vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; Account name : XXXXXXXX XXXX XXXXXXXX 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report 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.

I have never missed a payment with this alleged creditor and it states that the 5 ( five ) payments reflecting a collection stemmed from them " not being able to locate the consumer '', however, I have been at the same address since 1998 with no other residences or domiciles. They continued payment after this alleged misplacement and were collecting without dishonor beforehand. There is no justifiable reason that they lost my place of residence to deliver/receive payment, and this inaccurate reporting has damaged my credit report and potential lending. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
This is in reference to complaint XXXX. Experian responded and said that the account that I disputed was not on my credit report when in fact it is. I am requesting that this account be removed from my credit report within 15 days since I have already tried to remedy this issue. Please remove this account XXXXXXXX XXXX XXXX XXXXXXXX from my credit report. I attached my credit report in response to Experian stating that it was not reporting 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 explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX did not nor did the company they are working in conjunction with take the take the proper notification procedures to notify me of any action, this is very unprofessional and Im sending this malicious activity to my attorney if this isn't removed from my 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 2023-04-19 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. 

Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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 the fair credit reporting act convergent account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that 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 2023-04-18 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I was never late on the paid off account listed above. please show me documentation showing proof of transaction, showing I was ever late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Applied for a credit card and was denied XXXX  months after bankruptcy finalized. Negative reports still on credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
In XXXX of 2020, I deployed to XXXX XXXX. I submitted a copy of my lease with the landlord XXXX  months prior to my PCS date. She agreed that my lease would not be considered broken due to that reason, and I had no past due balance when I turned in my keys to her. I received found out about a collection account with XXXX XXXX XXXX for the amount of {$5200.00} for past due rent and an eviction. I contacted the company on XXXX XXXX requesting proof of this debt as well as any contract that I have signed. I havent not heard from them. Every month, the amount increases and they still have not sent attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: CA

Complaint narrative:
On XX/XX/2023 I found XXXX transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( XXXX transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account 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 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo regarding the denial of our claim for the incomplete and substandard work done by XXXX XXXX XXXX ( XXXX XXXX ) on our property. We paid XXXX XXXX XXXX ( XXXX XXXX ) a total of {$15000.00} for electrical, window framing, painting, and plumbing work. Unfortunately, the work was incomplete, substandard, and in some cases, dangerous. 

Despite repeated attempts to communicate with XXXX XXXX XXXX ( XXXX XXXX ), they have not responded to our calls, emails, or texts. We also discovered that the electrical work done by XXXX XXXX XXXX ( XXXX XXXX ) is not up to code and poses a significant safety risk. We have contacted another licensed professional who assessed the electrical work and confirmed that none of the work is up to code. 

Additionally, we can not find any information about XXXX XXXX XXXX ( XXXX XXXX ) 's license number that they stated on the contracts we have signed. We have contacted the Nevada Contractor License Board to confirm and find their information, but they can not find it either. XXXX XXXX XXXX ( XXXX XXXX ) also failed to complete the work within the agreed-upon time frame, which constitutes a breach of contract. 

We filed a dispute with Venmo, but our claim was denied unfairly without a proper review of the facts. We have attached picture evidence, text message proof, and signed contracts detailing the following : work not completed per signed contracts, dangerous framing work that needs to be entirely redone to bring up to code, dangerous electrical work that needs to be entirely redone to bring up to code, and the fact that XXXX XXXX XXXX ( XXXX XXXX ) lied about being a licensed XXXX. 

We are requesting that the CFPB investigate XXXX XXXX XXXX ( XXXX XXXX ) 's business practices and take appropriate action to protect consumers from their fraudulent behavior. We also request that you assist us in resolving this dispute with Venmo and obtaining a refund for the work that was not completed or done in a substandard manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a US Bank Visa Gift Card from a friend in XXXX, XXXX. I did not realize until XXXX, XXXX when I tried to use the card at my local XXXX that it needed to first be registered. On about XX/XX/XXXX, I went online to register the card and realized that someone using the name XXXX, had fraudulently registered the card and used it at XXXX on XX/XX/XXXX. See attachment XXXX, Card Activity, that shows two XXXX transactions that werent made by me or authorized by me. This realization was quite a surprise, as I have always been and still am in possession of this gift card. I assume this was a computer hacker or insider who had access to computer files containing US Banks Visa Gift Card account numbers and corresponding PINs. 

