vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX outstanding balance was 0, but the 2 credit agencies, Equifax XXXX XXXX failed to update my credit despite of numerous disputes. I contacted the XXXX  but they have no more record regarding my student loan balance because I was given forgiveness on my loan from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
This company is falsely reporting inaccurate information which has affected my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: TX

Complaint narrative:
XX/XX/2023 access was denied. Was asked to called XXXX or XXXX. So, I did XX/XX/2023 - the issue was resolved as I purched using some for my XXXX amount givie=e. 
XX/XX/2023 access denied. I logged into this website and they had my number wrong. So, I repaired it. However, it's still acting strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inquiries on my report that I did not authorize and I would like to have them removed. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XXXX XXXX XXXX and XXXX credit card was opened fraudulently using my identity and XXXX and XXXX refuses to remove and delete this account from my credit report. I am a victim of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Friday, XX/XX/2023 was payday, yet JP Morgan Chase did not released my funds to my XXXX  account ; not one email was received regarding this issue - I had to find out via social media. Also, they have no timeframe to when my funds will be officially deposited into my account and that isnt fair. 
I, like millions of people, have bills to pay and they do not operate on a We will let you know basis. My funds still arent available, and the fact that Chase is not providing any type of compensation, due to such negligence on their end, is wrong and unacceptable. 
Im not pleased with this at all and I need the situation to be rectified pronto, as well as compensated for missing out on my money for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover is repeatedly reporting a supposed debt inaccurately to my XXXX credit report. I have reached out to them to have the account removed for violating the FRCA however they continue to confirm it's reporting correctly. Pursuant to 15 U.S.C. 1681-1681x companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information According to Discovers responses I have disputed this account on numerous occasions questioning the accuracy of the reporting. As of this day, my credit report does not have the following -Closed Date -Last Verified -Original Creditor According to the statements from XX/XX/XXXX to XX/XX/XXXX Discover sent me, my last payment was made XX/XX/XXXX which is confirmed on my credit report. 

Late payment fee dates according to Discover statement -XXXX XXXX XXXX ( 30 Days late ) XXXX XXXX XXXX ( 60 Days late ) XXXX XXXX XXXX ( 90 Days late ) - XX/XX/XXXX ( 120 Days late ) - XX/XX/XXXX ( 150 Days late ) - XX/XX/XXXX ( 180 Days late ) - XX/XX/XXXX ( reported as charged off ) XXXX XXXX XXXX ( Account shown as closed ) Date of Last Activity is showing as XX/XX/XXXX. I am requesting again that Discover send me documentation on what changes happened on XX/XX/XXXX to an account that was charged off in XXXX of XXXX, they have verified this repeatedly and if they can not show proof of activity I ask they please remove this account. 

I am requesting proof the account was opened on XX/XX/XXXX as stated on my credit report along with the contract that was signed. 

Furthermore this account was dismissed without prejudice by a XXXX XXXX in XXXX according to a written letter from Discover. I am expecting a prompt response with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
ACCOUNT NAME CREDIT COLLECTION SERV Account : XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is false fake fraudulent credit reporting. I have never made a payment to this fraudulently induced loan. Remove from publication. U r being sued for this and it is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is false fake fraudulent credit reporting. I have never made a payment to this fraudulently induced loan. Remove from publication. U r being sued for this and it is in dispute.

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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase has restricted my account, blocked all type of debits from my account, even turned off mobile deposit for me. They're not even letting me make a XXXX transaction. I need my account to be reinstated right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX stole absconded misappropriated and embezzled return of all money I offered to cancel this fraudulently induced loan. They breached the contract terms and illegally unlawfully and intentionally stole this money from check XXXX to stuff their pockets at my ongoing sever emotional physical and spiritual harm. Remove debt and return the money to XXXX you criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian is reporting falsely a account that is included in a bankruptcy filed inXX/XX/2019 as negative showing the vehicle as repossessed and it was never repossessed they are also reporting 49 months negative payments and this is false i have contacted theXX/XX/XXXXXXXX XXXX XXXX XXXX ) and they confirmed that it is Experian reporting this negative information because it is not them and they also confirmed that XXXX and XXXX are reporting correctly but that Experian is not reporting correctly i have called Experian and they have not corrected this incorrect information which is hurting my consumer 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By Equifax doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. Equifax has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. Equifax has forward me XXXX letters dated XX/XX/2023 and XX/XX/2023 stating an illegal Section of the FCRA that does NOT exist Section 605B ( c ). There is NO such act. Equifax has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. Equifax has denied Section 605B of the FCRA. 

Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit. 
2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on certain criteria.

Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
I had my century link internet disconnected inXX/XX/2022, I was told over phone with representative that if I paid {$120.00} that day they would turn services back on. I paid {$120.00} and no internet was restored. Previously I had reached out to century link twice regarding my acceptance, application ID number, and account info as directed by XXXX ( affordable connectivity program ) for several months because I was apart of the program to receive {$30.00} discount towards internet services & century link never acknowledged or submitted this credit to my account. My service had been terminated and after I was still receiving a monthly bill for services I wasnt even receiving. My internet was never turned back on after being told it would be if I paid {$120.00}. Also, many months racked up of charges that I was supposed to have a {$30.00} credit that was never added. I called XXXX XXXX to explain my side & why I dont think the final bill of {$350.00} was accurate or fair & the woman I spoke with agreed that charges accumulated AFTER I wasnt receiving services from century link & that the dates of my approval for XXXX $ 30 monthly credit, that the remaining balance due was incorrect and that she will remove the charges from the account and I did not owe the balance because it was incorrect. To my knowledge this debt was settled, and I was told I was not responsible for the balance. Now this debt has gone to collections & has hurt my credit. Last I spoke to century link many months ago, I was reassured incorrectly & I also explained to radius global who purchased this debt that it shouldnt even be a debt because I was told it by century it was incorrect & sided with me

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX stole late fees from a lump sum payment I made to cancel this fraudulently induced loan per cancel docs. XXXX breached the contract and reports fake fraudulent false info to credit bureaus. Remove debt return embezzled money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX stole late fees from a lump sum payment I made to cancel this fraudulently induced loan per cancel docs. XXXX breached the contract and reports fake fraudulent false info to credit bureaus. Remove debt return embezzled money to 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX stole money and embezzled it to their profit. They knowingly did so repeatedly from about XX/XX/2023. They falsely fraudulently and deliberately report late status on my credit file. They do this to harm me. They refuse to remove. They stole money from the check XXXX offered to return ALL money under the contract terms to cancel this fraudulently induced loan. They know they stole and embezzled the money to appear like a XXXX payment was made when it was not. Despite this criminal activity they double double and commit more crimes by claiming I have XXXX months of late status. If they stole a payment for XXXX then the first day this fraudulently induced loan was late is the XXXXXXXX XXXX XXXXXXXX. The fraud loan was allegedly sold back to the original criminals who fraudulently induced me into this contract. Enclosed find alleged transfer in legally required doc. It could be fraud who knows. They still have not transfered the debt and continue to increase amount due on my loan portal so there is reason to find the transfer letter is fraud fake and more lies from a criminal. Anyway there can be NO LATE PAYMENT PUBLICATION ON MY CREDIT BUREAU FILE BECAUSE if the first day it was late is XX/XX/XXXX then it is not 30 days late until XX/XX/XXXX. But this co doesnt care about facts it just wants to hurt oppress and defraud borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX stole money and embezzled it to their profit. They knowingly did so repeatedly from about XX/XX/2023. They falsely fraudulently and deliberately report late status on my credit file. They do this to harm me. They refuse to remove. They stole money from the check XXXX offered to return ALL money under the contract terms to cancel this fraudulently induced loan. They know they stole and embezzled the money to appear like a XXXX payment was made when it was not. Despite this criminal activity they double double and commit more crimes by claiming I have XXXX months of late status. If they stole a payment for XXXX then the first day this fraudulently induced loan was late is the XXXXXXXX XXXX XXXXXXXX. The fraud loan was allegedly sold back to the original criminals who fraudulently induced me into this contract. Enclosed find alleged transfer in legally required doc. It could be fraud who knows. They still have not transfered the debt and continue to increase amount due on my loan portal so there is reason to find the transfer letter is fraud fake and more lies from a criminal. Anyway there can be NO LATE PAYMENT PUBLICATION ON MY CREDIT BUREAU FILE BECAUSE if the first day it was late is XX/XX/XXXX then it is not 30 days late until XX/XX/XXXX. But this co doesnt care about facts it just wants to hurt oppress and defraud borrowers.

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 2023-11-05 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Please see the previous two complaints that you closed. AmEx LIED to you. They did not provide " monetary relief. '' Instead, This is a lie. Instead, as of today, they allowed the crooks from XXXX XXXX to reopen the Dispute. This is the FOURTH time this Dispute is reopened by AmEx. I wrote to them that " I will report this to the XXXX who you lied to several times. Also, I want you to stay in this motel and get infected with whatever they give to your customers -- XXXX, etc. You are disgusting. 
Not thanking you, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo Bank allowed illegal unauthorized fraudulent transactions and charges and has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges

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