vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX which I disputed this account with the Bureau back XXXX XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on 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 non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Systems, Inc.
State: WY

Complaint narrative:
I was working with American Collection Systems , Inc up until XXXX of XXXX which is when I lost my job and had spoke with them to let them know. They then told me to get back in touch with them when I got another job, which I just recently got a new job. Then I guess they contacted the Circuit Court here in XXXX, Wyoming back in XX/XX/XXXX to get a Writ of Garnishment, which was granted them on that day. However, I was not sent this paperwork for a month and a day XX/XX/XXXX after they had gotten the Writ. I didn't receive the paperwork in the mail until XX/XX/XXXX and it wasn't mail certified mail, nor was it served upon me by a sheriff. They took every penny of money I had in my account on XX/XX/XXXX, the day they mailed the writ. I contacted them on the XXXX of XXXX to find out what was going on and was told they did this because I didn't contact them every month after XXXX to let them know I still didn't have a job. Again, though I was told to contact them when I got a job not that I had to call them every month to tell them the same thing. Also, I have another creditor that is already garnishing out of my account at this time. Also, when I spoke to them on the XXXX I was told that my balance was {$30000.00}, but on the Writ it states {$17000.00}. And last year it was supposedly {$19000.00}. So their numbers aren't adding up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the bureaus are reporting this account XXXX inaccurately, i have written the bureaus over a year, wasted time and money, and as you can tell by my documents, they still are on my reports. The fcra says they must report accurately, and they just ignore the laws for consumers, i am a single om, trying to survive in these challenging times, and i am forced to spend time and money, on something this simple. EXPERIAN AND XXXX are the bureaus that are, leaving this document in my file

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 2022-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendKey Technologies, Inc.
State: NJ

Complaint narrative:
I, consumer XXXX have tried numerous times to request that company Lendkey stop reporting late payments to my consumer reports without my consent.

The company Lendkey is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the company Lendkey the written instructions to furnish this on my consumer reports.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Lendkey and

I plan to explore remedy minimum of {$1000.00} for each violation to name a few below. Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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:
Equifax, Please review the attached documents for reference regarding my dispute with XXXX XXXX. I have attempted to send in these documents several times and can not upload them online directly with XXXX. 

On Thursday I was advised by customer service rep by the name of XXXX that you have stated the reason code for my dispute under inaccurate. Please review the documentation that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.

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 2022-03-13 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: IL

Complaint narrative:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the XXXX delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: IL

Complaint narrative:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXX XXXX is unaware of the " Cares Act ''.

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 2022-03-13 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning services reported to the CFPB they removed fraudulent information on XXXX. They lied. 605B of the FCRA section C which allows a CRA to reinsert information previously blocked has 3 specific reasons that need to be met before information is reinserted.

1. Error.

2. Material misrepresentation of fact.

3. Proof consumer received goods or services from the blocked account.

Absolutely NONE of those 3 are true so they can not be proven.

Early Warning gets information that is NOT complete or accurate, yet Early Warning breaks the law by reinserting the blocked account information. 
I have attempted to contact the furnisher of the fraud info but they have NEVER contacted me back. Lies from the furnisher, the reporting company. The police have cleared me, with hard proof fingerprints that did not match the perpetrator, plus proof I did not open the external bank accounts here the monies transferred were picked up. Yet, XXXXthe furnisher of the fraud info continues to harbor the belief it was me. It is this stupidity and arrogance that is harmful to me. 
XXXX has NOT responded to my initial complaint, but Early Warning responded they removed the fraud info but put it back into my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: NJ

Complaint narrative:
I, consumer XXXX have tried numerous times to request that company Fedloan stop reporting late payments to my consumer reports without my consent.

The company Fedloan is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the company Fedloan the written instructions to furnish this on my consumer reports.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Fedloan and I plan to explore remedy minimum of {$1000.00} for each violation to name a few below.

Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On the XX/XX/2022 i initiated an international wire transfer of {$17000.00} through my secure chase bank online account to a family member in XXXX. He never received the money, after six working days i contacted chase bank which i was told to wait a day more, I waited a day more there was still no money in my family member account in XXXX, I called chase bank and instructed them to initiate trace and recall of my {$17000.00}, which they did. the next day XX/XX/2022 i called chase bank again and i was given an email to report the problem am having with the wire transfer, WIRE ACH URGENT, i sent email to them and i did receive a response immediately. 
Thank you for contacting XXXX XXXX. 

