vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I'm writing this communication because I found an error in my reporting, it's an account that I don't recognize. please I would like to investigate since I don't remember being in a contract or having any relationship with that company. 

The company name is shown as RADIUS GLOBAL SOLUTION, posting a debt of {$430.00} on XX/XX/2023. 

please if any document was seen like I really have a contract or any relationship directly with this company Radius Global Solution I want to have a verification and copy to me. 

sincerely, XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard inquiries were made ( 5 of them on XX/XX/2023 ) on my credit report that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-05-17 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$0.00}

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 2023-05-16 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:
I'm in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e Compliance procedure states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please investigate and provide proof the the consumer reporting agency was in compliance with this matter. Please delete from my report, from this agency, for violating compliance procedures. Thank you for handling 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Sent dispute letters asking to verify debt and was debt was never verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit report with Experian has an unknown email address and phone number linked to it which causes me to be unable to lock and unlock my account. Person with my drivers license info contacted my bank to verify funds in a specific account

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Inquired with local branch inside of XXXX grocery ( XXXX XXXX XXXX XXXX ) store about opening up a checking & savings account ( approx year 2013 ) I didnt have time to complete application but advised would complete at a later time. Provided basic info to bank associate but didnt fill out official forms nor sign any banking agreements. Later received a bank card and request to deposit monies. Account was created without my authorization

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/15 I applied for an American Express Gold credit card and was approved. 
I gave them my personal information. The website was legitimate and authentic. 
My request was processed and I was mailed the card. 
However the following morning I received multiple calls seemingly from the American Express service number. Then they finally called me a fourth time from a different number of a known scammer and left a voice mail. The number was XXXX ( XXXX ) XXXX. In the voice mail. They knew my full name, phone number and the fact I had recently applied for specifically an American Express credit card. At the time I was confused. They asked me to call them. So instead of calling the number back. I went to the American Express websites and called the help desk directly. They said they had no records of them calling me and it was extremely unusual since there was no problems with my account. I immediately knew something was wrong. The scammers clearly spoofed their phone number to appear like American Express help service. I called their security department explained the issue. The service woman explained that they keep my information safe and do not share data with anyone. This was clearly not the case. 16 hours after signing up for an American Express Credit card, I get scam calls about an American Express Credit card using my full name and credit card. The chances of me getting this scam call was either the worlds largest coincidence or the more likely scenario is American Express is compromised I would now like to mention I am cyber security engineer and ethical hacker. I am extremely aware of the dangers of the cyber world. 

Bringing me to 3 possible conclusions. American Express either had poor security standards, has a small group of employees who are stealing data, or American Express is lying and is selling data to 3rd parties. In any case, this is an egregious and blatant failure of American Express to protect its customers and data. 

To add on at the end. XXXX ( XXXX ) XXXX. This is the scam number. Searching it on the internet, you can find other people complaining on online forums about this number specifically, doing the same scam. This is a long running issue that has not been resolved for a minimum of one year. Which is a long time for a single scam number to be active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

Complaint narrative:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

Complaint narrative:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-05-17 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: SC

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
in XXXX  apparently I was added a co signor on a credit card. I was a XXXX, the card owner kept me on without my knowledge until I discovered it on XXXX! I filed a dispute and turns out it was my father. No contact. It was on my credit report every time he was late or something changed on the account. I never knew about this card since day one. After XXXX until I was XXXX never knew about it. How can that be legal? Especially when it impacted my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. XXXX XXXX and Experian are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.

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 2023-05-16 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: DISCOVER BANK
State: TX

Complaint narrative:
Hard inquiries were made ( 5 of them on XX/XX/2023 ) on my credit report that I did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report without my consent? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question XXXX they have violated my rights. how can i have a account reporting on my consumer report without my consent.i did not give a third party to report this bill and it is not legal please validate by providing the origional contract also show where i signed to pass this debt to a collector. they have violated hippa privacy laws. they are also still in the 12 month grace period and shouldnt be reporting the credit agency in question has completely mishandled my credit report and violated the following laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TN

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate the remaining accounts. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$7100.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3600.00}

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 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was contacted by a man 's niece through the XXXX pet-watching app. She was requesting pet-watching services for her uncle that was moving to XXXX. She provided me with his phone number, and he contacted me, first appearing legit. However, soon after he sent me a check through the mail to use for purchasing supplies for his cat, and to pay me for my first week of work. Upon depositing the check, he then asked me to send the money back to a " personal shopper '' because he wanted to use that service instead to obtain the supplies. I fell for it and sent {$500.00} dollars via Zelle on the XXXX app to a Zelle account registered to XXXX, phone number XXXX, and email : XXXX. Unfortunately, my bank informed me that there is no way that I can obtain my money back since I technically authorized the payment through Zelle. I have been in contact with my Bank, and they reassured me that I don't need to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX Reported On XX/XX/2023 Account Balance {$1500.00} This lender or creditor reported that your payment was XXXX, XXXX, XXXX or more days late. 
Capital One Reported On XX/XX/2023 Account XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
To Whom It May Concern, When I applied for a Personal Loan with Synchrony Financial, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that Synchrony Financial engaged in fraudulent behavior ( unauthorized use of credit card )

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 2023-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
They Call me multiple times a day even when I told them the date I get paid. When I talk to them they disrespect me with things like pay your bills even when I explained I got XXXX  they didnt want to help me, then I lost my job they didnt want to help me. A Supervisor took the call because I was due for two months and they didnt want to take more than just a regular payment until I had all two months of mortgage, they are rude and I dont even want to answer the phone because they call to argue or downgrade me, I told them if they didnt take the payment i was going to file a complaint against them. I told them the next payment I will make it on the XX/XX/26 and they called me twice today that I had agreed to make payment today. When I asked for a supervisor name they denied giving it instead I was told to pay my bills

Company response to consumer: Closed with explanation