vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I received debt collection letters from TRS recovery services on behalf of the XXXX XXXX credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to XXXXXXXX XXXX card.I reported the fraud to my. bank XXXX and the matter was resolved with the XXXX XXXX XXXX XXXX ( I have a letter from my bank stating as so ). Now it seems thaht XXXXXXXX XXXXXXXX XXXX XXXX, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score 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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is an error on my credit report that is very easy to see and to correct if an actual person was reviewing my file. On my credit report with Equifax, it is showing I made three late payments to XXXX XXXX XXXX, XXXX & XX/XX/XXXX. This is incorrect. My loan with XXXX  was transferred to XXXX on XX/XX/XXXX. In fact, the Equifax credit report shows this BUT for some reason Equifax is reporting those late payments which is impossible as the loan was transferred XXXX years earlier. 

I have contacted both XXXX and attached a record of all payments made on time to XXXX which includes the dates of the incorrectly reported late payments. Furthermore, you can not get through to an actual person at Equifax. Their auto attendant does not work so it's impossible to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
IN accordance with the fair credit reporting act XXXX account has violated my rights. 

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 late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX account has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: DISCOVER BANK
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I was on a XXXX XXXX XXXX XXXX when an offer to set up a XXXX account appeared. It was, I believed it was and was presented as such, an offer to open an account for purchases made for shipping, tracking orders, and to facilitate check out with ease as I had made purchases on line with the XXXX XXXX previously using my bank card. Before I knew it I was being asked income and social security number and date of birth in addition to other demographics and when I hit submit, it apparently generated an Inquiry on my credit bureau report erroneously. I called XXXX to remove the inquiry as an error and after hours of aggravation, hold times, rude people I was told " No '' by a person named XXXX. I explained I felt I was duped into going down a " rabbithole '' I never intended to go, that this was unfair and deceptive and also wonder how many others were so tricked, to wit XXXX told me " Oh when you hit submit you gave us permission '', which I never did. I feel XXXX engaged in Unfair and Deceptive practices. I have since unsubscribed from the 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 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
I placed a {$350.00} internet order with my with XXXX Synchrony credit card on XX/XX/XXXX. That order was never received despite XXXX indicating that it was. I tried to contact the store via their customer service line over the next 4 days to resolve the issue, and each time I was promised a call back from the store manager within 24 hours. That call never came. 

On XX/XX/XXXX I contacted the credit card issuer Synchrony Bank to dispute the charge for non-delivery. On XX/XX/XXXX XXXX provided to Synchrony as delivery 'proof ' a screenshot of their system saying the order was delivered, which Synchrony accepted. 

On XX/XX/XXXX I resubmitted the dispute indicating that no real proof of delivery had been provided ( e.g. a delivery signature, or a picture of the item delivered on premises ). On XX/XX/XXXX XXXX sent the same screenshot of their system indicating delivery, and Synchrony bank accepted this again. As of XX/XX/XXXX I am currently in the process of disputing this charge for non-delivery a third time. 

This was a very large, palleted item to be delivered on a flatbed truck, I was home and there are security cameras all over. This wasn't a case of theft off my property. I've been a customer with Synchrony on this card since XXXX and this is the first time I've disputed a charge.

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 monetary relief
Consumer complaint received 2022-08-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX XXXX, two ( 2 ) unauthorized transactions appeared on my Wells Fargo credit card account ( card # XXXX XXXX XXXX XXXX ). One is from XXXX with {$230.00} and one from XXXX XXXX with {$250.00}. I called WF to dispute this unauthorized transactions and after a couple of phone transfers, agent-supervisor-card dept., etc., finally I got to the Wells Fargo fraud dept XXXX and the amounts were settled and cleared. On that same phone conversation, It was also confirmed that I even ended up having a - {$70.00} balance ( overpayment ) upon further review of my credit card account. 
And promised me of repayment. On XX/XX/XXXX I've decided then to close the credit card account to avoid another incident to happen. 
Please see attached files showing my closed credit card account. Two are screen shots from my computer. 

