vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: NV

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-22 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
credit acceptance incorrectly reporting late payments on my account. I was NEVER notified 30 or even 15 days before my payment date nor was I notified ON my payment date. Which is resulting in misinformation and low scores. Currently I had a joint account with my x wife & the information thats being report on my report and her report, about the same account appear to be reporting differently.. I called credit acceptance to get this matter resolved. But sadly could not. i was told it was my fault and the could not do anything about it. I file a complaint wit the XXXX  Credit acceptance called and said that they will investigate. But investigation was just questioning my on the phone before telling me they could not do anything about it. so NOTHING as be resolved.

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 2022-09-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TransferWise Ltd
State: CA

Complaint narrative:
I encountered the account XXXX XXXX on XXXX, where " XXXX '' sells designer bags that are difficult to get. So I sent her a message and she said a bag that I wanted was available. First she offered that I pay with credit card, so I went ahead and purchased through the " XXXX '' 's transaction service. After a while, she told me that the transaction had an issue because the amount was too big and that she has to give me a refund. The refund also took me a very long time, so I decided to call the XXXX  service and they were able to figure this out for me. After, she asked to pay through bank wire transfer. I believed her since she built her credibility through offering to pay with credit card and she offered to show her passport as well. I went through with bank transfer, then she disappeared. 

The information I have is this bank information of Wise, and that they live in XXXX ( state of XXXX ). Her email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC
State: FL

Complaint narrative:
Advanced Capital Solutions is a debt collector XXXX. 

We are trying to collect a LEASE TO OWN debt that you owe to XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account now owned by XXXX XXXX from XXXX with account number XXXX. 

Opened on XX/XX/XXXX As of XX/XX/XXXX you owe : {$1200.00} You do have an option to settle or you can click on our portal link to customize a payment plan that fits your financial needs. 

The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NE

Complaint narrative:
Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that XXXX and Experian have me in collection due to an account from 2015 with cox which I never authorized at all It was someone who had stolen my identity he used my social to open that account in 2015. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in 2015 making 2022 when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. XXXX XXXX has also publicly reported the theft all over my XXXX XXXX reports Violating my FCRA rights as well I also disputed with them and still have received anything back from lexis nexus after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.

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 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on XX/XX/2022, as I needed help with my studying, I found tutor in website called XXXX XXXX XXXXs and paid them {$180.00} through XXXX as per their request. it was my first time to use this kind of service, so I thought it was normal to make payment like this. 
They assigned me a tutor and later said, to help with my studying, they need to setup a special software on my laptop and it will cost {$400.00} for a deposit as they need to borrow it from another company. He said multiple times that I don't need to worry as this is totall refundable. So I transffered {$400.00} through Chase XXXX again. after transferring the money, he said he didn't get it and asked if I can send the money again and once they receive the money, they will give it back to me. I refused it. on the next day, they said we got an another problem, need to install some other software, and it costs {$200.00}. so I need to pay for it. I refused it. They were like they will give me back the money. I refused it then they ghosted me after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GU

Complaint narrative:
Sent money twice to the wrong person via Paypal. 
The wrong person : XXXX XXXX XX/XX/XXXX : {$2100.00} XX/XX/XXXX : {$120.00} The correct person should be XXXX XXXX When I realized the wrong transaction happened on XX/XX/XXXX I communicated with the wrong person XXXX XXXX and requested refund but the person ignored. At the same date I filed a complaint to Paypal solution center for help but Paypal rejected. 

Case ID : XXXX Disputed amount : {$2100.00} USD Seller info : XXXX XXXX XXXX Date reported : XX/XX/2022 This is the feedback from Paypal : " After our review XXXX we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX  Dispute Department Experian XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items soon as possible. 


Fraudulent Accounts 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 2022-09-22 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:
on or around XXXX there was a late payment posted to my account from Capital One XXXX XXXX XXXX  Even though I had made several payments before the due date. that they refused to credit towards my next due date. that is very deceiving to not post the payment to the next billing cycle. as I thought it would. 
In accordance with the fair credit Reporting act XXXX XXXX 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 a 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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-22 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 — Problem with personal statement of dispute
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation.

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

PROCOLLECT INCXXXX 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: American Credit - Credit Repair Centers
State: CA

Complaint narrative:
I own private property in XXXX XXXX. I own several parcels of land which are bordered by a fence. This company placed credit repair signs on my fence. I removed these signs, but new signs were placed on my fence again. This has happened several times over the past year. This company is trespassing onto my private property and placing signs without my permission. The sign reads Fix Your Credit XXXX XXXX. When you XXXX the number, its comes up as American Credit Repair I called the number and they identify as American Credit Repair. I asked them to stop advertising these illegal signs, however, they keep putting the signs back up. Moreover, this company has admitted guilt on the XXXX  website ( they also have an F rating. ) Placing signs on public and private property without permission is a misdemeanor in the state of California. Please sanction this company. 

Also, their contract states they are a non-profit corporation, however, they are not a registered 501 ( c ). I have a copy of their contract. This is a violation of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My account was closed in XXXXXXXX XXXX XXXX when I was still paying on my account. They have since charged it off since I stopped paying in XXXX. I have been talking to them since the closure about my account but they have been NO help. Apple/Goldman Sachs only want full payment, even when I was told by a Goldman Sachs representative that it was closed in error. Please help me fix this situation. They have been single-handedly ruining my life. I just recently got into a car accident and need a new car but cant get approved because of the wrongful charge-off. My counselor at my credit union suggested I contact you guys because I have tried to talk to Apple/Goldman Sachs but they just keep transferring me. Thank you for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CA

Complaint narrative:
The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CA

Complaint narrative:
The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 my Wells Fargo checking and savings accounts were illegally accessed without my providing any bank information. Without my consent, {$25000.00} was transferred out of my savings account. 

Wells Fargo never notified me of this " oddity '' which had never occurred in any of my accounts in 23 years of being a banking customer. 

When Wells Fargo investigated the claim, they did not address the illegal transfer from my secure accounts. Instead, they attempted to reclaim the money from the checking account that had been immediately closed after the fraud. When they discovered the account was closed, they took no further action and closed the claim. 

They never took responsibility for account having been hacked from the outside without any of my consent and the money illegally transferred out of my savings account. The total loss was {$24000.00}. 

There was no disclosure to me of the fraud committed against my accounts and Wells Fargo claimed no responsibility for the fraudulent and unauthorized transfer of the {$25000.00} from my savings account.

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 2022-09-22 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: KY

Complaint narrative:
I had to file a dispute with chime due to unauthorized transactions as I was in XXXX XXXX XXXX XXXX XXXX XXXX  due to an ongoing issue with XXXX XXXX XXXX XXXX XXXX, the time my card was charged. I pressed charges on the person who broke in my home and stole my debit card while I was in the hospital. I shared the police report with chime as well as my XXXX papers from the hospital. Chime is requesting medical records and XXXX XXXX that is breaking HIPPA. All I want is my money back they promised for an update by the XXXX XXXX XXXX  and I never heard anything.

Company response to consumer: Closed with explanation