vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been incarcerated for the last 8 years. A lot of this stuff on the credit reports are all identity theft. I can not seem to get a credit card now that iM free & living a normal life. I feel I have been targeted & a lot of fraud under my name. Thank 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 explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
So I had and issue with this so the Wells Fargo closed my account because I had too many Debit claims on the account and I filed a claim with Wells Fargo with the mediation department and they handled the situation very poorly I was refered to the cfpb because I have exhausted my claims with Wells Fargo and they told me to turn in a claim with the cfpb so Im doing it now I received a check for {$1700.00} and a check for {$2000.00} with the arbitration and the mediation and arbitrator handled things the wrong way the representative from Wells Fargo low balled me a check and I was so mad that I explained to the arbitrator this is a joke why do I have to be XXXX XXXX its ridiculous and Wells Fargo handle the mediation very poorly the representative didnt want to speak any further about this and I was upset how it was handled Wells Fargo and their company dont know how to handle mediation appointments when u meet with them they dont care to have to listen to you all they care is about themselves they wont let you explain things why u want this money or whatever they just want to get it all over with and never care about your feelings I have a major XXXX and I think it was handled the wrong way Im hoping to get a check up to {$15000.00} or whatever is agreeable for all this comotion and XXXX XXXX me wont cut it we have to agree on this issue because this issue is totally uncalled for so i do have a pending case with the federal court system in the state of Utah regarding how Wells Fargo treated me thats a totally different matter this matter is dealing with the arbitrator and the Wells Fargo representative how they treated me and not wanting me to explain my situation and XXXX XXXX  me a low ball number so anyway just wanted to clarrify that with you so Im hoping we can resolve this matter with a check up to {$15000.00} like I said I was refered to by Wells Fargo do that we can get this resolved asap let me know what we can come up with numbers wise hope this is good info

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 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Re : Complaint # XXXX - Reason given that Complaint XXXX was closed by CFPB due to prior or similar complaints filed. This result is inaccurate. Ive never filed a complaint with CFPB or CHASE BANK. Clarification and or action needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Block, Inc.
State: OK

Complaint narrative:
Cash app has three ledgers on its website that list account transactions. 
1. An activity log on the home page of the app. 
2. A monthly statement available at the end of each month that is accessible as follows : from the homepage of the app, select the profile icon at the top right hand side of the screen, scroll down and select documents, select statements, select account statements and select the month. 
3. A csv ledger ( on the cash app website ). Go to cash.app, select download transactions-file with all of your transactions. This pulls up an XXXX spreadsheet more detailed than the other two ledgers. 

There is a transaction in the csv ledger of my account that shows a purchase from XXXX on XX/XX/2023 for {$440.00}. I did not purchase anything from XXXX on this date, or any date, for this amount. I have chatted with customer service, emailed customer service managers and spoken with customer service on the phone, all on multiple occasions, everyday for the past six days. Each time, I tell them that this transaction does not look familiar to me and I would like it explained. They refuse to answer my question. In their most recent correspondence they stated that they could help me with anything else but were unable to provide additional support and will be closing your case. 
I will send a copy of the ledger that contains the transaction in question, and emails supporting my complaint. 
Thanks so much for your help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
So its come to my attention that PayPal keeps emailing me with random stuff saying my account is delinquent and I have had issues trying to contact them that company is hard to get ahold of Im really upset how things were handled Im hoping to receive a compensation check up to {$15000.00} for the frustration I had with PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reached out to Transunion requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with XXXX on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give Transunion permission to but these inquires on 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 2023-06-04 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: NY

Complaint narrative:
I just reviewed my Consumer report from Equifax ( XX/XX/2023 ) and I have noticed that there is still an unverified account that I have disputed last month. The Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate. This XXXX XXXX account has been opened up without my consent and I had no knowledge of it until I saw my credit report. I have filed identity theft with the FTC as well as the CFPB. I have asked Equifax to verify this account but they have not provided me any documents that are on file nor have they given to me the name of the representative who verified this account or how they verified this account. I take my privacy as well as my consumer report very seriously and request for a re-investigation. .This account is True identity Theft. 

