vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc.
State: NC

Complaint narrative:
I have a wisely debit card and my account was hacked on XX/XX/XXXX ( an online clothing store ) & XXXX ( food delivery XXXX XXXX in XXXX XXXXXXXX XXXX ) 2022 after placing a travel notice for XXXX XXXX XXXX XXXX the Wednesday XX/XX/XXXX which I was made to do when in the state of XXXX XXXX attempting to get gas about halfway through the trip. On XX/XX/XXXX, when I noticed the unfamiliar charges I withdrew most of the balance then reported to wisely dispute transaction department and my card was discontinued and I was told to expect my New card in XXXX days. Today is XX/XX/XXXX. I have gone through several attempts to resolve this problem in chats and phone calls. My complaint was never escalated during phone calls as each of the 4 times while on hold for a supervisor my call was disconnected. On the several wisely website chats ( all of which are untrainable ) I was told after requesting to speak to a supervisor that I would be getting a call within 2-4 hours. I never received the calls. Most of the chats were ended while still in discussion about the issue. The individual I spoke with on Sunday the XXXX noticed my new card still wasn't sent and ordered it overnight delivery for {$35.00} which they took out of my account. I still haven't had the disputed unfamiliar charges put back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MO

Complaint narrative:
these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported 4 late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the three bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.

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 2022-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Afterpay US Services, LLC
State: TX

Complaint narrative:
This is a continuous prob with After as they refuse to acknowledge issues and refuse to c all you and resolve. They now send auto messages that has nothing to do with thde issue and fail to acknowledge the real issue, after they auto take funds from my checking act without my authority, mentioned the issue and still take funds from me. I have paid for all items and they are still going back to my checking debiting funds every 2 weeks as i informed them repeatedly that I returned all items. They go back toask for personal info repeatedly & blow you off, tell me to go back to XXXX XXXX  XXXX for a refund as merchant doesn't refund they SPECIFICALLY STATE refund back to AFTERPAY. AFTER running a SCAM and FRAUD as they come they keep your money and tell you to go back to merchant. THEY CONTINUE TO VIOLATE MY RIGHTS and steal my money. Refuse to help, refuse to call. They charged me XXXX and I returned all items to XXXX, they refuse to help and send auto emails telling me to check emails and bank, they will tell you anything and send useless email automated to blow you off as I will not go away-. They are true thieves. XXXX XXXX  refund purchases were returned and receipt indicated refund and no refund from afterpay! REFUSE TO HELP and should be fined-how is this legal CFPB???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-05-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern : I have sent out letters to Transunion on XX/XX/22 XXXX, XXXX and XX/XX/22 items I deemed questionable and inaccurate. In these letters I requested Transunion to validate these items they are reporting on my credit file. 

Each time I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) they don't send me the proof I requested, and only send me a generic letter stating item has been " verified ''. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and data furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I am in distress, because I feel like Transunion is trying discourage me and detour me from disputing items I deem inaccurate and questionable. How can I take a company 's word for something as being just " verified '' when they ignore my request for proof on numerous occasions? If you have properly verfied the items, than why not send the proof I requested. Now They are sending me letters stating that because I already disputed the accounts, and since they have came back " verified '' they are not required to reinvestigate. 

My rights have been violated and I will be filing a complaint with the XXXX, and my states attorney general. Furthermore if this issue can not be resolved I will take legal action against the Transunion.

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 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights

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 2022-05-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NJ

Complaint narrative:
Experian has committed aggravated identity theft against me for the non-consent or legal authorization to use, disclose, obtain and resell my non-public personal information my false statements and misrepresentation. Also, I filed a Identity theft report with the FTC for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor the unauthorized use of my credit card that I didnt benefit from. Experian refuses to to remove these accounts from my credit file. This identity theft report and request for removal was not made in ERROR, I did not obtain any goods, services, or money, nor is this a misrepresentation of any sort. Per 15 USC 1681c-2 you must block and remove.

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 2022-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXXn XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX CXXXX Inquired on FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX  account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$1400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$390.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1100.00} written FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} SXXXX XXXX account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$390.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1100.00} written FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I FILED AN FTC REPORT AFTER SEVERAL TRIES OF ASKING THE COMPANY FOR ASSISTANCE WITH THIS FRAUDULENT DATA ON MY FILE. NO ONE IS HELPING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed an identity thief report and i submitted it to the company, spoke to several different representatives and i still havent seen any results. 

date filed : XX/XX/2022 amount : {$1100.00} / {$940.00} i believe that CAPITAL ONE should remove the negative items off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TX

Complaint narrative:
Hi I am writing because I am seeing XXXX Accounts with # XXXX on my Experian credit report. I have requested for verification and validation and XXXX has someone else personal information, not mine. All XXXX  accounts are inaccurate and pursuant to 15 U.S.C 1681 and Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 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 crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. For these mentioned reasons Experian is required to report 100 accurate information, because XXXX furnishes inaccurate information it must and should 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 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-05-25 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX. My husband, XXXX who is a XXXX vet, loss income in XXXX due to COVID. We managed to pay the mortgage until savings depleted. Then had no choice but to apply for COVID hardship in XX/XX/XXXX. 
XXXX XXXX Loss Mitigation approved us for COVID-19 forbearance which stated that any suspended payments would be added to the maturity date of the loan and no lates would be reported to credit agencies. 
XX/XX/XXXX, we regained income XX/XX/XXXX resumed payments and have since paid timely XX/XX/XXXX received notice to pay missed payments and when we contacted the collection company, they said that the mortgage company showed us as owing a balloon payment. We have tried calling Santander Mortgage to figure out how this happened, but lines are always busy. 
XX/XX/XXXX account sent to collections and 30 day late reported to credit agencies. We contacted a XXXX Loan Counselor who placed several calls/messages to Santander Loss Mitigation XXXX XXXX ) XXXX to explain that late/suspended payments due to loss income as a result of the pandemic are not supposed to be reported to the credit agencies. 
XX/XX/XXXX, and XXXX XXXX, called again. Was able to speak to Loss Mitigation Supervisor ( XXXX XXXX XXXXXXXX ) who research our account and explained that someone pushed a payment deferral which caused the problem. 
XX/XX/XXXX Problem still not fixed and collections continues to report late payments to credit agencies. PLEASE HELP US.

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 2022-05-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Bankruptcy Account # XXXX has violated my rights. 

XXXX5 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 explanation