XX/2021 demanding {$420.00} for XXXX XXXX XXXX XXXX XXXX I sent a written response on XX/XX/2021 stating that I never signed a contract for oil delivery with XXXX and would not pay this bill I was contacted again by telephone and informed the caller that I had already responded by email and he said that he would make a note in the file XXXX & XXXX XXXX sent me a letter dated XXXX XXXX for collection of {$420.00} For XXXX XXXX XXXXXXXX I am under the belief that this must be the XXXX Heating claim I do not owe this money and I will not waste more time responding to these claims

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 2022-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I reached out to Santander Consumer USA attempting to have my alleged debt with them validated back in early XXXX of 2021. The company then sent me out some documents that i reviewed and determined wasn't enough information to fulfill my request. I made the company aware of this determination, and they proceeded send me an identical set of documents. Santander never directly addressed my determination, nor did they cease collection therefore violating 15 USC 1692g ( b ). The company even went as far as repossessing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: FL

Complaint narrative:
I filed a dispute with Experian credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. On their website it states that they get their bankruptcy information from XXXX credit reporting agency. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Experian credit reporting agency. On XX/XX/2021 I received a response from Experian stating that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I don't think they contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has allowed erroneous info to be on my credit file that is damaging my credit score, and credit worthiness... 

Unauthorized Inquiry : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX is old account I closed in XX/XX/XXXX ... they reported it as a charge off, I disputed several times, Experisan did not retrieve any records and mail them to me of what first premier had so I could respond, they only said it was verified, it is not a charge off XXXX agreed to remove from file after I agreed to pay it off, it must be removed

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 2022-01-18 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: AR

Complaint narrative:
Experian is reporting inaccurate information on my credit report. I have supplied Experian with all the paperwork which states that US Bankruptcy court does not report to any Agencies about Bankruptcy. I also have a statement from XXXX XXXX where the bankruptcy has been removed. Experian sent me a letter stating that the bankruptcy was verified as accurate. I would like to know how was it verified. In the attachments I will provide you of the following. US bankruptcy statement, XXXX XXXX statement, My drivers License, Social SSN, and statement of experian saying it was verified. Experian is violating my consumer rights and they are falsely keeping this on my credit report without verifiable proof. Please Remove 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 2022-01-18 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: OK

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2022 at XXXX my chime account was compromised of {$4800.00} due to the fact my card was lost. I contacted chime to let them know what was going on with my account. Chime notified me that the charges on my account was through XXXX XXXX in which I was not aware of. Chime trying to make it seem like it my fault. I called XXXX and they told me that there wasnt no transactions under my XXXX  nor phone number with XXXX XXXX. Chime is giving me a hard time on giving me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates
State: TX

Complaint narrative:
I did not find a category that accurately matches my complaint. 
I discovered today that there is a collection on my credit report for XXXX dollars from LJ Ross associates, account number XXXX. 
I never received any letters, notices or phone calls about this matter until I saw it on the collection report. It turns out it is an electricity bill for a property I don't even own anymore. 
I paid this debt immediately, without even knowing if it is my debt or not ( as mentioned, I received no documents whatsoever ). 
I was told by the representative that they will put in a request for removal from my credit report, however I have not received so far any document confirming that. 
I was also informed that it may take up to 30 days for the information to come off my credit report. 
This significantly affects me since I am in the process of buying a home. 
I think this collection agency failed to do their job appropriately by not providing me with any notice whatsoever prior to reporting this debt to the credit bureau. Had they done that this matter would have been resolve a long time ago, I didn't even know this debt existed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: AL

Complaint narrative:
Back in XXXX I found out by the FBI my SSN was used in filing online taxes, I don't file taxes since i am on SSI disability. So I had to file police report fingerprinting and photo taking to verify who I am. I send all three credit bureaus the police report and all the paperwork on the identity theft so they could put it on my credit to protect me from any more problems. Then Equifax because breech and my identity was stolen again and now I have so many hard inquiries on my credit report it is killing my credit scores. I am getting phone calls and text messages and emails from loan companies and car loans, and I have not sign up with them at all. I have told all of them to leave me alone. It was not me filling out the forms on their websites, I have explain to them my identity was stolen but they are not listening to me. Here are some of the companies that are on my credit that I want removed and stop looking at my credit. 
XXXX XXXX XXXXXXXX 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 these companies did not have my permission to run my credit or did I go on their website to file there forms out. I am tried of people ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
I am getting harassing phone calls all day long from a NO ID number from First National Bank of Omaha First bankcard credit card and I am not even 30 days late on my payment. They start harassing me as soon as I am one day late and it's all day long sometimes. With COVID I am late making payments because I am getting paid late. Thus is the second time and it's worse than the first time and I am still paying my bills. It's not like I am not paying. It's becoming a nuisance and interrupts me at work. Outside of COVID I have never been over 30 days late. There is no excuse for this harassment. I am an adult and none of the other credit cards even bother to call if I am late or miss a month. This needs to stop. It's causing my XXXX to XXXX and XXXX  my XXXX even because it's pure XXXX  harassment. I tried calling them and the wait time was so long I can't sit on hold and run my business. It's all too stressful. They need to wait 30 says before harassing people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: GA

Complaint narrative:
AES/PHEEA is reporting to XXXX, XXXX, and XXXX a debt that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why XXXX, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.

Company response to consumer: Closed with explanation