vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
equifax is still falsely changing peoples scores. i just had a complaint with them about my score going down XXXX points. the balance on one of my cards decreased by {$1.00} yep XXXX XXXX & my score plummeted XXXX XXXX, The government needs to end equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: NY

Complaint narrative:
I requested before that XXXXdept. of ed. to stop furnishing information about a student loan to my consumer report. I am demanding that they stop reporting to my consumer report/ credit file immediately. XXXX stated in a responds to me that, " we are also REQUIRED to report the loan status and balance to the national consumer reporting agencies ''. Please show me where in the ( fdcpa ), ( fcra ) OR FEDERAL LAW that states that you are mandated to report to the consumer reporting agency. Please send me PROOF. I requested this information before and you claim according to student aid/dept of edu that they require for you to report according to your contract with them. Since when company policy overrides the Law? That mean you and those companies are violating law. According to LAW 3.1.1 CFPB, it states that reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been.

Then you stated. " Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. '' This statement is true but you need to be more specific about this statement. This statement claims in layman 's terms, IF any furnisher reports to the CRA 's it has to report accurate information, but no where does it says that furnisher 's are obligated to report. In addition, according to the FCRA, I have never given written instructions or permission to report to my consumer report/credit file. please send me proof that I gave written instruction. But I am giving written instruction to remove this from my credit file IMMEDIATELY. I am sending out an affidavit of truth to the email, through cfpb and via mail.

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 2022-08-14 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 memorandum is in reference to XXXXXXXX XXXX located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if XXXXXXXX XXXX would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within XXXX XXXX  to cancel my application and he did not. He did take the funds that XXXX had given to him.

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 2022-08-14 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:
This memorandum is in reference to XXXX XXXX located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if XXXX XXXX  would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within 24 hours to cancel my application and he did not. He did take the funds that XXXX had given to him.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is violating FCRA Section 623 ( 5 ) ( A ). This account has been illegally re-aged. Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA This account needs to be deleted from all credit files it resides on immediately.

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 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a {$2800.00} dollar check from a girl named XXXX XXXX that I met on a XXXX XXXX XXXX who was going to take over my apartment lease. I also got a photo of her Drivers License so she could prove she was real. It was from XXXX XXXX XXXX and looked like a legit check from the outside. She said the money was from her company to accommodate housing and moving fees. She said she need {$1800.00} to pay off the movers and the rest would be used for the first months rent. She asked if I could deposit the check and use part of that money to pay the movers for her as she wasnt able to get XXXX separate checks for me and the movers. I deposited the check and saw the money in my account. However, I still called WellsFargo and asked them in the money was in my account and ready to use. They confirmed they saw the deposit and told me everything was fine. They gave me now warning about the check possibly bouncing. I went ahead and paid the movers through XXXX. A few days later, all the money from the check was removed from my account. I could also no longer contact XXXX. I called WellsFargo and they said it was a bad check and took no responsibility for the initial call when they confirmed the money was in my account. If they had given me the slightest warning that once the money is in, it can be taken out, I would have never sent the money. This means that since it was a bad check, I paid the movers {$1800.00} dollars of my own money. I have been taking to WellsFargo for months trying to get the money back as it was sent thru XXXX, which is ran by them. However, after filing claim after claim, they told me it wasn't possible because I knowingly sent the money. I have so much proof that this girl was a scam and all I asked is if they look into the account this money was sent to but they won't even do that. Now, they are saying there is no way I can get my money back. 

There are so many incidents of scammers using XXXX to get money from people. I was as careful as I could be and trusted my bank which now I realized is where the problem was. I just want WellsFargo to be held accountable for not giving the proper information to their customers and not helping them when dealing with scams.

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 2022-08-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX I sent my money into a savings acct. They essentially " SELL '' credit reporting. I tried calling several times to ask about cancelling, sent messages, etc, and then notified them that I wanted to cancel -- -- they do not respond, they never answer the phone, they never return messages or call back. A month later, I stopped the autopay. They reported me 30 days late -- and I told them " I cancelled ''. So they said " we have no record '' and I said " you don't even acknowledge or respond '' So now I have a closed account, 30 days late, on my XXXX and experian. I really think XXXX XXXX need to be shut down- because they are selling credit reporting.