Now come XXXX, I am not aware, until recently that Wells Fargo has put back one of the unauthorized transaction ( {$250.00} ) on my now closed credit card account. 

XX/XX/XXXX, I went to WF branch here in XXXX, TX to dispute again this transaction. This time I asked the bankers assistance to call WF to explain everything again. So the banker helped me out in explaining my case to card dept.-fraud dept. etc. 
After more than an hour of discussion, a case number was created for this issue. I requested an email correspondence for future communication. 

XXXX XXXX, XXXX, they sent me thru email the result of their investigation, which of course is in to their favor. ( Please see attached file, Wells Fargo Message.pdf ). This is very unfair and unacceptable. 

I really don't know what else to do/ where else to complain. All this time this has ruined my credit score, because of the fraudulent amount they put back in my now closed account. It's been a very frustrating and tiring 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 monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I mailed a letter to Experian on XX/XX/2022 asking that they remove all of the incorrect and inaccurate names listed on my credit report because I am afraid that I'm susceptible to identity theft and fraud! They did NOT remove all of the incorrect names off of my credit report! 

According to the FCRA, my credit report must be 100 percent accurate and verifiable. And consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

I only have ONE legal name, but Experian has kept all other incorrect and inaccurate names on my report after I already asked them to remove them! I even verified my legal name by sending them a copy of my license and social security card! 

Experian is in TOTAL violation of my rights to accurate credit reporting!

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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which Transunion simply said everything was updated without giving any information after 3 months and XXXX said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. XXXX never replied.

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 2022-08-29 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: MO

Complaint narrative:
I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which XXXX simply said everything was updated without giving any information after 3 months and Equifax said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. XXXX never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, On my Experian credit report dated XX/XX/XXXX it says I have a 60 day late payment on XX/XX/XXXX from : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have an attached letter from XXXX  XXXX dated XX/XX/XXXX that states you are to remove this late payment. 

Enclosed in this complaint is : - my drivers license - my social security card - my current address- my complaint letter - the letter from XXXX XXXX to remove the late payment- a screen shot of where it shows on my Experian credit report as of XX/XX/XXXX XXXX  XXXX in the letter has stated they have already requested you remove this - as I have- and am doing now again. 

Please have this removed asap as XXXX XXXX has directed you to - this is damaging my credit and interfering with my ability to obtain credit.

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 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to allow XXXX XXXX to reporting an 2 open collections on exempt funds violate the Exempt income protection act an account that is exempt from debt collection should not be reporting an open account or any account this is considered continuous collection on exempt funds and must be deleted at once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On the XXXX of each mouth I have a credit score, it is over 800 every time. About 10 days later my credit score closes to XXXX. I have called and emailed Experian over and over for a year, with the same generic reply every single time. I tell the its a problem with their programming. But still they dont fix it. This has became a financial burden and needs to be resolved. Any help will be greatly appreciated. 

Thank you, 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 2022-08-29 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: AR

Complaint narrative:
Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/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

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 2022-08-29 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: NCB Management Services Inc.
State: TX

Complaint narrative:
IN accordance with the fair credit reporting act XXXX  account has violated my rights.

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 late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
IN accordance with the fair credit reporting act XXXX account has violated my rights. 

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 late for any 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 2022-08-29 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: IN

Complaint narrative:
The Credit bureaus XXXX, XXXX, Transunion, and XXXX XXXX stated account name & Account #, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX identification number XXXX XXXX, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I had a derogatory mark appear on my credit report on the XXXX of XXXX, XXXX from Sequium Asset Solution. Looking into it further, I saw the collection was opened on XX/XX/XXXX, over two months ago, giving them plenty of time to try contacting me, but this is the first time I saw anything about this. Seeing as the original creditor was XXXX, I immediately knew this was identity theft, as the last time I had an account with XXXX was in XX/XX/XXXX, before I sold my house and moved. I already started a dispute with XXXX, and I am filling this out, which I hope is the FTC report they were referring to.

Company response to consumer: Closed with explanation