vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I called the number and told the person who answered to " stop calling this private cell number, is that understood ''. They seemed to know the number who was calling and asked if I was a certain person. I repeated myself thrice. Each time they'd refuse to stop calling and ask if I was a certain person. My name is XXXX, not the mans name they're trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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:
The company, Experian, refused to follow laws set up by the government. Experian says that the information, that does not belong to me, can be verified, but refuses to send the supporting documents to support this claim. This is a request to see the " wet signature '' along with supporting documents to place this infomation on my credit report. By law, Experian must send the customer a copy of the documents used to verify this claim as true. Experian has yet to send any documents to me violating the laws to protect consumers.

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 2022-03-08 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:
I am being violated by Equifax as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have high credit card limit & purchase everything on my bank of America credit card. My brother got married in XXXX of 2021 & I offered to put the cost to their venue on my credit card. In response, he paid me back in check & {$5000.00} cash. I've deposited the {$5000.00} cash into ATM at XXXX XXXX location XXXXXXXX XXXX XXXXXXXXXXXX XXXX. The ATM took the money & shut down & only gave me a slip that said we are unable to process this request. I have immediately opened a claim. After multiple long follow up calls, I finally received only {$4000.00} credit back on my credit card. I had to reopened my claim immediately & haven't received my money back. I get transferred Everytime i make an inqury regarding this clam & it hasn't been resolved after almost 8 months.

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 2022-03-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-08 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: MA

Complaint narrative:
I am sick of dealing with this situation with Equifax, I have disputed information on the XXXX accounts on my report and they are ignoring the law. The are currently breaking the law. I am not a lawyer, but I am a concerned individual, that has invalid, incorrect, unsubstantiated information on my credit report and I want it removed immediately. 

There are multiple laws that Equifax is violating by reporting these false accounts and by law they are permitted to remove them. I have also filed an FTC Affidavit as well as will be filing with my attorney general. 

I am attaching all documentation that I have sent. 

Equifax is in violation of Act 15 USC 1681 subsections : 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b ) 15 USC ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: STATE STREET BANK AND TRUST COMPANY
State: NV

Complaint narrative:
I retired from XXXX XXXX on XX/XX/XXXX. I requested my employer to execute a 401k rollover on XX/XX/XXXX. I opened an traditional IRA account with XXXX XXXX to receive the 401k full rollover amount of exactly {$190000.00}. 
XXXX XXXX provided me a confirmation letter stating that {$190000.00} was transferred to my XXXX XXXX Traditional IRA account. 
I have been contacting XXXX XXXX several times and they stated they never received any funs from XXXX XXXX. 
I have also contacted State Street Bank and Trust but they refused to provide any information about my 401k account. 
XXXX XXXX provided check number XXXX which they mailed to XXXX XXXX on XX/XX/XXXX and they claim the check status show as paid. 
The XXXX XXXX  address I provided to XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX changed 401k servicing from State Street Bank and Trust to XXXX on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and they do not have any information about my account. 
On XX/XX/XXXX XXXX XXXX notified me that they opened an investigation but I have not been able to get any resolution to my complaint. 
At this time I am unable to get any information from either XXXX XXXX, State Street Bank and Trust, XXXX nor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MA

Complaint narrative:
I the consumer the natural person, have contacted Experian twice about this issue on XX/XX/XXXX and XX/XX/XXXX about reporting inaccurate information on my consumer report. I have disputed certain accounts on my consumer report and they came back verified. This consumer reporting agency never ask for my verification before they let these debt collectors furnish my report. They havent disclosed their method of investigation to come to the conclusion to verify alleged debt information Pursuant to 15 USC 1681b ( a ) ( 2 ) I notified in writing ; receipt with instructions. My rights have been violated by Experian. They disregard my instructions and proceeded to break the law. I did not have a direct written agreement with Experian to publicly display my information on my behalf. This vital role has cause me harm, they have ruin my reputation and violated my privacy by sharing my information which is consider identify theft. 15 USC 1681a ( q ) ( 4 ) also Pursuant to 15 USC 1681a ( d ) ( 2 ) ( i ) I disclosed with Experian it is unlawful to share my transactions and experiences. They continued to break the law.