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 2022-08-14 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/2015 there was an unsecured account open under my name and social security number due to identity theft and fraud in the amount of {$3100.00}, I have tried to have this removed from my credit report and tried speaking to the reporting credit bureau which is Experian to have it removed and never put back on my credit report. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian 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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a payment full payment on XX/XX/22 on my balance for {$1800.00} to my Apple Card managed by Goldman Sachs. 

On XX/XX/22 Goldman Sachs reported to the credit bureau XXXX that I had a balance of {$1400.00} when I actually have a balance of {$190.00} resulting in a XXXX point drop in my credit score. 

This has been an ongoing problem with my Apple Card and Goldman Sachs. Delayed reporting resulting in a lower credit score. I am also in the process of securing a loan and this greatly affects me and my loan process. 

Goldman Sachs customer service and support is of no help and provides no immediate remedy to the credit reporting process. They are the absolute worst financial institution I have ever dealt with. 

I am at the point where I need to document this in preparation for litigation. Hence my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: GA

Complaint narrative:
Greetings NET SPEND/ACE ELITE BANKING CARD BACKED BY THE XXXX BANK INSTITUTIONS. CONTINUE TO WITH HOLD {$470.00} ON THE FLARE ACCOUNT DEBIT BANK CARD MAILED TO ME BY NETSPEND, ACCOUNT. SPONSORED BY NETSPEND. THE ORIGINAL DEPOSIT WAS {$500.00} NETSPEND FLARE ACCOUNT TOOK {$20.00} TO RUSH ME THIS NEW XXXX BANK FLARE CARD BY ACE ELITE BANKING SERVICES. THEY REFUSE TO RELEASE MY FUNDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
collection account MRSBPO LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} STATEMENT THIS IS NOT MINE. I WAS NOTIFIED BY XXXX BECAUSE I AM A VICTIM OF ID THEFT SO MY CREDIT IS SUPPOSED TO BE LOCK FOR A YEAR BUT SOMEHOW IT IS NOT. I NEVER RECEIVE A STATEMENT IN THE MAIL OF THIS COLLECTION. 
I HAVE ONLY DISPUTED THIS COLLECTION WITH XXXX SINCE THEY ARE REPORTING IT. 
XXXX MAIL STATEMENT TO ME STATING THAT THEY CAN'T PROVE THAT THIS ISNT MINE SO THEY ARE LEAVING COLLECTIONS ON MY CREDIT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Several fraudulent charges were made on my checking account by unknown people at local area stores. A person using XXXX contacted me to tell me that I was elIgible for a grant and stated that all I needed to do to receive the funds was to give them my XXXX XXXX PIN. My XXXX XXXX pin was then used to access my checking account for unauthorized charges. I reported this to my bank at CHASE and they closed the but never acknowledged the fraudulent charges. 

XXXX XXXX transaction for {$100.00} on XX/XX/2022 XXXX XXXX  transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$75.00} on XX/XX/2022 XXXX XXXX transaction for {$270.00} on XX/XX/2022 XXXX XXXX transaction for {$120.00} on XX/XX/2022 XXXX XXXX transaction for {$170.00} on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt Recovery Solutions is illegally reporting false information for a collection with XXXX XXXX for {$310.00} they sent me a collection letter that states the account was opened on XX/XX/XXXX but reported to the three credit bureaus that I opened this account on XX/XX/XXXX this is also known as account re-aging which is highly against the law and now they need to cease all collection of this account and this needs to be removed from all three credit bureaus immediately under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2022-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
Failed to validate debt. 
Specifically, you : DISCOVER BANK ( {$190.00} ) ( {$310.00} ) you are in Violation of reporting accounts especially with different amounts if this account is charged off. 
-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE. I expect to receive the proof I requested above, within 15 days of this letter. Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus. Each Agency is reporting different days, times, absurd comments I have never made, reporting a balance on a charged off account which is a FCRA violation, and your report lacks complete accuracy. This is not professional at all, and it is against the law to report incorrect information. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 explanation
Consumer complaint received 2022-08-14 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: HI

Complaint narrative:
I have several inquiries on my transunion and XXXX and XXXX  report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.

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 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2022-08-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation