vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chexsystems has incorrect information attached to my social security number and personal information. I was a victim of identity theft back in XXXX and XXXX. Fraud alerts and police reports were filed as to my purse being stolen. Bank accounts were opened in my name and credit cards that I have disputed over there years and have been deleted from my credit report. Chexsystems has these inaccuracies still attached to my name and social security number. I would like all inaccuracies to be deleted from their data base.

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 2022-06-25 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: GA

Complaint narrative:
Identity Theft and data breach Equifax and XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XXXXXX/XX/2021 Potentially Negative XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$120.00} Highest Balance {$120.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$120.00} Highest Balance {$120.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info

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 2022-06-25 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info

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 2022-06-25 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: FC HoldCo LLC
State: SC

Complaint narrative:
XXXX XXXX sharing my credit information to unapproved/unknown lender and they make hard enquiry without my approval. I dont know flagship credit acceptance, they got my information through XXXX XXXX make hard enquiry which affected my credit score and I want my score to be reverted. The enquiry is unlawful and it hurt me so much. 
Please I want necessary action to be taking to revert my score. 
Thanks

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 2022-06-25 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Vacation 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 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( XXXX yrs, XXXX mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info

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 2022-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I traded my n my XXXX XXXX to XXXX XXXX  in XXXX tn for a new wago and they had some kind of internal issue which I spoke with XXXX and numerous managers about and somehow it fell through the cracks and they failed to pay my XXXX off which we had a load through ally still and it was reported on my and my husbands credit as late/delinquent because it took them over a month to pay it off all while they had it listed on their site to sell. We had been with ally for many years on several different loans and NEVER been late on a single payment in my life. Ive priced myself on my credit and this has completely and unfairly effected my ability to purchase a home. We work very hard and have XXXX children we support and this is WRONg that we are being penalized for their error of not paying off the vehicle to slip through the cracks when we were paying in a new vehicle. After numerous phone calls they finally paid it off and then I got another statement that there was a balnce of {$18.00} that still wasnt paid off which we just took care of because we didnt want any further damage to our credit

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 2022-06-25 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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
Chex Systems failed to provide the requested evidence of the validity of the items in my consumer report and failed to delete them, which violated my federally protected right 15 USC 1681g ( c ) ( 2 ( E ). This violation per 15 U.S.C 1692k permits me to collect damages of {$1000.00} for this occurrence.

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 2022-06-25 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX has incorrect information attached to my social security number and personal information. I was a victim of identity theft back in XXXX and XXXX. Fraud alerts and police reports were filed as to my purse being stolen. Bank accounts were opened in my name and credit cards that I have disputed over there years and have been deleted from my credit report. XXXX has these inaccuracies still attached to my name and social security number. I would like all inaccuracies to be deleted from their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: GA

