vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-06 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: MI

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX continues to report this.

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 2022-12-06 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,!

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 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I was trying to accept a payment for an online sale via Zelle which I had never used before. The person who scammed me ( I know now ) sent an email saying my account was frozen because I could only accept a lower amount than they had sent and that they needed to send a higher amount that I would then need to send back to them. I called my bank and my account was frozen so they unlocked it for me. And I sent the money that I thought had been sent through. Then I got an email from Zelle saying the person had double payed by accident and they wouldnt release the funds until I sent another {$500.00}. I tried to contact Zelle but you can not talk to anyone at that company when you call. I wanted to confirm that any of this was correct ; I talked to my bank several times and they did not flag this. I finally realized it was a scam when they said the ladies account was locked and I needed to send additional funds via XXXX. So Ive lost {$1000.00} right before XXXX and because XXXX cant get in touch with anyone from Zelle I have so chance at notifying them that this persons account is being used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
in accordance with the fair credit reporting act XXXX accounts Alley FInachel, XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy 15 USC 1682 section 694A it also states a consumer reporting agency cabnnot furnish a account without my written instructions 15 USC 1668B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: NC

Complaint narrative:
Recieved a text message from - XXXX with the following message : " XXXX XXXX We have an urgent matter in our office that directly concerns you. In order to help we must speak with you today at XXXX. XXXX '' Called the number. They claim to be a debt collection agency working on behalf of " XXXX '' that claims I owe them a debt from 2015. They have my address, social security number, name and employment history. They claimed the company had attempted to communicate with me before, which I have recieved no such communication. Answering rep claimed they were filling for wage garnishment and a hold on my drivers license, whatever that is. I asked for written evidence of the debt. They claimed the company was " done jumping through hoops '' and were going to proceed with legal charges. I refused and ended the call.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: IN

Complaint narrative:
I have an Amazon credit card which is serviced by Chase Bank. While I have my debit card set as my default payment for all purchases, the payment method for some of the recurring payment subscription services, including the Amazon annual payment ( {$130.00} set to come out XX/XX/2023 ), XXXX XXXX ( {$5.00} monthly XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$2.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), and XXXX ( {$10.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), were changed from my debit card to my Amazon Credit Card. There are no conspicuous disclosures on the site which notified me that the default payment method for subscription services would change from my debit card to my credit card. I was not expecting any charges on the Amazon credit card, and have incurred some late fees ( my fault- I should have checked my statements ). I'm more concerned about how the subscription payment method was changed without me noticing. I changed the subscription payment methods back to debit for the Amazon annual fee today, but several of the subscriptions were already showing that the debit card was set up as the payment method even though the credit card was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated. 
the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet XXXX and XXXX are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: IL

Complaint narrative:
There is an account reporting from XXXX XXXX that does not belong to me, Ive sent it validation letter and Ive also sent in a letter from XXXX XXXX  stating that they have no account with my information that belongs to me. Ive disputed and it keeps coming back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: LA

Complaint narrative:
I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,!

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo XX/XX/XXXX entered a {$500.00} check that will be delivered on XX/XX/XXXX per the on line electronic delivery system. the check arrived XX/XX/XXXX. 
on XX/XX/XXXX a check for XXXX was entered into the same system that promised delivery by XX/XX/XXXX. the check arrived XXXX both of these checks are local in the same county as the bank that i use, Wells Fargo XXXX XXXX. 
i attempted to discuss this with someone at WF on XXXX and was unable to connect to any live person after listening to " options for XXXX minutes, selecting a choice and having the same options given. i never was able to speak to a live person. i then went on line to XXXX and listed the problem. instead of written response, i had to give my name an tel so that someone could contact me. i received a call on the XXXX and did not return the call as it was too late in the XXXX. received another call on the XXXX which i returnned. the basic response is that i had not given enough time for the check to arrive. i have been paying this vendor since XXXX with no problem with delivery and it has been actually early most of the time. my conversation resulted in the WF rep indicating that they are not responsible once i input the information. there was no concern that maybe there was a problem with their delivery service as these checks are not arriving, just that they are not responsible for having a secure system for delivering checks.

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 2022-12-06 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. 

, Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX, Account name : XXXX XXXXXXXX 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 : 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 non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I contacted Paypal back in XXXX to close my Paypal Mastercard. They required that I pay my balance due, which I did. Approximately {$1200.00}. The next month they hit my checking account directly again. Since cancelling I no longer have access to login or review account activity. I called and spoke with someone who stated that this would be the last charge. Again today XXXX they hit my checking account again. I called and they stated that this isnt them. Theres nothing they can do about it. I explained to them that I would be contacting the CFPB to file a complaint and I have reported the transaction to my XXXX XXXX as fraudulent.

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 2022-12-07 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: ME

Complaint narrative:
An account from XXXX was illegally re-aged and sold to a new collection agency. After disputing this account, the collection agency responded, saying that they have returned the account to the original creditor and notified Transunion to remove the account from my credit report, as it was invalid and had an illegally re-aged date. The original creditor changed the " open '' date of the account from XXXX to XXXX to make it appear as a new account. After sending proof of this to Transunion ( proof of the age of the debt being from XXXX, proof of the collection agency closing the account and reporting that the information was innacurrate to Transunion and requesting they remove the illegally re-aged account. etc. ), Transunion ignored the evidence, the request to correct and remove the account from my credit report, and they continue to report this illegally re-aged account, which is a violation of my rights and of the law.

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 2022-12-06 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:
I have attached XXXX reports with accounts reporting inaccuracies and errors, please delete these and update my personal 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 non-monetary relief
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
I am a victim of identity theft. I have notified the local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2022-12-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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