vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
I am XXXX XXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX XXXXXXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.

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 2022-06-11 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: GA

Complaint narrative:
I am XXXX XXXXXXXX I was looking over my credit reports and I see All three credit bureaus marked me as late on both XXXX  XXXX accounts on XXXX XXXX. According to law 15 USC 1681 ( A ), you are not supposed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been paying {$10.00} a month for over a year to protect my credit by locking my file, monitoring my bank account, phone numbers, emails, and social security. Today i received an email saying my account was unlocked and cancelled. I tried to renew it but the new price is {$34.00}. I did not receive any email notifying me this would take place and now i only have coverage for reports. I have no dark web coverage like before and I have to pay {$35.00} if i want my file locked.

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 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Bank has closed my account and already have used my information without my permission. Closed my account without my permission

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 2022-06-11 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:
This account was incorrectly put on my credit report so I reached out to them for debt validation. They have not correctly validated the date yet, failing to list the original creditor I supposedly owed. They listed the account as paid off by creditor in XXXX, but now are re-aging the account to show charged off XX/XX/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 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank will decide who I can spend MY money with. They have no right to censor purchases based on a whim, if I am trying to buy something from a legal vendor they have no right to deny it based on how it affects their business. Chase is trying to block payments to crypto exchanges because it directly affects their business model. If you have a chase account please consider moving all of your accounts to a different organization that won't restrict where you can spend your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Just saw Caine & Weiner pop up on my credit report, tanking my credit report XXXX points. I have never done business with them nor have I authorized them to report on my credit, Im sending this letter because I dont believe they have a signed contract or a past invoice with their company letter head on the top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: VA

Complaint narrative:
Upon reviewing my credit reports in XX/XX/2021, I found an account from XXXX XXXXXXXX ( at some point the agency began reporting the same account under XXXX XXXX and XXXX XXXXXXXX ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.

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 2022-06-11 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Upon reviewing my credit reports in XX/XX/2021, I found an account from NC Financial ( at some point the agency began reporting the same account under Net Credit and NC Financial ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was measured by a tailor in the USA for a custom suit to be sent from XXXX for {$650.00}. The suit had a defect in material and was very ill-fitting and impossible to wear. I had a suit made from the same company more than ten years ago, was completely satisfied and wore it to the appointment for measuring. I asked the merchant to send prepaid return label as it would cost me at least {$100.00}. to send it back. Merchant said no. I asked Citi Bank to dispute the charge. We went back and forth with credits and reversals over the course of many months. Citi finally says no because I supposedly signed something with merchant saying I will responsible tor return charge. I only recall signing the credit card authorization. Citi resolution team suggested that they did not receive pictures that I sent them and that pictures were not necessary The picture would show defect in the material and this would be a valid reason for a 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 2022-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
15 USC 1605 DETERMINATION OF FINANCE CHARGE. Comparable cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit utilization inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a bankruptcy on my Experian report and XXXX report that belongs to my father. I would like this to be removed. It has been removed from my XXXX 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 2022-06-11 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: LA

Complaint narrative:
This account is not mine. I believe I may be a victim of identity theft.

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 2022-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: LA

Complaint narrative:
This account is not mine. I believe I may be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: LA

Complaint narrative:
This account is not mine. I believe I may be a victim of identity theft.

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 2022-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit utilization inaccurate.

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 2022-06-11 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: FL

Complaint narrative:
Credit utilization inaccurate.

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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a bankruptcy on my XXXX report and Transunion report that belongs to my father. I would like this to be removed. It has been removed from my XXXX 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 2022-06-11 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Inquires XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo froze My account on XX/XX/2022. It is a business account and on Friday, XX/XX/2022 I had use my business account with several people sending me money for products from my business that included note stating what the product was for and it aligns with what my business is listed as on Venmo. The amount frozen is {$2300.00}. They did send me an email asking for my ID even though they already had my XXXX number. I went ahead and took a picture and uploaded it and emailed back. They said it would take 3 to 5 business days when the ID was received for them to look it over and sure that it was me and unfreeze my account. However it has been over seven business days I have called them every day they can not tell me how I have violated their terms. Ive asked for a specific rule that I violated and they just give me the senates we dont want to speculate on what you did. I have told them that I am a business I have a XXXX number. I have been in business for over 10 years I have a website and still they just kept repeating the same thing over and over again. Ive had two people tell me they escalated the problem and it should be done within a few hours and it still is not. They said the only way To speak to those representatives is via email but nobody responds to the emails that Ive sent daily. I have orders do that I can not fulfill Because of my account being frozen for no reason. As of right now Im still waiting on the money Im not sure I will ever see it. They also froze my personal account which has {$160.00}. My business account is fairly new within the last 6 months. However my personal account have been opened for a few years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete 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 2022-06-11 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete 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