vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am a victim of identity theft and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.

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 2023-05-30 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: MD

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on 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 2023-05-30 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: TX

Complaint narrative:
On XXXX I asked that late be removed from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 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 non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have had a business insurance policy since XXXX XXXX  2021, and dealt with one company at XXXX XXXX, XXXX XXXX XXXX. Not one time have they explained to me how to use it, because the annual fee is XXXX dollars, I have been paying XXXX. I haven't used any of the endorsement at all. I need to know why? And where my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
On XXXX I asked to remove late auto payments from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 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 2023-05-30 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: GA

Complaint narrative:
I, XXXX XXXX, personally filing this complaint without any involvement from a third party. I have attached letters to provide detailed information about the inaccurate items being reported in my credit report. The dates reported by XXXX, XXXX, and Equifax are inconsistent and untimely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: LEXISNEXIS
State: GA

Complaint narrative:
I disputed with XXXX nexis and per XXXX nexus letter attached had the incorrect bankruptcies removed from my XXXX nexus report. I've called 3 times and spoke to someone. Was even sent a letter verifying removed and advised by lexis nexis to send to credit bureau to have removed. They have a verified account and unverified account with this info. They removed from verified account and claim they are working on the unverified account I received letter advising info deleted in XXXX but still has not been deleted from both there verified and unverified account info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 explanation
Consumer complaint received 2023-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2023-05-30 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello so my issue is I paid my bill on XX/XX/XXXX I been waiting for a manager to contact me regarding my problem and nobody has I call the automated system it says a payment isnt due but when I see online it says a payment is pass due nobody seems to know whats going on and nobody has given me any explanation from comenity bank regarding that my payment I made on XX/XX/XXXX I would like to see whats a proper solution because a customer service from telling me your payment isnt late when my credit report is at jeopardy and when another customer service rep told me that I paid it too early too many different stories being told and nobody has been able to help me I called days before the payment was due and nobody has contacted me back also I did pay on XX/XX/XXXX which was the right time according to the rep I just spoke to but nobody from corporate has been contacting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems , LLC is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Jefferson Capital Systems, LLCt to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly tried to obtain my free credit report from all three bureaus but have been unsuccessful. I have been made aware of fraudulent usage of my social security number and the results following the theft of my social security number. I am unable to dispute these errors because I can not obtain my credit report. I have submitted copies of my birth certificate, my state ID, my utility bills, my social and card, my passport, my monthly cable bills and my insurance card. However, I am still unable to obtain any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime will not approve any of my disputes even though I have provided them with more than enough documentation to prove I didn't authorize or make the transactions on any of my previous disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: GA

Complaint narrative:
I, XXXX XXXX, personally filing this complaint without any involvement from a third party. I have attached letters to provide detailed information about the inaccurate items being reported in my credit report. The dates reported by Transunion, XXXX, and XXXX are inconsistent and untimely.

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/11 around XXXX XXXX I deposited {$480.00} dollars in cash at the lobby ATM at a Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The transaction went through however they couldnt read a couple of bills so I selected deposit more as I tried to deposit those bills I got an emergency phone call from my partner which led me to leave my credit card in the machine and leave right away. 

Unfortunately I did not take any pictures or received any receipts. 

The following day I get a call from the bank saying they shredded my card and when I checked my account there was no deposit made there. 

With a lot of calls they opened an investigation and credited my account but shortly after sent me a message saying they would take the credit back - no explanation, no checking of counting the ATM log, no checking of security footage. 

I wont let this go until I retrieve my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XXXX I asked to remove late auto payments from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 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 2023-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a merchant account ( payment Processing ) with Chase. Hoping that they would be honest. I collected {$1900.00} between XXXX transactions and they kept the XXXX. I called them 3  times and they told me they would return the money from XXXX to now. they still havent return the money. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and to be out XXXX has caused my family alot of grief. I like chase because they have been a good bank to me but to hold on to my money for XXXX  month is crazy. I went into the bank and they said another department handles this. Kindly return my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: EQUIFAX, 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. 

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 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 2023-05-30 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: 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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on 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 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received an email from Venmo that someone tried to access my acct. At the same time I received multiple back to back phone calls from a number I did not recognize. By the third call, I was worried that it was an emergency call so I picked up the call. The caller said it was an urgent message from Venmo that someone charged {$300.00} and that if I did not enter the pin number that they just sent me, that the charge would go through. So I entered the pin that said it was from VENMO. While I was doing this, I went to my laptop and logged in to my VENMO acct. to see if I could see this charge. I viewed my balance and then noticed from the home screen that the name on my acct. had been changed. I didn't see any unauthorized transactions. This whole time I was still on hold with the call stating they were verifying my acct. Then I noticed that my balance had decreased while I was on the phone. I tried the contact XXXX XXXX  and also the chat bot to ask for help typing in the words help and fraud and stolen hoping to trigger a telephone number or some other direct way to contact VENMO. In the meantime, my roommate found a number for VENMO so I hung up and called them immediately. I was able to connect with a person and told them what was happening. During this time, the last of my balance was drained from my acct. I desperately asked them to stop the transfer knowing this was fraud. They said it was too late ... .that I should have called within minutes ( even though I did ) and that there was nothing they could do to stop the transfer. All of this took place between XXXX and XXXX. The VENMO page of my acct said the funds wouldn't go through until XX/XX/31 but the VENMO rep said that it was still too late to stop the funds from leaving my acct. and all they could do at this point was to open a dispute. This was not an Instant Transfer -- but they still could ( or would ) stop this after verifying that this was an authorized transfer even by their own standards. You can see from the attachments that I did contact them as it was happening and yet they still say it wasn't fast enough to stop the money from being stolen from my acct. Additionally, there is no published number on their site to contact them immediately and their call center is not a XXXX  call center so if you did contact them immediately, they might not be open to help you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made XXXX payments of {$5000.00} to my XXXX XXXX XXXX  in XXXX of XXXX, however XXXX payment was never credited to my account. The {$5000.00} payment from XXXX XXXX  was made on XXXX and never appeared on my XXXX XXXX. I have been trying to rectify this ever since. I submitted a letter dated XXXX, XXXX, from XXXX XXXX  detailing the transaction, though this seems to have been ignored by Commenity Bank. Therefor I am also including the bank transactions for the month that shows the missing payment. 
XXXX XXXX offered to make a XXXX way conference call, but was told by Commenity Bank that " 3rd parties could not be involved. '' never mind that the " 3rd party '' is a Bank, the one that made the payment. I have numerous emails between myself and XXXX XXXX  on the subject. 
I was informed over the phone, at the onset of this problem that the disputed {$5000.00} and any fees or interest would not appear on my statement until after resolution of the matter, and yet said amounts have shown on my statement all along. This has caused real damage to my credit rating and to my good name. 
Be it known that I have XXXX financial debt of any kind, whether it be this Commenity Account or any other. All vehicles and properties are owned, free and clear of any loans.

Company response to consumer: Closed with explanation