I immediately called the number on the back of the card, XXXX, and was routed to a call center somewhere in XXXX. This is an assumption on my part, but Ive called several times and each time I spoke to a different agent with a very thick XXXX accent. When I asked where they were physically located they said they were not able to reveal that information. The agents informed me to mail or fax copies of the card front and back and also include a copy of my drivers license. I explained I was not comfortable sending a copy of license and would only send it with my birthdate and license number blacked out. They could have my picture and address and see that I had a valid AZ drivers license. Their system was already hacked, I did not feel comfortable exposing myself to identity theft. I mailed the requested documents to US Bank Gift Card Cardholder Services, XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, XXXX. I waited two months and heard nothing. A followup called revealed that they had my information but would not replace the Visa gift card because I blacked out my sensitive drivers license information. They wanted another copy of my license without the blackout. So I sent a copy on XX/XX/XXXX, but this time I sent it certified mail so I could track where my information was going. This enveloped was returned to me No Mail Receptacle, Unable to Forward.

I even went into a local US Bank branch to see if they could help me. But they still wanted to send my drivers license information to their XXXX XXXX XXXX XXXX. At this point, XXXX very uncomfortable giving this sensitive information to XXXX Banks XXXX XXXX XXXX XXXX. Its clear to me that that this card information was hacked. I feel US Bank is being unreasonable in admitting that the fraud occurred on their end. Ive even enclosed the receipt from the purchase of the gift card, ( See attachment XXXX ). If you can provide any assistance in getting a replacement {$100.00} gift card I would appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email notification from JP Morgan Chase Bank that my business checking account had been overdrafted. After checking my online banking history I noticed 33 un-authorized charges made via my Chase Business Visa debit card for three retailers : XXXX, XXXX and XXXX and XXXX stores. I did not make my debit card or any of my personal information available to any other individuals for use at these stores. I went into a Chase branch and informed the banker who assisted me in calling the fraud claims department. I was informed by the Chase representative that the un-authorized charges were made using a XXXX XXXX digital wallet setup using my stolen identity and Chase Business Visa Debit Card on an unknown device ( s ). I never installed, setup, or authorized a digital wallet on any of my devices. However, the claim was denied, despite the fact that I was told that I wouldn't be responsible for fraudulent charges when I initially opened the account. Very little information was provided on why the claim was denied other than two-step electronic verification was used to create a digital wallet account using my phone number which I assume may have been cloned for this illicit purpose. On XX/XX/XXXX I filed an official police report. I own an XXXX XXXX device and provided the fraud department my specific phone and XXXX XXXX XXXX service provider information. I've never had a digital wallet setup on any of my devices. I also provided Chase with two signed and notarized affidavits explaining the fraudulent charges in detail, the police report, and a detailed list of each of the 33 fraudulent charges including dates, locations and amounts of each transaction. The unauthorized and disputed charges by XXXX, XXXX and XXXX and XXXX stores totaled {$6800.00} from XX/XX/XXXX thru XX/XX/XXXX. I have since changed my email password, my Chase online banking username and password, and canceled and replaced my Chase Business debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NJ

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 1681. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : XXXX  XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account 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 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 item of information, other than records of convictions of crimes which antedates the report 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 explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hello, enclosed is the complaint and verification. 
Fair and Accurate Credit Transactions Act. 
Please get the Experian accurate score uploaded. 
Thank You! : - ) Sincerely, XXXX 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 explanation
Consumer complaint received 2023-04-18 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: NY

Complaint narrative:
I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.

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 2023-04-18 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: NY

Complaint narrative:
I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called 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 explanation