vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed on my Credit Report 2 collections from a Debt Collection Company California Business BU billing me for two medical accounts I have absolutely no knowledge of. Account # XXXX claiming I owe a debt of XXXX and Account # XXXX claiming I owe a debt of XXXX. Both of these accounts by the company California Business BU are being reported on XXXX. I quickly disputed both of these claims. I use a company called XXXX XXXX a credit monitoring service since I've had a problem with my personal info having been used in the past. They notified me that there had been a change in my report and the change had been that California Business Bu on the XXXX of XXXX had removed Account # XXXX in the amount of XXXX and immediately thereafter had made a new collection account and placed it in my report Account # XXXX in the amount of XXXX. When comparing the two collection accounts being reported by this business you will notice that both accounts are the same account number # XXXX only one is now for XXXX with the dates of : Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX and the other account is # XXXX claiming XXXX with the dates of Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX As you can see this is a violation of The Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act. Violating my Right to Information which requires producers to provide accurate and truthful information when advertising. Under the Fair Debt Collection Practices Act, a debt collector is forbidden to claim False Statements, and use Unfair and Deceptive Practices. Both of these accounts need to be removed from my credit report and whoever is furnishing information to the National Bureaus is clearly taking advantage of the privilege to be able to do so in a negligent and careless manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX. account # XXXX has violated my rights. 

XXXX XXXX XXXX, account # XXXX has violated my rights. 
XXXX account # XXXX. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX, account # XXXX has violated my rights. 
XXXX account # XXXX. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 ( the date our payment balance was due ) we attempted to pay our XXXX XXXX balance of {$1300.00} online. The website contributed to give an error message that said, Were unable to process your request at this time. Please call our customer care team at XXXX. Not being able to call due to our schedule park schedule, we attempted to log on again that evening. When it didnt go through we attempted to pay online each day until it finally went through on XX/XX/XXXX. We then incurred a late fee of {$37.00}, which doubled to {$62.00}. When we again attempted to pay this fee online the same error message came through. Today I finally called and was hung up on, then when I called back was told that I should have gone to a XXXX XXXX store to pay in person, which is unworkable as we live far from the store. When I called back a third time to pay over the phone, I was told by the recording that I would incur an additional {$9.00} fee to process payment over the phone, which is outrageous. I then proceeded forward and was disconnected again. 

This company is literally scamming people by preventing us to pay our bill and forcing us to pay late fees that we can not even process because their system does not allow it. I am filing this complaint to report this company and to reverse these late charges. This is only one of a handful of issues we have encountered with this company and we simply want to pay our account balance so we never have to do business with this company again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28 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: WI

Complaint narrative:
These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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:
Their investigation results verified this account but did not provide the procedure of description on how they verified this account. Under 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) it clearly states A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency I am requesting the description of the procedure used to verify this account. 

Account name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/2022 a fraudulent company charged {$6500.00} dollars in my Chase XXXX in XXXX separate transactions. The company nodepro.Io does not exist, I disputed the charges and Chase initially reversed them in XXXX. In XXXX Chase recharged my card for XXXX indicating the hacker provided receipts which were falsified and Were purchases I had never heard of for a downloadable software product. I re-opened the claim XXXX times and each tune Chase upheld the XXXX but the vendor hacker did not dispute the {$290.00} charge. They provided my IP address and falsified receipts. Chase took the lies of a criminal over their loyal customer. The receipts were lies with fake information. Chase has lied to me, hung up on me, transferred me around and am out {$6300.00}. I am so frustrated and they have believed criminals over trusted customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inquiries 15 U.S code 1681n Infamis of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 The Following Must Be Deleted ASAP!! 

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 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 2022-09-28 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: FL

Complaint narrative:
Inquiries 15 U.S code 1681n Infamis of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX The Following Must Be Deleted ASAP!! 

