vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: MS

Complaint narrative:
A police report was submitted to ALL three bureaus ( XXXX, XXXX, and Experian ) XX/XX/2022, regarding identity theft regarding the following accounts : XXXX XXXX, Balance : {$3100.00}, XXXX XXXX : Balance {$1200.00}, XXXX XXXX Balance {$460.00}XXXX XXXX  : Balance {$260.00}, XXXX XXXX : Balance XXXXXXXX XXXX XXXX  : Balance {$300.00}, XXXX : Balance {$250.00}, XXXX XXXX XXXX  Balance {$400.00}XXXX XXXX XXXX Balance {$450.00}, XXXX XXXX Balance {$100.00}, and XXXXXXXX XXXX  {$670.00} XXXX removed accounts within 30-days, while XXXX and Experian have neglected to conduct a thorough investigation. Due to neglect, and it is XX/XX/2022, and no investigation results have been mailed to me. 

Per 15 USC 1681 B ( a ) 2 This law states that no one can furnish information on your consumer report without my written instructions.

Per 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-11-05 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.The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 usc 1681A states I have the Right to privacy.

15 usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c. 1681C. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXXXXXX XXXX  acct # XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXXXXXX XXXX XXXXXXXX acct # XXXX & XXXX XXXXXXXX XXXX XXXX  acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX & XXXX XXXX. XXXX acct 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 2022-11-05 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: CA

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 usc 1681A states I have the Right to privacy.

15 usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c. 1681C. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX XXXX acct # XXXX & XXXX XXXX XXXX acct # XXXX XXXX. XXXXXXXX XXXX XXXX  acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXXXXXX XXXX XXXXXXXX acct # XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX  acct # XXXXXXXX XXXX  XXXX XXXX. XXXX acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm in the XXXX Data breach and my identity was stolen from all creditors and person involved and I would like to let you know I received my XXXX confirmation number.

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 2022-11-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2002, a group of 4 of us had a light lunch at a neighborhood diner in XXXX XXXX. We paid with my Chase sapphire reserve credit card for XXXX euro and change for the meal. When we came back to US in XXXX, I found out that there was an additional {$500.00} Euro charge to the card by the same business at exactly the same time the meal cost was charged. 

I called Chase to report the fraud in XXXX. According the specialist in Chase, this issue is classified as dispute, not fraud in Chase ' definition, because my card was actually at the hand of the people who charged the XXXX Euro at the time that happened, it's just that I did not receive the actual service. They also mailed me a so-called receipt from the party who made the XXXX Euro charge, which as a fake signature that has no any resemblance to my name. 

I repeatedly argued with them that I have no clue the charge, let alone any so-called services related to the charge. But Chase for 3 times declared that they found there was no error for the charge and the transaction was valid. 

And because it's not a fraud in Chase ' term, I could not even talk about fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: TX

Complaint narrative:
I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXX SIMPLE was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I sent the company a 30 day validation letter request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX, have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds on hold by us bank with out any authorization or merit. Us bank Corporate office placed a hold on are XXXX XXXX XXXX XXXX XXXX, Us bank account last XXXX XXXX on XX/XX/2022. Us bank 's unfair & discriminating actions, violate, XXXX  XXXX XXXX Practices XXXX XXXX, California Deceptive Trade Practice act protection, and the California unfair Competitive act protection laws by Placing a Us bank business account hold on XXXX XXXX XXXX XXXX XXXX, Us bank account number XXXX, preventing all the board of directors access to XXXX XXXX XXXX XXXX XXXX, {$21000.00} 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 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello, so I have been in contact with the the credit bureau about account XXXX XXXX XXXXXXXX account that have been reporting inaccuracies I have sent letters reporting the information in XXXX XXXX the information was removed from on credit bureau but not the other XXXX which have been affecting me and my score tremendously. I need the information to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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:
My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved 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 non-monetary relief
Consumer complaint received 2022-11-05 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: TX

Complaint narrative:
My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
Wanted to pay an invoice through Paypal as a guest, but Paypal created an account without my specific authorization, and stored my credit card information without my authorization. 

Using this alleged service is very troublesome, confusing, and dishonest on the part of Paypal..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. 

XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2022-11-05 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: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXX XXXX Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. 

XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2022-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXXXXXX, XXXX  Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please Apple Card - Gs Bank Usa Apple Card XXXX Gs Bank Usa ( Revolving ) Accounts - Summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: GA

Complaint narrative:
XXXX and Experian has reported a XXXX XXXXXXXX on my credit report and has not shown any proof of how and when the information was verified ; state laws clearly states that the XXXX XXXXXXXX bankruptcy courts never report or transfer anyone records to any of the Bureaus for any purposes. This is not my bankruptcy

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion and XXXX has reported a XXXX XXXXXXXX on my credit report and has not shown any proof of how and when the information was verified ; state laws clearly states that the XXXX XXXXXXXX bankruptcy courts never report or transfer anyone records to any of the Bureaus for any purposes. This is not my bankruptcy

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 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I received a garnishment letter in the amount of {$2500.00} from Velo Law collection agency. In total {$1900.00} was garnished from my wages. I called Velo Law office around XXXXXXXX XXXX  to get the remaining balance so I could pay it. I spoke to a receptionist who stated I owed over {$900.00} which is not correct. I should only have a balance around {$600.00}. I repeatedly asked her where the extra charges were coming from and she kept putting me on hold stating it's in the judgement. I was never notified nor received any documentation about the amount changing. They are fraudulent adding charges and going to court without my knowledge in order to prevent me from showing proof of what I paid.I sent an email on XX/XX/2022 and they did not respond by phone or email. I am in the process of filing a complaint with the Michigan attorney general as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation