vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
They are reporting 30 days late on this account however this are billing error acct was never late 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Yes I got ripped off on an online purchase from a XXXX XXXX XXXX  web-site on the XXXX app and I bought 2 different products. With 2 different debit cards. I used my XXXX debit card to buy the XXXX XXXX XXXX card that ended up being plastic and not gold. They also claim their gold products can be brought to banks to exchange for cash. That is not true either. I filed a dispute and got my {$100.00} back within 2 weeks. I used my Chime debit card to buy the XXXX XXXX XXXX for {$140.00}. That ended up being magnetic. Thereby another fraudulent product was sold to me. I filed a dispute and they keep denying it. Then reopening it under a rebuttal stage of the game. I am now at my 5th rebuttal and they refuse to quit giving me the run around and simply refund my NON golden  XXXX XXXX XXXX  that is magnetic. Even with pictures sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My identity is being stolen my name is XXXX XXXX XXXX XXXX : XX/XX/1989 XXXX I have been going through this for over XXXX yrs I have houses and bank accounts and vehicles out in my name that I never went and aquired myself. I have been the subject of the XXXX XXXX scam my tag name is XXXX  XXXX I invested in stocks and never received any of the money I received a emai ( XXXX ) l in XXXX saying there were sending my account to XXXX due to the amount of money in my account and I received a financial statement from the company stating what was in my account and I called XXXX they rude told me I had no account and told me to not call back. I tried reaching out to XXXX XXXX  and no luck. I also downloaded a app on my phone and it had my bank accounts and stock information sync up to the app but it had different peoples names on the app XXXX and XXXX. I also am having a hard time getting my credit report I wrote and had my credit report sent to me in XXXX and it had some things that were not mine like someone had a child in my name I was XXXX  at the time of birth of child. And it had my business verified XXXX XXXX XXXX XXXX  and I found information that someone/someones are trying to steal my company. And every time I open a account for my credit or pre paid card I always get logged out and I never receive the card or can ever logg back in. And my account and name has been used to buy alot of property and someone has tried to XXXX me I have been XXXX XXXX and became homeless over this and my identity has been used to get government benefits and there also trying to get benefits from the veterans affairs also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account 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 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account 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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
A company called Pro-Collect reached out to me by way of an account manager who identified himself as " XXXX XXXX '' and he stated that he received my information from a company called XXXX. XXXX XXXX stated that I owed money for a bond that i acquired or signed up for to pay for something at XXXX XXXX. I informed him that I did not owe any funds for a deposit or any damages because I had my apartment professionally cleaned and inspected prior to my move out and return of the keys and fob. Also, I informed him that I never took out any type of bond or loan associated with my apartment. The gentleman stated that if i didn't plan to pay them, he would put it on my credit on the first of next year and he would write it down as a refusal to pay. I informed him that It is not a refusal to pay because it is literally not my debt. I asked for identifying information and ended the call. When i got the apartment initially, my roommate was XXXX XXXX XXXX and he was the guarantor on the apartment and he may have done something with a bond, but I don't know anything about it and can 100 % confirm that I have never taken out or signed for a bond of any kind. I'm new to Texas so I don't even understand what this bond they're speaking of, even means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
I am writing to formally request the removal of the collection entry on my credit report associated with account number XXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of Collection : XX/XX/2023 Creditor : LEWIS MCDONNELL & ASSO I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a check on XX/XX/2023 of the amount {$15000.00} and Capital One closed my account without my knowledge and did not inform me about an investigation or call to ask me any questions. The fund passed the fraud check and they never released the money to me and are still holding it back from me. I have requested to get my funds multiple time and still have not received them. I will get my lawyer involved if my funds are not sent out. My account is now closed and they are not allowing access to already verified money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This account appears on my credit report and does not belong to me. I would like supporting documentation showing that this account belongs to me or I want this removed right away. I have not received any cooperation with this company in assisting with either request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In speaking with credit card companies and other lenders, I inquired about the reporting frequency. The reason for the calls is due to the balances increasing across the reporting agencies and being updated multiple times per month. I see credit alerts within a day, no more than 4 days, when using credit cards, for the balances increasing. I have paid these credit cards down to {$0.00} and this doesn't update unless I leave the cards at {$0.00} balance. When using the cards, the balance increase is always updated and the payments do not reflect on the reports. 
When speaking to the banks or Credit Card companies, they insist that they only report once a month. I am not understanding how the reporting agencies have access to the accounts multiple times a month, while the companies themselves only report to the agencies once per month. The multiple balance updates during the month should not be accessible if the companies that report to the agencies only report once per month. 
Also, I have received negative credit worthiness changes in the score and no changes have been reported, only a note stating that, " There were not changes to report at the time, but, they recalculate the scores periodically when there is something going on. This comment is never understood, as it just says that they can manipulate you credit worthiness when they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In speaking with credit card companies and other lenders, I inquired about the reporting frequency. The reason for the calls is due to the balances increasing across the reporting agencies and being updated multiple times per month. I see credit alerts within a day, no more than 4 days, when using credit cards, for the balances increasing. I have paid these credit cards down to {$0.00} and this doesn't update unless I leave the cards at {$0.00} balance. When using the cards, the balance increase is always updated and the payments do not reflect on the reports. 
When speaking to the banks or Credit Card companies, they insist that they only report once a month. I am not understanding how the reporting agencies have access to the accounts multiple times a month, while the companies themselves only report to the agencies once per month. The multiple balance updates during the month should not be accessible if the companies that report to the agencies only report once per month. 
Also, I have received negative credit worthiness changes in the score and no changes have been reported, only a note stating that, " There were not changes to report at the time, but, they recalculate the scores periodically when there is something going on. This comment is never understood, as it just says that they can manipulate you credit worthiness when they want to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
In XXXX I could no longer pay my XXXX XXXX credit card in California. It was from my previous marriage and was a card for our business but was in my name and after splitting with my husband he took the business and left me with nothing. I was continuously contacted from the credit card company and finally settled with them for {$300.00} which was a fraction of the over {$3000.00} card owed and in XXXX I was served a court order from a XXXX XXXX XXXX XXXX  attorney in MN  on behalf of Midland Credit Management saying I owed this debt even though it was after the 4 years legal to collect the debt in California  and was now a legal resident of North Dakota so 6 years is the legal limit and even though I had previously settled with the credit management company. Today XX/XX/XXXX I received a notice of garnishment of earning dated XX/XX/XXXX saying I owed now {$4000.00}. I just spoke with the attorney and they told me the call was being recorded they received this from Midland Credit in XXXX of XXXX which I informed them was 2 years past the legal standing to attempt to collect a debt in California  since that was where this case started and even if it went to ND it was still a year past their legal standings and the attorney told me this call was over and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: CO

Complaint narrative:
I saw an unknown charge on my checking account on XX/XX/2023. I contacted my bank ( KeyBank ) immediately. They said to wait until the transaction cleared to file a dispute. On XX/XX/2023, I filed a dispute. I was informed that KeyBank had 90 days to resolve the dispute. On XX/XX/2023, I asked for the status of the dispute since 90 days had passed and I had not received my money back ( {$2000.00} ). I was told that KeyBank had no information regarding the fraudulent charge dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation