vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied for an XXXX XXXX XXXX  card through Chase at the end of XX/XX/2022. The offer I accepted for was for 0 % 12 months on purchases. I have been making my purchases and started carrying a balance as i thought there was 0 %. I do everything paperless and I happened to look at my last bill as I have been doing some remodeling to my house and noticed a finance charge. I called Chase and they said I do not have 12 months at 0 %. I asked to speak to a manager who was XXXX  and said they have no reference of that and I would be paying the interest charges. I asked to file a complaint with the executive office, he said he logged the complaint and there was nothing else to do. 
I have paid XXXX, XXXX and XXXX thus far in interest that I should not be paying for. 
I have not missed any payments and make more than the minimum payments so there is no way that I voided the XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I enrolled in XXXX rewards program to enroll for my home rent payment in XX/XX/2022. In the recent month, I was notified that a XXXX credit card under Wells Fargo was dispatched/issued to me when I had not applied for such a card. On seeing the app where I go regularly to do my rent payment, I see fraudulent charges done on this card. 2 days ago I received this card physically. Even though I did not apply for this card and the physical card just came in, I see charges on the card done online 10 days back for more than 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 2022-11-22 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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  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 : It alsos 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 adverse items of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2022-11-22 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX 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 : It alsos 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 adverse items of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

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 2022-11-22 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX I sent Experian a letter to remove inaccurate personal information from my credit report that they are reporting. I sent my drivers license and a copy of a utility bill to support my claims of inaccurate info. It is now XXXX and they still are reporting this information. This is very harmful to my credit, as there are names that aren't even the same last name as me, and addresses Ive never lived at. This needs to be removed immediately. 

Ive enclosed the original letter as well as a copy of my credit report for reference.Ive also enclosed my drivers license and a utility bill again.

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 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
BANK OF AMERICA WON'T RELEASE MY FUNDS. I RECEIVE XXXX XXXXXXXX and BOA SHOULD have protected my funds.BOA withheld {$120.00} for their legal fees and {$100.00} to the attorney XXXX and XXXX. BOA received a garnishment and enforced it on XX/XX/XXXX. On XX/XX/XXXX, attorneys at XXXX and XXXX sent a release of funds to the Bank of America and to the courts. This ( XX/XX/XXXX ) morning I was told they still had the courts garnishment in place and BOA would not release my funds

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 2022-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX 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 2022-11-22 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: Synovus Bank
State: NY

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with FSTPROGRESS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
In XX/XX/XXXX I received the billing statement that showed that in XXXX of the same year there was an automatic payment reversal of {$25.00} on my account ( XX/XX/XXXX ) then the payment is shown as received ( XX/XX/XXXX ). 

I don't know if that ties into my main complaint or not but I wanted to include information. 

About that same time frame I enrolled in the Aspire Credit Protection program which per their frequently asked questions and terms ... pays the minimum payment on the account for up to six billing cycles. ( See attached ). 

In addition it is stated that no credit protection fees or late fees will be charged while on the program. ( See attached ). 

For the last three billing cycles I've been charged a {$41.00} late fee every month and per the online chat conversation with customer service.. the minimum payment isn't even being paid. ( See attached ) This is all contrary ... ... to what in the terms and in the frequently asked questions on the company 's website. 

I asked customer service about this they stated that because the minimum payment wasn't being paid that I would be charged late fee and when asked about filing a complaint about that I was told that you can't file a complaint .... it is what it is. 

Now there's something shady and suspicious about all that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I paid the majority of the balance of my card with Comenity Bank off on XX/XX/XXXX per their own records. To date, they have not reported the balance reduction to the credit bureaus. I called on XX/XX/XXXX asking why it wasn't being reported. They said they did system updates and hadn't reported anything for anyone in months. They assured my they would report my updated balance on at the end of XXXX. It is now almost the end of XXXX and they still haven't reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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 — Card was charged for something you did not purchase with the card
Company: OKX INC.
State: AZ

Complaint narrative:
My complaint is with XXXXXXXX XXXX and OKCOIN. I was contacted by a salesman from XXXX XXXX, who sold me a subscription for {$190.00} back on XX/XX/2022. I paid it with my XXXX credit Card. In XXXX he call me again and told me that subscription was no longer being offered and he had been trying to refund my money. He connected me to a XXXX XXXX who could help me. XXXX asked me to log onto my computer and he could transfer me the money. I told him I wasnt giving him my Bank Infomation, he said he didnt need it. When XXXX tried to transfer the money, he claim he sent {$9800.00} into my account. Then he claimed he sent my {$200.00} onto a OKCOIN account. He transferred {$9800.00} out my saving account into his own account. I went into XXXXXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX Az. XXXX and they told me their was nothing they could do. I filed a compliant with the Atty. General Office and the XXXX # XXXX, XXXX Police Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TN

Complaint narrative:
I have contacted this credit bureau in regards to incorrect and improper reporting on my account. I initially submitted my complaint on XX/XX/2022 to XXXX, Transunion and XXXX. After I submitted my complain via the CFPB, I was asked to provide documentation to verify my identity in which I did. I sent these bureaus 3 different sets of copies to verify my identity via certified mail and the first two we're unsuccessfully received. My last set of verification documents was sent off last Monday yet all agencies have closed my complaint without removing this information that doesn't belong to me. 
The credit bureaus 's stated that my account has was properly investigated but how can that be when I've been a victim of identity theft and this information doesn't belong to me? I've submitted a Identity Theft Affidavit along with this complaint stating this information. 

This is grounds for removal under the following : 15 USC 1681c-2 -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.

All of these requirements have been met and still this inaccurate and incorrect information is being reported on my account.

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 2022-11-22 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: Mutual Management Services LLC
State: GA

Complaint narrative:
Last XX/XX/2022, my credit score dropped XXXX points. I checked and a company called Mutual Management Services reported an account on my credit and said that I owed {$2200.00} to an apartment complex. I advised them that I did not owe that to this company. I provided proper notice and moved out because of maintenance problems. However, in an effort to remove it from my credit, I paid the company {$960.00}. They never gave me credit for paying the {$960.00}. Each time I dispute the account, the collection company reports to the credit bureau that the account is accurate. I am requesting a copy of my signed lease because I do not believe that I owed any one the money that this collection company claims. I believe that the maximum I would have had to pay would have been an early termination fee and I have paid that already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: WA

Complaint narrative:
To whom it may concern, see attached FTC Report, Utility bill, and two forms of ID. Delete the fraudulent accounts pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: GA

Complaint narrative:
Experian has reported bankruptcys on my report with incurate info..Experian has listed case XXXX name of where documents were filed is different then what is in report... epacer shows filed with georgia northern district court... Experian shows us bankruptcy court ga XXXX XXXX. .a obvious error will attach docs ... .for proof ... .also verified with the clerk of court that they do not report and public records to credit bureaus

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