vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 a 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 2022-12-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am intrested in removing all inaccurate information from my credit report with Equifax to help clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I applied for a credit card, and it was denied due to a low credit score per Equifax credit report. On XX/XX/2022, I contacted Equifax and after I paid for a membership to look at my credit score, I noticed that my address, credit card accounts, mortgage details were incorrect or missing. After several calls to Equifax between XX/XX/XXXX and XX/XX/XXXX, I was not able to obtain help to fix the above problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TN

Complaint narrative:
Accounts are still on my report AND violate the Fair Credit act. 

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 : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX & XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 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 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.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: William D. Meeker Enterprises, Inc.
State: MD

Complaint narrative:
This was taken by : CIC CREDIT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ordered by : XXXX XXXX XXXX Date Ordered : XX/XX/XXXX There is an open account with Liens and Judgments Report. 
Amount : {$1600.00} XXXX XXXX XXXX XXXX - XXXX DIVISION | County : XXXX XXXXXXXX XXXX  File Date : XX/XX/XXXX Filing # : XXXX Date Last Seen : XX/XX/XXXX XXXX Type : STATE TAX LIEN This is already paid and I will provide the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A lady sent me a message " by accident '' through XXXX. I tried to redirect her to the probable correct area code, and she thought I very nice to do that and started chatting with me. After several days of nice chatting, she mentioned that she was working with some computer installation people, and invited me to try a little XXXX XXXX on the XXXX webste. It sounded harmless enough, and she led the way by providing Screenshots with every spot to click on identified, and she made the XXXX experience fun and very profitable, by her following a sequence of trend lines and buying/selling nodes, and instructing me when to buy or sell various types of crypto. We usually traded XXXX XXXX XXXX & ETC, and we did exceptionally well. About 2 weeks in, she guided me to withdraw {$5000.00}, and that process went well. She often encouraged me to add more Principle so I could make bigger profits. I told her I was fine with the current profits at that time, and she finally convinced me to invest more in early XXXX. By the last week in XXXX, my assets were up to {$890000.00}. She said she wanted to teach me how to withdraw funds, and asked me to withdraw it all. I tried to do it, and forgot my Fund Password, and needed to change it. Because I did that, XXXX said that it triggered a possible scam or hacker alert, and that I would need to Deposit 25 % of my Assets to ensure that it was me operating the account. they stated that the 25 % Deposit would be part of my withdrawal. Because I had just inherited some funds from my late XXXX, I was able to pay another XXXX XXXX  to prove that I was me. Again I tried to make a Withdrawal, and then they asked for another 5 % of my Total assets so they could collect the Personal Income Tax on my withdrawal and forward it to the IRS. I tried to explain that Personal Income Tax is paid on Income or Capitol Gains, not on my Cost basis or additional Fees or Deposits. Unfortunately their Online Customer Service Computer was incorrectly programmed, and it repeatedly said the 5 % Personal Income Tax was based on the Total Assets. As there is NO Human interaction available to support their Online Customer Service system, paying another XXXX  was out of the question. I invested a total of XXXX XXXX XXXX XXXX Security Deposit for a total of XXXX. I am just sick over this, and have lost most of my life savings. I had transferred all of my funds using my Bank - Merrill Lynch & Co. Inc. Not once did Merrill Lynch warn me against the investment nor did they question my sudden changes in the way i withdrew and made big investments.

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 2022-12-08 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: PA

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 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 2022-12-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I placed XXXX orders with XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022. 
1st order : XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX  {$40.00} Total purchase # 1 {$150.00} this was an incorrect order and wrote email to vendor to cancel. received acknowledgement but no action or further response received. There is a XXXX cancellation & return for full refund. Communicated to Synchrony & XXXX but didn't provide return address. 

2nd Order : XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX filters {$48.00} Total purchase # 2 {$360.00} this order was received nearly 2 months later. I contacted vendor by website mail, XXXX and Synchrony Bank to cancel but no response other than research/investigation from credit card. XXXX was received but I didn't need this any longer. Attached is Synchrony Bank 's summary of transactions and dates. It will make you dizzy. Neither XXXX or Synchrony Bank provided the vendor 's customer service contact and shipping address. I was given a phone number on the statement but that didn't work.

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 2022-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX continued. 
WF is gaming your process. See all comments in the feedback of the complaint. The loan should have never been initiated and I was forced to close on the HELOC loan. The builder XXXX XXXX and the inhouse WF XXXX XXXX XXXX XXXX XXXX XXXX  forced me to close on a property that should never have been initiated I seek mediation of the issues. 
The mediation process with WF was misleading and their statements are not rue. There was no pre- mediation offer. The Mediation and all parties refused to discuss other issues beyond a diversionary CHECKING account, that in the big picture is just a small issue. The WF representative and the mediator insisted that ONLY the CHECKING account would be addressed during the mediation. WF after the meeting stated that all issues were resolved which is a falsehood. 