Complaint narrative:
Identity Theft and data breach XXXX and Experian XX/XX/2021 Potentially Negative XXXX XXXX XXXX  XX/XX/2021 Potentially Negative XXXX XXXX XXXX  XX/XX/2021 Potentially Negative XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 Potentially Negative XXXX XXXX  - XXXX XXXX  XXXX XX/XX/2021 Potentially Negative XXXX XXXX XX/XX/2021 Potentially Negative XXXX XXXX XXXX XX/XX/2021 Potentially Negative 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 non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX I have been with Bank of America for XXXX years now and the amount of times I contact y'all regarding them is crazy they are people that not paying attention to facts or just don't care about there customer accounts because what I don't understand is why my blocked card that was lost/stolen has a charge from a rental agency that I have not done business with since XXXX and used a different card to make that rental and has been cleared out so on XX/XX/XXXX I was charged XXXX to a card that was closes on XX/XX/XXXX, due to me losing my card after relocation from Florida, I contact Bank of America let them know that I have not used my card for any rental come to find out its the card ending XXXX that i closed back in XXXX that had fraud charges on it thats the card that was charged, they tried to charge me XXXX separate times on XX/XX/XXXX they tried to charge XXXX on XX/XX/XXXX on the card ending in XXXX that decline, then the XXXX that the charge that went through on XX/XX/XXXX then the next day XX/XX/XXXX they tried to charge me XXXX but that declined so my question is how did that XXXX go through if it decline the other 2 times they tried to get in, I was also told that rental cars and hotel have the right to go into a card after your rental has being either returned or your stay with the hotel is over if u owe them they go in on a closed card that and charge you so I contact the merchant they tell me that they did not charge they can not find anything was owed to them so XXXX not understanding why when I open my claim XXXX on XX/XX/XXXX I can't for life of me understand what research was really done because as the agent and I talked about that I don't spend that much with my car rentals I only spend XXXX and less than that with my car rentals so Im confused about my monthly statements and it says that it was made by me or someone that authorized but again my next question is I called bank of America blocked my card because I saw XXXX XXXX charges and other chargers with my other banks that I filed claims on because all my cards was lost so my chase business card my bank of America business and XXXX XXXX card was all gone, all lost so if Im confused that I authorized something if my contract with them has been closed and was used with whole different card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021 I received a {$50.00} advance from Brigit / Bridge IT , Inc. ( www.hellobrigit.com ), an app I found on the XXXX XXXX  store for XXXX. I paid the first advance back, but lost my job subsequent to the second one. I informed the company via email, their only provided method of contacting them, that I lost my job and was revoking my consent to debit my bank account via any means, pursuant to the US federal Electronic Funds Transfer Act. I didn't receive any response, and despite my message, the company relentlessly tried to debit my XXXX XXXX account, causing me numerous returned/denied transaction fees. 

Now, for the past 6-8 months, the company has been sending me email messages every XXXX days, non stop, from various fake employees of theirs, asking me to repay the advance. I have sent numerous emails to them telling them to stop harassing me, and I receive no response whatsoever and the emails continue being sent to me. 

The company has no phone number, and no contact information at all other than an email address that they apparently do not monitor ( XXXX ). 

I consider the {$50.00} advance paid in full based on the bank fees and harassment that this company has caused me. 

Here is the company 's information : Bridge IT , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Submitted a dispute for an inaccurate late payment that is reflecting on an installment account for the month of XX/XX/2022. The investigation resulted in a verified reporting. Thus, is incorrect as I submitted proof of payment as well as communication from the furnisher that the payment was made on time and in full and should be reported as such and not over 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Fraud was committed on my American Express. My original purchase was declined by American Express, so I used another credit card. After my other credit card went through, American Express went back and charged my card. I submitted documented proof of this. I also had a credit balance on my American Express account of {$3000.00}. American Express did credit my account for the fraud, but then that would change and go back and fourth. No matter what I do, American Express will not send me my money. I requested a wire transfer that takes XXXX business day... I did not want a check. Thus far, American Express has lied to me : We sent you an email... no they didn't... We sent you a check, no they didn't. I sent wire instructions XXXX times. I got the wire transfer instructions directly from my XXXX account. American Express contends they have the wrong instructions, or they've sent a check or they've done something, but they've done nothing. This has been going on for several months. I've spent hours on the phone with the fraud department and hours in the chat room. No matter what I do, they won't give me my money. 
I tried calling CFPB, but I don't have a cell phone... The phone I use does not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
My mortgage company is Planet Home Lending. In XX/XX/2021 they recalculated my mortgage payment due to my receipt of XXXX XXXX  VA XXXX and waiver of my requirement to pay property taxes. My payments were now principal, interest, & homeowners insurance. The correct amount I have consistently paid on time since XX/XX/2021. Planet calculated incorrectly and, despite paying the correct amount on time, Planet continually has reported my payments late. I tried contacting them over the past months and I am left on hold for an hour or more. When finally reaching someone in XX/XX/2021, Planet initiated another recalculation confirming my argument. Even still, Planet has continued to report me delinquent on my credit report regardless of the fact I have and continue to make my required payments on time.

Company response to consumer: Closed with explanation