AccountXXXX  XXXX XXXX Issue-True Identity Theft Solution-Delete Account for True Identity theft which has not been verified on a Consumer Report. 

Please investigate this account. If i am remiss then please provide me proof with billing statements, Signature from contract showing the Complete history. If proof can not be provided, then I demand this Account be removed immediately from my Consumer Report. This one fraudulent account is hurting my ability to obtain a mortgage and is destroying my life. 

Thank You. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I recently lost my social security card and idea in my wallet I been noticing a lot of inquiries on my credit that I wasnt aware of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I bought a sectional at Lowes for {$690.00}. I was supposed to get the higher of 20 % off my first purchase or a max of {$100.00}. Lowes charged me the wrong amount and I tried resolving with Synchrony and Lowes and neither would resolve the situation.

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 2023-06-04 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: NJ

Complaint narrative:
I reached out to XXXX, XXXX and Equifax asking them to investigate this account XXXX XXXX XXXX account number XXXX that's inaccurately reporting on my consumer report. I received a response from all 3 credit reporting agencies that this account was accurate and verified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately. The reporting of this account is a violations of the following : 1. 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 2. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This account is reporting as closed but is still reporting a balance, past due amount and still reporting late payments. How can a closed account report a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: NJ

Complaint narrative:
I reached out to XXXX, Experian and XXXX asking them to investigate this account XXXX XXXX XXXX account number XXXX that's inaccurately reporting on my consumer report. I received a response from all 3 credit reporting agencies that this account was accurate and verified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately. The reporting of this account is a violations of the following : 1. 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 2. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This account is reporting as closed but is still reporting a balance, past due amount and still reporting late payments. How can a closed account report a late payment.

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 2023-06-04 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: TN

Complaint narrative:
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. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Are reported inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I contacted Portfolio in regards to an alleged account I noticed on my credit report around XXXX XXXX XXXX. I sent a letter on XX/XX/XXXX certified mail, requesting they send me more information regarding this alleged account because I did not know what it pertained to. I received no response from that letter. I sent another letter on XX/XX/XXXX asking for more information again, and again no response. I also sent a letter to XXXX on XX/XX/XXXX requesting their assistance with who this account was with or what this account was for, yet all they stated was that they verified the information. I tried one more time on XX/XX/XXXX asking XXXX to provide me with more information about how they verified the information and I still have not heard back from either company. It is against my consumer rights for these companies to place alleged debts on my credit report with no explanation or no verification when I am simply asking what this debt pertains to, since I am unsure of what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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 credit bureaus have refused to correct their mistakes and are in violation of 15 USC 1681n willful non compliance of their errors are also in violations of 15 USC 1681b Permissible purpose. I am therefore requesting a copy of my written instructions that should be on file. I am also requesting a copy of my notice that the company sent to me that notified me of these accounts being placed on my report. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I recently lost my social security card and idea in my wallet I been noticing a lot of inquiries on my credit that I wasnt aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires TRANSUNION 1.XXXX XXXX XXXX Finance ) XX/XX/XXXX 2.XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX  ( Finance ) XX/XX/XXXX 6XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX  XXXX ( Bank XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED XXXX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX  XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )

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 2023-06-04 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: AZ

Complaint narrative:
The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

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 2023-06-04 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires XXXX 1.XXXX XXXX XXXX Finance ) XX/XX/XXXX 2.XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX ( Finance ) XX/XX/XXXX 6.XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX EQUIFAX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED EQUIFAX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3. XXXX XXXX  XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires XXXX 1.XXXX XXXX  XXXX Finance ) XX/XX/XXXX 2XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX ( Finance ) XX/XX/XXXX 6.XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX  XXXX XX/XX/XXXX 13. XXXX XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED XXXX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX  XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )

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