vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a letter to Experian on XX/XX/2023 disputing a collection account. I also submitted supporting documentation of an FTC report. It has been over XXXX  days and I have not received any updated information and the collection is still 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 explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2023 There were two transactions happened from my account for {$2500.00} and {$2500.00}. I didnt authorize those transactions and I disputed them on the same day and asked them three times to help with the transaction and stop the transactions but they dined it. I didnt authorize those transactions and theyre making me responsible for it. This is the second time in one year they dined my dispute which is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: DE

Complaint narrative:
American Coradius International LLC ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to XXXX ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my XXXX account and have also called to confirm with XXXX that I don't have any debt previously or currently. I don't have a XXXX credit card and I only use XXXX to make payments using my bank debit. I have no balance that I owe to any creditor through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I had been working with XXXX XXXX in house XXXX XXXX Department for a couple of months to resolve a past due rent balance and keep this debt from going to a 3rd party outside collection agency. Some point during the months I had making payments., National Credit Systems , Inc had contracted me about this past due balance- stating that I had not made suitable arrangements to pay this debt. In response I told them that I'm disputing this debt entirely and requested debt validation under the fair debt collection practices act. It has been over 3 months since they received the letter and to this day, I had received no supporting documents that proof that this debt as mine and they still continue to pursue collection activity including reporting this debt on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2023 : I couldn't see my savings account on my Wells Fargo app so I drove to the closest branch to access their ATM- I put in my card and again I was not able to see my Savings account. I went inside to speak with a teller and he said he could not see my account either. His manager then tried helping and again she could not find it. I had a horrible XXXX XXXX. There was no explanation and a lack of sympathy and apology. I was then expected to walk away with a confirmation number that the matter had been " escalated '' and nothing else. My entire life savings VANISHED with NO explanation. I proceeded to leave and had another XXXX XXXX as I was distraught and bewildered by my reality. 

A few people approached me in my panic to try and help and advised me I go to the police station. I arrived at the station and called Wells Fargo customer service hoping their response would be different. It was not different and in fact worse as the representative miscontruded my words claiming I said " Wells Fargo is Hiding my money '' which I DID NOT SAY. Again, the lack of sympathy and urgency for my matter sent me into another horribl eXXXX XXXX that occured in my car while on the phone with the representative. I screamed so intensely I burst my XXXX XXXX in both my eyes causing me extreme discomfort and stress to this day as theyve become itchy and swell up and the stress of this situation flared my XXXX. 

I then went inside the police station where I was met with disregard. They said there was nothing they can do. Again, I left in panic and disbelief and thankfully a couple there saw my distress and approached me to see if there was anything they could do to help. 

The next day I called for an update and the representative said there was no update because the case had only just been assigned to an investigator. This led me into an XXXX XXXX that takes away my ability to feel and think properly. Later I received and email saying they would contact me within XXXX  days which they did not do. 

I have been as patient as possible and yet there is no resolution. The fact that this criminal organization continues to operate is unfathomable. My livelihood and my future are at stake. I cant sleep at night, I wake up with an accelerated XXXX XXXX  and my cripling XXXX XXXX and XXXXXXXX XXXX are all back. The tension throughout my body is painful, my hands have a persistent tremor because of the worry they have caused me and I'm now forced to take medication in an effort to try and keep my sanity.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/23 I realized that I no longer had access to my funds. I called Chase Bank on the morning of XX/XX/23 and they notified me that they had closed the account due to a check that I had written for rent earlier this week. This is the second time in the past month I have had my account closed for false fraud flags. I then went into my local branch and spoke with the Branch Manager who explained that this account was flagged due to an unresolved report from a previous time I had applied for a XXXX account. This was especially frustrating since I had spoken to a XXXX branch employee that had told me I had no outstanding issues and I was fine to open a checking account. My money is being held XXXX and I am unable to pay off my cards, pay rent, or for other necessities at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE REACHED OUT TO EXPERIAN SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT THAT HAS CAUSED ALOT OF STRESS ON MEAND MISSED OPPORTUNIES .THE LATE/MISSED PAYMENT REFLECTING FROM MY TWO CREDIT CARDS XXXX, XXXX XXXX AND XXXX XXXX ALL FROM XXXXXXXX XXXX XXXX XXXX.THIS A DEFLAMATION TO MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX 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 states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I filed 2 disputes with XXXX for my XXXX loans. I sent the letter of the US Department of Education showing the loans had been discharged. I called the company ED Financial that held the loan and they confirmed it was showing {$0.00} balance on all loans as of XX/XX/2023. The First dispute XXXX said that the company did not confirm a change. I got my letter for the department of education and sent that in the second dispute in XX/XX/2023. Again XXXX came back stating the ED financial did not give them any change of amounts. I got a letter from ED Financial XX/XX/2023 showing the accounting of all the accounts and all showing paid in full with {$0.00} balances. XXXX is the only credit reporting agency not removing the balance for me the others have corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I restart at least a dozen times directly to CID financial through phone calls emails and disputes through credit agencies and never once update corrected the record. The last dispute I sent out on the XXXX of last month magically was bounced back the exact same day and closed and said to be in verified when you look at their very own records and it literally shows during correct so they did not do the investigation as they said that's a complete 100 % lie as well on the part of XXXX they didn't do anything to make sure that they didn't investigation in fact they did anything but. This is two companies working together to be able to create money off of my back and I'm not going to have it anymore. Their own record reflects that are only owe {$1.00} left on this vehicle and I did that very specifically. Yet at the top it says I owe a couple XXXX dollars. And that doesn't make sense with the chart you have literally right below it that shows I paid it down to {$1.00}. Also what is oat on the vehicle and then my payment amount is completely off why would I be making a {$300.00} payment when I only owe you guys according to you XXXX some dollars even though I only owe {$1.00} why would I pay over {$300.00} on either one of those amounts? There's also a month of missing information which just so happens to be the month I paid everything down to {$1.00} but then the record reflects from then on out my balance was {$1.00} but at the top it does not reflect the same and that's what they're trying to claim I owe when it's incorrect I want it removed immediately. The fact I have to go see and do the investigation and I see it on the very first page the very first second I look at it should be embarrassing for your company. I'm not even smart I'm not even that guy I'm a XXXX person but that's clear as day to me and it just taking money from people When they don't have any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure.

According to the Fair Credit Act, 1. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX have violated my rights. 
XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.

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