Please address all issues related to this loan and bring the truth forward and hold this corrupt bank accountable for their fraudulent behavior and banking practices. WF is white washing the issues and repetitively stating falsehoods. 

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 2022-12-08 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: TN

Complaint narrative:
checking my credit file alot of information is unauthorized on my credit report with Experian. I am intrested to dispute all inaccurate information that is hindering my file.

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 2022-12-08 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:
Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no one company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.

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 2022-12-08 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: MI

Complaint narrative:
XXXX is charging me {$1400.00} for a service I never had and also I have several different names on my Experian credit file and several different address.

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 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
Medical revenue services has XXXX. Several of the illegal complaints. I can not put more than XXXX on the consumer finance.gov website, although that should be an option since they have violated multiple things. 


I picked this threaten to contact my relative But thats actually what happens. They continue to call me despite me being the mother they continue to wake me up multiple calls a day and harassed me telling me that I just need to give them my sons contact information. 

Medical revenue services continue to threaten of the calls will still happen And they do. 
They threaten to ruin my sons, credit and state that he gave us the number which is not the case either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been sending letters but they keep on being ignored so this time I'm seeking help from government agencies for you guys to take action.

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 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A lady sent me a message " by accident '' through XXXX. I tried to redirect her to the probable correct area code, and she thought I very nice to do that and started chatting with me. After several days of nice chatting, she mentioned that she was working with some computer installation people, and invited me to try a little Crypto Trading on the XXXX webste. It sounded harmless enough, and she led the way by providing Screenshots with every spot to click on identified, and she made the Trading experience fun and very profitable, by her following a sequence of trend lines and buying/selling nodes, and instructing me when to buy or sell various types of crypto. We usually traded XXXXXXXX XXXX XXXX XXXX XXXX, and we did exceptionally well. About 2 weeks in, she guided me to withdraw {$5000.00}, and that process went well. She often encouraged me to add more Principle so I could make bigger profits. I told her I was fine with the current profits at that time, and she finally convinced me to invest more in early XXXX. By the last week in XXXX, my assets were up to {$890000.00}. She said she wanted to teach me how to withdraw funds, and asked me to withdraw it all. I tried to do it, and forgot my Fund Password, and needed to change it. Because I did that, XXXX said that it triggered a possible scam or hacker alert, and that I would need to Deposit 25 % of my Assets to ensure that it was me operating the account. they stated that the 25 % Deposit would be part of my withdrawal. Because I had just inherited some funds from my late XXXX, I was able to pay another {>= $1,000,000} to prove that I was me. Again I tried to make a Withdrawal, and then they asked for another 5 % of my Total assets so they could collect the Personal Income Tax on my withdrawal and forward it to the IRS. I tried to explain that Personal Income Tax is paid on Income or XXXX XXXX, not on my Cost basis or additional Fees or Deposits. Unfortunately their Online Customer Service Computer was incorrectly programmed, and it repeatedly said the 5 % Personal Income Tax was based on the Total Assets. As there is NO Human interaction available to support their Online Customer Service system, paying another {$50000.00} was out of the question. I invested a total of {$300000.00}, + the {$220000.00} Security Deposit for a total of {$520000.00}. I am just sick over this, and have lost most of my life savings. I had transferred all of my funds using my Bank - Wells Fargo. Not once did Wells Fargo warn me against the investment nor did they question my sudden changes in the way i withdrew and made big investments.

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 2022-12-08 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: GA

Complaint narrative:
I have NOT received any FACTUAL information or an AFFIDAVIT OF FACTS on how you verified the erroneous information of the alleged account attached in Exhibit C. Therefore, I request you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court as evidence of my trying to rectify the subterfuge that you are reporting. XXXX ( copied from Affidavit of Truth ) XXXX TransUnion has acted unethical. Though TransUnion reported to the CFPB on XX/XX/2022 that it was in progress with complying with the affidavit in which TransUnion received via certified mail on XX/XX/2022, TransUnion has not complied with the affidavit as of XX/XX/2022. TransUnion mailed me a letter on XX/XX/2022 and again on XX/XX/2022, stating that its company had completed its investigation reflecting the erroneous alleged account as accurate and the subterfuge as still reporting on my consumer report. Though TransUnion reported to the CFPB on XX/XX/2022 that its company 's investigation resulted in TransUnion deleting the erroneous alleged account from my consumer report, TransUnion has NOT deleted the erroneous alleged account as XX/XX/2022.

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
National Credit Systems has a collection on my account that has been verified with fraudulent paperwork from the original creditor XXXX XXXX. XXXX XXXX the property manager filed a eviction based off false information. The matter was resolved in court with me having to move because the property manager told the judge she didnt want to address the money she claimed was owed because she knew it wasnt correct the reason I responded to the lawsuit. The balance owed is based off fraudulent paperwork that XXXX XXXX submitted to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
In the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose

Company response to consumer: Closed with explanation