To maximize efficiency and turnaround times please follow these guidelines : - DO NOT submit the same request multiple times, it will cause delay - Follow the instructions on the form when entering the required information on the subject line - Do not send requests without a form, as it won't be processed Please note requests received after XXXX pm EST will be processed the next business day. 

Today is XX/XX/2022, i have not received any update or where about of my money, is very scary that a big bank like chase can not trace and recall wire transfer that went via XXXX and secure account. i need my {$17000.00} credited to my Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, consumer XXXX have tried numerous times to request that company Capital One XXXX stop reporting late payments to my consumer reports without my consent for XX/XX/2019. The company Capital One is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the company Capital One the written instructions to furnish this on my consumer reports. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Capital One and I plan to explore remedy minimum of {$1000.00} for each violation to name a few below. Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I spoke with the debt collector four times asking them to validate the debt and I also informed the debt collector that I am not responsible for the debt. I sent in all required documentation however they have not yet reached back out to me after I sent the documentation in which was in XXXX of 2021. I am now wanting the original creditor as well as the debt collector to seize all collections of debt. According to the FCRA they are required to complete investigation and validate within 30 days in which they are in violation of.

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 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Scammer called said they were the bank and that there was details on my account and tricked me into sending {$2000.00} via XXXX I called the bank back the transaction was still pending In my bank today them it was fraud and they said there was nothing they could do to call back Monday the number that I was told to XXXX the money to was XXXX Im recently retired on XXXX behind on bills and that was all the money I have Im XXXX and Im sick over it please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
The issue is related to Best buy Citi credit card. I got a best a best buy credit card with 36 months of promotional XXXX. Most of the credit card statements will reflect A. Minimum payment due B. Statement balance C. Outstanding balance. This company always confused statement balance and outstanding balance. So I was always left with the choice of either paying the outstanding balance or the minimum balance due, leading to them charging me interest. 

2. The company at the time of purchase told us that our purchase payment will be converted into 36 payments but now customer care says that it's 12 months.

3. Tried to reach out to the company two times but they have a very shrewd way of cheating the customers and making some money from the interests that they charge on poor customers.

4. The credit card companies have three payment options : minimum balance due, statement balance, and outstanding balance. They are not clear on this, you need to dig deep or do research to find out about the payments due to avoid interests. 

5. In case they have reported anything to my credit reporting company I want them to withdraw that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
On several different occasions I disputed inaccuracies with Equifax due to XXXX XXXX  reporting inaccurate information. The only thing Equifax has done each time is send back letters saying account was verified and one time they changed the charge off month from XX/XX/2020 to XX/XX/2020 after I disputed a third time. Each time I sent out letters to Equifax I explain the inaccuracies of XXXX XXXX  and Equifax has failed me each time to investigate properly. Attached is evidence that is is clear that XXXX XXXX account is causing more damage to my credit report. Everytime I dispute they dont fix the error and it just lowers my credit score again. How is this fair to me. Under Fcra as a consumer I have rights also for credit report agencies to report accurate information. There is no need for me to give further detail as Equifax should know the laws. Not only did Equifax not fix the disputes I requested for removing the charge off they didnt even provide a method of verification of how they verified my payment history. I do not want this to be updated again. As I said Everytime they change a month my credit drops from the dispute. Equifax needs to remove this paid charge off with the incorrect payment history across all three major bereaus. It was never a charge off from the beginning. Insurance paid this account before the charge off was reported so why should I keep suffering for XXXX XXXX  mistake that Equifax has failed to fix on multiple occasions. Delete this account completely. I will seek legal counsel if Equifax does not completely delete this XXXX XXXX  account for their reckless reporting. I have provided enough proof which I shouldnt have to continue to do. Charge off dates amounts are not even correct. XX/XX/2020 charge off has XXXX  balance on two credit reports while on another credit report the XX/XX/2020 charge of balance has {$930.00}. This is so stressful. Delete this before I also sue to recover damages for this not being handled after multiple letters to Equifax. Thankfully I still have my dispute letters and so called verifications that Equifax mailed back to me. They claimed they verified my payment history but its clear that have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, Capital 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

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