vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: EMCC Holdings, LLC
State: NY

Complaint narrative:
XXXX ( XXXX ) different companies, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  with same Account No. XXXX on the XXXX consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. 
XXXX XXXX XXXX AND XXXX XXXX XXXX still reporting under XXXX different names on XXXX, XXXX and XXXX XXXX report. 

Despite this, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item 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 2022-06-15 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: LA

Complaint narrative:
n 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

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 2022-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have requested a goodwill adjustment from my mortgage company so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the periods : XX/XX/XXXX and XX/XX/XXXX. I have sent letters and faxes all on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In each letter, the response from the mortgage company has been " they will get back to me shortly ''. But I never receive a follow-up from anyone at the mortgage company which is why I continue to send a letter and a fax each month. 

I have been in good standing and making my mortgage payments on time since XX/XX/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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed information on my credit profile that was not correct in XXXX on XX/XX/28 I send dispute in about these inaccuratices. On XXXX I notice I did not receive a respond and send a demand to comply in and still lack of communication back to me it's almost 2 weeks later and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item 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 2022-06-15 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: LA

Complaint narrative:
n 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

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 2022-06-15 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: LA

Complaint narrative:
n 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I opened a dispute regarding four transactions on my Coinbase XXXX XXXX. It has been 10 days since the first two fraudulent transactions and 5 days since the second two. All the transactions are for the same amount and charged two at a time by the same vendor. 
Per the Federal Reserve Act Regulation E they should have 10 days to investigate the issue and if they can not resolve the issue by then they need to provide me with a provisional credit if they need to further investigate. Instead, every time I am contacted by customer service it has been to request the same information. They have not provided any provisional credit to my account nor do they appear to have made the slightest bit of progress with their investigation considering that they keep asking for the same transaction information despite it being in the email thread the contact me from. I have even provided screenshots of the transaction records. 

Merchant name : XXXX XXXX  Date/time of transaction : XX/XX/2022 XXXX XXXX and XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX Transaction amount : {$20.00}, {$20.00}, {$20.00}, {$20.00} Dispute amount ( must include original transaction amount ) : {$20.00}, {$20.00}, {$20.00}, {$20.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? No contact info What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? I have never heard of this merchant or ordered from them in my entire life

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX sent IC System after me a year after I closed my account, claiming I owed XXXX {$59.00} for equipment that I returned to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX made no prior attempt to contact me via phone or email prior to sending a debt collector after me, and I no longer have the receipt for equipment return because I thought this was finished over a year ago. 

I disputed the charges and explained I returned the equipment to their facility. I noted that they have not itemized the equipment so I have no idea what they are even claiming I kept. I have no reason to keep the equipment because I moved to an area that XXXX  did not service at the time I moved, I have a high XXXX XXXX, and have always paid my other debts on time. I told XXXXIC System to cease & desist and they are continuing to harass me. They filed a collection with the credit reporting agencies, whom I had to contact to have the collection removed ( which they did ). Please see the attached letter for my correspondence with XXXX  ( XXXX XXXX ) and with the credit reporting agencies ( 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 explanation
Consumer complaint received 2022-06-15 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item 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 2022-06-15 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: IL

Complaint narrative:
According to XXXX XXXX on, XX/XX/2022 has violated my rights. The dispute been on my credit since XX/XX/2022. 15 U.S.C 1681 section 602 8 states that I have full rights to privacy.

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 2022-06-15 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: OH

Complaint narrative:
On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers XXXX & XXXX listed below appear to be duplicate accounts. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
XXXX XXXX BANK Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX. XXXX XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. U S DEPT OF EDXXXX : 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 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX I wish to register a strong complaint against Barclays Bank. 

They are fully aware that my Barclaycard has been used fraudulently but will not correct my statement.

-Brief Explanation- I have a Barclays Barclaycard credit card. 

On XX/XX/XXXX, they notified me that they had detected that it had been used fraudulently. 

I checked my statement and identified ten seperate fraudulent transactions the first on XX/XX/XXXX. 

I loged into my account on XX/XX/XXXX, and filled out their 'fraud report ' but in spite of many attempts it refused to SEND. 

So, I went to their on line 'chat ' portal and explained about the ten fraudulent charges totaling more than {$550.00}. 

Their reaction was " sorry we can't help, you must call '' I explained that I am quite deaf and do not initiate calls, I wasted an hour with them, all to no effect, before giving up. 

So, on XX/XX/XXXX, I went to their send us a 'secure message ' portal and typed in the full details of the fraudulent usage. 

Their reaction was " sorry we can't help you must call '' Over a number of subsequent secure messages i explaind that I am deaf and that their 'fraud form ' refused to SEND. 

It made no difference their mindless reply... send 'fraud report ' or call us! 

So, on XX/XX/XXXX, I sent letters to both the listed headquarters of Barclays fully detailing the fraudulent charges.

They have not responded.

The fraudulent charges have not been removed from my statement! 

They have now filed adverse reports with the credit tracking agencies.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I notice some inaccurate information on my credit profile. I disputed these inaccuracies on XX/XX/2022. On XX/XX/2022 I notice I has not received response. In understanding of the new " normal '' in the workforce in today times I patience extended a courtesy and continue to wait for a response yet and still no response. On XX/XX/2022 I again have sent another letter to get this matter resolve. Now as understanding and patience as I am trying to be this inaccurate information is affecting my life and I no longer can extend that courtesy.

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 2022-06-15 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I went on to XXXX XXXX and noticed that there was an account opened in my name fraudulently. I never opened account in question so I am a victim of fraud.

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 2022-06-15 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo report a negative balance on my credit report causing my score to go down. Wells Fargo then closed my account and hasn't returned and interest to me. Wells Fargo is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXXXXXX XXXX XXXX via XXXX XXXX -Inquiry date : XX/XX/2021 XXXX XXXX XXXX Inquiry date : XX/XX/2021 XXXX XXXX XXXX  -Inquiry date : XX/XX/2021

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 2022-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have requested a goodwill adjustment from Chase or JPMCB AUTO so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the period XX/XX/XXXX. I have sent letters and called Chase on XX/XX/XXXX to request the adjustment. Chase did waive the late fees and attached is my account activity. You will see they waived the late fee on XX/XX/XXXX and XX/XX/XXXX. 

I have been in good standing and making my car loan payments on time since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 submitted a letter to Experian XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter to Equifax XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to Transunion XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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