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 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
in 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 R.S. CLARK AND ASSOCIATES is trying to collect on a debt that does not belong me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XX/XX/XXXX XXXX email received about a debt owed and legs action would be taken if not paid. Despite having no loan from the company or any sub company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XXXX, 2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.

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 2022-03-08 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:
I recently moved to XXXX and in the process some of my personal items have been misplaced. My wallet, dl, ss card, bank cards ect. i dont know exactly where due to the move to XXXX XXXX I tried using my credit last month and was denied for a home due to my credit. I have never used credit before so i dont know how this happened. I have alot of accounts on my credit report i did not open. in addition to the accounts listed on this form there is additional accounts and addresses that do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
This month XXXX XXXX I already paid the insurance and still got two lat fees. I called us bank about the cashier check and they said check was good. I deposit check but usaa stop it. Giving me a fee plus another fee and another fee..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
XXXX XXXX Last 4 of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
Todays date is XXXX Talked to this XXXX they told me that XXXX XXXX XXXX pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for XXXX XXXX XXXX, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for XXXX XXXX XXXX. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as Funding below, and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX These Accounts are not mine no supporting documents XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX. These accounts are not mine never provided me supporting documents. 

XXXX XXXX Personal Information XXXX XXXX XXXX XXXX not mine XXXX AZ, XXXX Credit Inquiries XXXX XXXX XXXX XXXX Revolving Credit Accounts XXXX XXXX XXXX XXXX XXXX XXXX Derogatory Information XXXX XXXX XXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

XXXX you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Last 4 of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX  below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
Todays date is XXXX Talked to this XXXX they told me that XXXX XXXX XXXX pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for XXXX XXXX XXXX, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for XXXX XXXX XXXX. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as XXXX below, and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX These Accounts are not mine no supporting documents Experian XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXX XXXX  XXXX XXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX  XXXX XXXX XXXX. These accounts are not mine never provided me supporting documents. 

XXXX XXXX Personal Information XXXX XXXX XXXX XXXX not mine XXXX AZ, XXXX Credit Inquiries XXXX XXXX XXXX XXXX Revolving Credit Accounts XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

XXXX you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.

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 2022-03-08 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: FL

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I Called the company Oportun at XXXX XXXX. 
Personal loans : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Spoke with a customer service representative. I explained that the amount of my balance is incorrect. That needs to be up dated, as soonest possiable. I was told that they would forward the information to the correct department and Open a Ticket for follow up? 

** Oportun contacted me apologizing, that indeed the information was incorrect. BUT did not update the 3 main Bureaus with the correct information. What's the point of submitting the correction and complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
ON XX/XX/2021 I VISTED XXXX XXXX STORE IN XXXX XXXX, CA. THE LADY AT THE REGISTER ASKED IF I WANTED TO APPLY FOR THEIR STORE CARD, I SAID NO THANK YOU, BUT SHE INSITED IT WAS A SOFT PULL THAT WOULD NOT REGISTER AS A HARD INQUIRY ON MY CREDIT REPORT. 
I SAID FINE AND FOLLOWED ALONG ANSWERING HER QUESTIONS, I GOT THE CREDIT CARD DENIED AND HARD PULL RECORD ON MY CREDIT. 
SHE ARGUED IT WOULD NOT BE ON MY CREDIT REPORT YET HERE WE ARE. 

SYNCB/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 2022-03-08 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: NJ

Complaint narrative:
I've disputed this ( XXXX XXXX  ) charge off account several times over the past year with Experian. Each time they have updated the account but have failed to notate in the comments section that the account was disputed by the consumer within 30 days. Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 3 ), the reporting agency may not furnish the information without such notice that the information was disputed by the consumer. This is a clear indication that this company has failed to properly investigate my disputes for over the past year

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 2022-03-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Note : All items listed in this Dispute Letter have been NEGLECTED and REFUSED to be investigate nor validated by Equifax to determine the accuracy. Remove all listed items PROMPTLY. 
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 2022-03-08 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have a XXXX card through Chase. Charges were on the card that I didn't make. I have never used the card. I have been going back and forth with Chase for months. They agreed to remove the charges and waive the fees. They have backed out some of the charges but not all of them. Chase customer service is, of course, worthless.

Company response to consumer: Closed with explanation