XXXX XXXX XX/XX/XXXX, XXXX {$1700.00} XXXXXXXX XXXX  XX/XX/XXXX, XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$860.00}

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 2022-09-28 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I HAVE RECEIVED A LETTER FROM CHASE BANK ABOUT A TENTATIVE TO APPLY FOR DEBIT & CREDIT CARD USING MY PERSONAL INFORMATION. 
I ALSO USE XXXX, WHICH HAD SOME FRAUD ALERTS. 
I AM WORRIED MY IDENTITY IS BEEN USED TO GET CREDIT CARDS & CHECKS UNDER MY NAME. 
I WOULD LIKE TO ADD AN ALERT TO PREVED ANY USAGE OF MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: LEXISNEXIS
State: MI

Complaint narrative:
I have tried numerous times to get this issue resolved with LexisNexis. Unfortunately, I am still unsuccessful in my quest... I have requested that they provide me with proof on how they verified the bankruptcy in question. Nothing! This issue is hindering my ability to maintain a lifestyle that includes caring for my child. Please assist me in having them update my public profile by removing this inaccurate account for bankruptcy filing. 

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within XXXX weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Our customer paid us on XX/XX/2022, and Venmo took out the transaction fee ( 1.9 % + {$0.00} ). Their system requested input of either our XXXX or XXXX. When I type in either of these numbers, the system returns with a message This number doesn't match what the IRS has on file. I confirmed the number with IRS and I am certain my SSN number is correct. Venmo has placed our account on hold. 

After several conversations with their support staff it has been verified that the problem is on their end and they have assured us that their engineers are working on the problem. 

After a month of going back and forth, I requested Venmo to send a check to the address on file for the balance of the money in the account. They have refused and the only choices I was given was to either wait until your engineers fixed the problem or cancel the order and request the customer repay another way. Unfortunately, neither of these options are reasonable choices for our company. 

I contacted a lawyer and they sent a letter to Venmo. They ( Venmo ) basically responded they were in receipt of the letter and as soon as the engineers fixed the problem they would contact me. They also agreed to forfeit the transaction fee when the problem was resolved. Venmo has not given me or the lawyer a date as to when this problem will be resolved. 

Today is XX/XX/XXXX and my account is on hold and Venmo is still refusing to refund our money and they are refusing to send the money via check and again not provided a date when I can except this problem to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following accounts have violated my rights. 

Account name : XXXX XXXX XXXX 
Account numberXXXX Open balance : {$450.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX : {$750.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX Phone XXXX XXXX Account XXXX : XXXX XXXX Account XXXX Open balance : {$330.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 items of information, other than the records of convictions of crimes which antedates the report by more than XXXX 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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: WI

Complaint narrative:
These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Title 31u.s.c.sec,3123 all XXXX are INITED STATES obligations.. 
XXXX THER IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: WI

Complaint narrative:
I would like to file a complaint regarding an incorrect collection account showing up on my credit report. After reviewing my credit report, I found a collection account under the name The XXXX XXXX XXXX in the amount of {$1700.00}. I am not aware of this account as I have never had service or an account with XXXX XXXX. I started the dispute process with TransUnion, XXXX, and XXXX to let them know this account is not accurate and should be removed as soon as possible. TransUnion sent me two letters pretty much indicating they do not accept dispute letters from credit repair agencies. I am not working with a credit repair agency and I have mailed multiple letters to TransUnion regarding this issue. I also sent letters to XXXX and XXXX and I was told either the account was verified, or I did not get a response at all. 

Neither of these credit bureaus can provide me with a signed contract indicating I worked for XXXX XXXX or I had an account with XXXX XXXX. According to the FCRA, anything that can not be verified, must be removed from my credit report. I have made multiple attempts to get this account removed, but I have not received an appropriate answer to this issue. This inaccurate collection account is causing me hardship and is negatively affecting my credit score. This issue is also preventing me from purchasing a home. I would greatly appreciate your assistance with getting this account removed.

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