vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3200.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} , XXXX  XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, Chapter XXXX Bankruptcy Date XXXX XXXX XX/XX/XXXX Reference # XXXX Asset Amount : {$0.00}. Inquiries : XXXX XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: CA

Complaint narrative:
I hired ADP to process payroll for my company from XX/XX/XXXX through XX/XX/XXXX. Without my knowledge, they sent my account to an overseas company. Not only did they use a Tax ID that I did not provide them with, they also neglected to report the wages of one of my employees correctly to the XXXX. 

They were dishonest and still have not corrected these issues. My State and Federal filings were incorrectly done and the representative XXXX XXXX, in XXXX XXXX, passed me to XXXX XXXX, who is supposed to be a supervisor. Both ladies ignored my calls and never fixed the problems. I have spent over a year trying to correct this and nothing. Have called the XXXX number given to me several times and still not taken care of. 

Instead of correcting the issue they just stopped dealing with me and decided to send me to customer service. Who has no idea what has happened and seems to not care about fixing the issue. 

XXXX XXXX handled incorrectly. Pulled money from my accounts and put large sums in XXXX account that I still don't have back. Address at XXXX changed 9 times. Its been a huge nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
On XXXX and XX/XX/XXXX multiple letters were sent in to XXXX XXXX, XXXX and Experian disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and they also have gone against the Public Records Acts Violations and Privacy Act of 1974! I also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into XXXX XXXX they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!

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 2022-02-02 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a charged off debt from a Citi credit card. I contacted them to arrange a repayment and they told me that it is past the statue of limitations and that they can not accept payment. 

I believe the amount in question is wrong and that if they will not allow me to make a payment that it shouldn't be displayed 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 2022-02-02 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GM FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
Despite the multiple previous written requests, the ARBOR PROFESSIONAL SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
XXXX XXXX XXXX {$1300.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Fraud Activity on my Wells Fargo Debit Card, Now my account is negative XXXX. 

These are all unauthorized and i have no idea how this happened. 

Never had a problem with Wells Fargo before, my card was used without my permission Transactions going to XXXX and ATM WITHDRAWALS., Fraud Deposit into my account as well

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX has been requested to be raised TWICE on the credit card. PayPal Credit has proclaimed an adverse action against myself being the consumer. They have also violated my federal protected consumer rights

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 2022-02-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to Equifax was dated at XX/XX/XXXX up until now I still haven't receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
Disputed with the company on XX/XX/XXXX. The dispute letter was sent by certified mail which the company received the letter on XX/XX/XXXX. It has been well over the 30 days the FCRA gives company to respond to any disputes. It is now XX/XX/XXXX and I have yet to hear back from this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX and Id like to file a complaint against Equifax for violating section 611 Of the FCRA. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received any changes from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation and below are the account that are in questions. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Back in XX/XX/2021 I contacted Pnc bank about a dispute from an airbnb that scammed me while I was away on vacation. The XXXX charged me XXXX for the stay and when it was time to check in the XXXX host did not answer. Pnc refunded the funds, and the within 90 days the funds were taken back from my account. There was fraud and the account was closed, but the dispute could not be re-opened and I lost an account I had for 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am filing my complaint without the help or influence of any third person or agency. Please read the attachments for my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Money was deducted from my bank account with the Bank of America without my knowledge or approval. On XX/XX/2021 and XX/XX/2021 two deductions of {$30000.00} each for a total of {$60000.00} were taken from my account. I immediately reported these losses to the Bank of America upon my return from a trip. I filed a complaint with the CFPB on XX/XX/2021 citing a complaint using the Electronic Funds Transfer Act ( EFTA ) Regulation E, My case number was XXXX filed on XX/XX/XXXX XXXX THE BANK OF AMERICA HAS NOT RESPONDED TO MY COMPLAINT.

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 2022-02-02 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: NY

Complaint narrative:
Good Afternoon, I am e-mailing regarding my XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX - there are XXXX fraudulent charges on my account between XXXX XXXX XXXX and XX/XX/2020. The fraudulent charges are as follows : XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX , NY XXXX XXXX XXXX ) XXXX - Sale : {$230.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX - Sale : {$540.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$860.00} Total : {$2400.00} I firstly want to mention how disappointed I am with the lack of attention and effort I have received thus far from Chase support. I have repeatedly called with no solution in-sight and can not fathom why this I am being pushed to such lengths for what seems to be very obvious fraudulent activity. 

I live in XXXXXXXX XXXX XXXX, far away from any of these towns mentioned. Not only am I distant from these stores, but also, I live in a city where there are XXXX XXXX XXXX in my immediate area. If you see the details of these transactions, you'll notice the proximity of these stores and notice that they were made in quick succession. Furthermore, my wife XXXX XXXX has a XXXX XXXX credit card that we use whenever making those type of store purchases. The other clear outlier is the XXXX in rXXXX where there was another XXXX purchase, the evidence could not be clearer that I did not make these purchases. 

To be clear, I will not be paying the totaling balance of {$2400.00} and I need this matter resolved ASAP. This is causing me severe stress and has been taking a toll on me since XXXX, when I originally brought this to the bank 's attention. I will be following up with this e-mail daily, plus I will be continuously calling until this is all fixed. I am appalled on the lack of customer service, especially coming from an established bank and company of which I've been a customer of for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I provided proof that CREDENCE RM company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. XXXX and XXXX chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX  XXXX Balance : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from 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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened a XXXX XXXX credit card in XXXX of XXXX which Equifax refuses to report. XXXX XXXX says they are reporting it. This adversely affects my credit worthiness as I have never missed a payment.

Company response to consumer: Closed with explanation