vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian and the XXXX XXXX XXXX XXXX. I have emails from the credit union stating that there have been no late payments in XX/XX/XXXX, because I lost my job in late XXXX but have since recovered the account. I want the late payments from XX/XX/XXXXremoved and correctly reported as well as my credit score updated correctly from all repeating agencies. I am so frustrated with this? I lost XXXX points in 1 day over inaccuracies and I want them corrected immediately.

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 2022-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX  Credit Cards pulled my credit report. I do not recognize this inquiry, I did not authorize this transaction

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 2022-03-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMB ( JP MORGAN CHASE ) reporting two unauthorized inquiries to the three Credit Bureaus XXXX XXXX, XXXX, XXXX ) Inquiry dates XX/XX/XXXX, XX/XX/XXXX. I do not recognize these unauthorized inquiries. I reached out to the agency on several occasions stating my complaint, as of date, nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
My name is XXXX XXXX, I am filing this complaint on my own behalf. 

On XXXX XXXX I sent out a cease and desist and letter to validate an alleged debt owed to Goldman Sachs through Apple Card. I have a green receipt to prove the letters was received at their facility. I received a green slip certifying that the letters were received at my mailing address just after XX/XX/2022. 

Goldman Sachs and Apple Card has failed to comply to my request to cease all mediums of communication. They have repeatedly called my phone multiple times, violating and failing to cease communication per my request. They have also left several voice messages, which is harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: CA

Complaint narrative:
I was recently disapproved for SCRA benefits under the key provision state of Ohio. My state of residence can be verified on my LES which is attached.

This is wrong. The law explicitly states that Ohio extends the 6 % interest cap on all debts and that a person or entity who knowingly charges a service member interest above 6 % in violation of the act shall be fined under 18 U.S.C. 3571, imprisoned for not more than one year, or both.

I contacted my attorney general for the state of Ohio as this is my home of record and the state that I am legally covered under concerning all laws relating to SCRA. SST returned a denial to the Attorney General as well. That denial is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On my credit report it says Im XXXX  and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im not disabled or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.

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 2022-03-25 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: IL

Complaint narrative:
On my credit report it says Im retired and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im not disabled or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I regrettably bought a brand new XXXX  XXXX from Nissan Motor Company. 

This was the first time I ever bought and financed a new car and first time using XXXX XXXX with XXXX  XXXX XXXX. XXXX said my first payment was late by ten days. ZERO people called from XXXX to notify me of this issue. TECHNICALLY I made two payments the first month which should have covered everything. I was contacted over 4 years later (!!! ) saying I owed a late fee. 

The person who called had been harassing me for weeks and when I was home on XXXX XXXX, a National Holiday a foreign speaking person asked for my bank routing number to pay some sort of late fee. As I can show I made every payment perfectly.

My credit scores for 28 years has been flawless. A perfect XXXX XXXX  score. Thats so perfect and nearly unheard of. 

XXXX now claimed I owed a late fee for over 4 years. Is this really the game they play with perfect paying customers. 

They also recorded my phone calls and with me living in Florida that would be a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted the following : XX/XX/2021 Letter to XXXX updating personal information and removing names I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to Equifax updating personal information and removing names and addresses I am not associated with. Equifax is still reporting false names. 
XX/XX/2021. Letter to XXXX and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to Equifax asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to XXXX to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, XXXX and Equifax to validate information on the report. ( XXXX ) No response as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitted the following : XX/XX/2021 Letter to XXXX updating personal information and removing names I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to Experian updating personal information and removing names and addresses I am not associated with. Experian is still reporting false names. 
XX/XX/2021 Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to XXXX and Experian regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to XXXX asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to XXXX to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to Experian, XXXX and XXXX to validate information on the report. ( XXXX ) No response as of today.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity has been stolen. I got a letter tonight saying a loan has been denied I never applied for at Bank of America, and then i checked my credit report and they tried to open multiple credit cards with XXXX, XXXX XXXX XXXX & XXXX XXXX. I am so stressed out about this and have no idea what to do.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: DISCOVER BANK
State: CA

Complaint narrative:
Company has not responded to my dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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:
Upon checking my credit in XXXX of 2021 and noticed that I had a collections and charged-off accounts on my credit report that I never opened. I contacted the credit bureaus via writing to let them know that I was an victim of identity theft by sending them the FTC Fraud Affidavit as well as a copy of the police report to indicate this. Despite these numerous attempts, the bureaus will not delete these delinquent accounts from my credit reports harming me financially. My ability to gain credit is destroyed! 

I want this error fixed IMMEDIATELY! This accounts needs to be updated in their office, and they need to notify XXXX XXXX that the account is closed and to have all reporting to credit agencies deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX/22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.

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 2022-03-25 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Upon checking my credit in XXXX of 2020 and noticed that I had a collections on my credit report from this office. Upon contacting the office, It has been over 6 months since I complained about this matter and they have not seen this resolved. This is having a negative impact on my credit score.I have requested validation of the debt over 3 times, and they have failed to produce this. Additionally, on their own website, they state if they can not validate this within 30 days, they will delete the information from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: IL

Complaint narrative:
I sent a dispute letter to all XXXX credit bureaus : Transunion, XXXX and XXXX in XX/XX/2022, they are reporting inaccurate information on my report from XXXX XXXX XXXX. I took a screenshot and explained the inaccuracy. I received my credit reports back and all bureaus stated the account was accurate and verified. Per the attached, this is inaccurate information. This is not fair to the consumer. This is affecting my life. Any information on your credit report should be 100 % accurate. XXXX XXXX XXXX along with the credit bureaus have violated my rights and the law. 

In accordance to the FCRA the laws state : 15 USC 1681 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 e ( b ) Compliance and procedures ( b ) Accuracy of Report 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.

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 2022-03-25 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: Summit A*R, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX, These are the dates I submitted written dispute letters to XXXX Credit Bureau regarding Summit Account Resolution reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Account opened on XX/XX/XXXX, XXXX Credit limit is {$15000.00} account is over the limit. 
I notified Syncb/ sams club 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
ATTENTION TO BANK OF AMERICA I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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 2022-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a forgery case. I made/wrote a check through my bank account with XXXX XXXX ( to Person A ). The check was sent ( to Person A ) via mail/USPS and it got intercepted. The person who intercepted my check ( Person B ) cashed my check at a Wells Fargo Bank for a big amount which I would expect Wells Fargo together with XXXX XXXX to follow security protocol and not just release a big amount of money to any individual. I filed a claim with XXXX XXXX on XX/XX/2022. We are about to hit 3 months and neither has Wells Fargo nor XXXX XXXX have made me whole again. I have provided all the documentation that Wells Fargo has requested ( Affidavit of Person A testifying that they never received my check nor cashed it, A letter of Circumstance, a Police Report, Texts, photos, emails ) through XXXX XXXX XXXX Investigator and I have not received my stolen money back or made whole again. I don't understand how my hard earned money was given to the wrong person in a few minutes by Wells Fargo, yet I have to work hard, provide evidence, and wait for almost 3 months and I still don't have my money back. To top it off, Wells Fargo has a bad reputation and bad background when it comes to handling money and stealing from their customers - I don't understand how they are still able to conduct business with such history. All I want is to be made whole again as this situation has not only made me sick/ill with stress, but I have missed on the opportunity of using my money for projects I had already planned for. I would like that both XXXX XXXX and Wells Fargo be contacted and requested to make me whole again as soon as possible.

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