vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: WI

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 2018 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. Account isn't 49 days past due.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2023-01-10 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: SC

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 XXXX account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX 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 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 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 2023-01-10 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: SC

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 XXXX  account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX HAS VIOLATED MY RIGHTS XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 2023-01-10 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: FL

Complaint narrative:
This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XX/XX/XXXX 2023 in regards to a late payment that has been reported on my credit report in XXXX of 2022. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XX/XX/XXXX2023 in regards to a late payment that has been reported on my credit report in XXXX of 2022. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have a mortage with Mr. cooper my loan payment is due on the XXXX of every month I processed my payment on XX/XX/XXXX and received confirmation it was processed however it never came out of my checking account I am in the process of trying to refinance my loan and to my surprise I did not have my payment made I then reprocessed my payment on XX/XX/XXXX during this whole time I have been in contact with Mr. Cooper to find out they have changed something with their computer systems and my payment did not process. I was promised no fees will be charged I was promised I will not be penalized for this issue however I continue to get harassing e-mails telling me I am late and advise reporting me to for being late. Well, the other day my payment for the XXXX of XXXX was rejected as well now I owe 2 payments and I am in tears. I called yet again and again I have been calling every day I kept getting told have patience etc. So this person told me that they can not see my banking information online any longer and I provided my information over the phone. I am currently still waiting for this to post. It has not again I have confirmations I have e-mails etc. But I am being charged a late fee they are reporting me for being late and are sending me nasty e-mails. I am beside myself at this time as all I ever get from them is I am sorry!!!!! Sorry doesn't buy my groceries which I currently can not afford as I have no money as I still owe XXXX payment as I have to wait till payday XXXX to make that one. In the mean time XXXX XXXX can not go on with my refinance due to all this aggravation I am beside myself and well quite broke please help me! I really can not do anything but pay these XXXX payments I am a single person with a XXXX daughter I care for please. I am tired of hearing we are sorry and nothing more and nothing happens

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: IL

Complaint narrative:
I identified items on my credit report that are the result of identity theft, as I did not initiate, authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. These documants were received by Experian on XX/XX/XXXX. So, by law they should have been removed in 4 days which would have been XX/XX/XXXX. Today is XX/XX/XXXX and most of them are still on my credit report. 

I will be including the tracking data from the certified mail tracking number associated with this matter

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 2023-01-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 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 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a prepaid rewards card where the funds don't expire where I am trying to figure out the balance. I've contacted the company multiple times about this and requested a response in writing. No of the information has been helpful. The company claims they can not find information regarding the card. Photos of the card are attached. 
Additionally, the company claims they have confirmed the with their customer service team and I may visit their website, myprepaidsolution.com, to register the card. Once registered, I will be able to review any remaining account balances, as the verified funds no not expire. Any remaining balances can be arranged to be issued to me in the form of a cashier 's check sent to my mailing address. 
This is an issue with this claim. This card has been registered for months on the website given. If the website would give the balance there wouldn't be a need for me to contact the company. So the statement that they will see the balance there when it is register is simply incorrect and a blatant lie. I've attached a screenshot from my account at that website to show where it will not show any balance. 
I simply want the money from my card where the funds DO NOT EXPIRE and this company will not grant these to me. This company is stealing money from me. How many other customers is this company taking advantage of and stealing from by not telling them their balances and giving them their money? 
The company claims they have exhausted all options to resolve this issue. Pretty convenient for them to exhaust all options when they can just steal the money. I've provided all the information for this issue to be resolved by the company. The company is just not doing anything to resolve the issue and claiming they have done everything. Maybe, just maybe, they don't want to do anything because they can just keep this money from customers if they claim they have done all they can.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX, my Chase account showed my payment submitted successfully. On XX/XX/XXXX, the payment was returned without my knowledge, and the lack of successful payment was not made known to me. On XX/XX/XXXX, my statement showed my account as past due and that I had a late fee and interest charges. 

On XX/XX/XXXX, I spoke with XXXX Chase representatives. The first notified me that my payment account " had no funds. '' This perplexed me, as my checking account had approximately XXXX  times as much as the total due. She notified me that she was able to reverse the late fee but not the interest charges. I accepted this, and looked again my payment activity. The payment scheduled was from an account that has never been associated with my Chase account, nor XXXX that I was familiar with. I called back and spoke with a supervisor who told me that the error was mine when I set up autopay and they could not refund the interest fees for any reason. 

I have attached payment documents which clearly show XXXX separate accounts being used, and in neither case did I do anything different. I have never been late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
National Enterprise Services is attempting to collect on a debt on behalf of XXXX XXXX  that was XXXX by the bank in 2021. I have spoken to a XXXX XXXX  representative at the XXXX XXXX location in XXXX and given assurance that this debt was resolved. 
I have attempted to dispute this debt via mail, phone, and by using the form on their website. However, my mail was not answered in a timely manner, their phone line constantly resets and I have been unsuccessful in getting a response, and their web form located at https : XXXX consistently returns an error when trying to submit. Therefore, I have not been able to contact this company to receive any information on this debt or to dispute it as is my right.

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 2023-01-10 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: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I had a settlement with Persolve Legal Group as a collection for a bank which was paid in full as agreed the first week of XXXX of 2022. I have written and called multiple times to get them to update my credit report showing the balance is now {$0.00} but they refuse to update this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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. Account has never been late.

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 2023-01-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A letter was sent to XXXX on XX/XX/2022. To date, I have not received a response from them regarding my request for a thorough investigation of several accounts being reported on my credit report. It is my understanding that XXXX is in direct violation of my rights to receive a thorough investigation within 30 days of requesting.

Company response to consumer: Closed with explanation