vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: FL

Complaint narrative:
TransUnion claims they except disputes to repair remove incorrect information they however DO NOT remove delete fix anything resulting in untouched inaccurate information dating back to many many years ago. 

Separately I have been affected by a bank who claims information on TransUnion file has resulted in the closure of an account and also cutting my higher credit limit to lower limits. Who decided it was a good idea to allow a bureau this much power over the consumers? They report the lowest credit score of the other bureaus I'd like to request they stop reporting anything about me Good or Bad

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 2022-05-19 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: MD

Complaint narrative:
I have informed XXXX, Equifax and XXXX that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX XXXX {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 have informed XXXX, XXXX and Experian that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX XXXX {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your 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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several accounts being reported on my credit report. I do not know any of these companies, I have never done business with any of them. These collections companies do not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: PA

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, has violated my rights. I sent a debt validation letter to them in XXXX. Its been 45 days and they have yet to send all the requested documents. They are violating my rights. There has been no document presented to me proving that I owe the alleged debt nor that I have even engaged in doing business with them. The date opened, comment, and last active dates are inaccuate when comeparing my XXXX and XXXX consumer reports. There's different information on each one. This is also a violation. Having this inaccurate item on my consumer report is negativly impacting my ability to secure credit and loans. 

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday XXXX XXXX I was selling a dress on facebook market and the person named XXXX XXXX who bought my dress asked for my name and phone number under my account to XXXX  me the money and thats what i did but then i got emails from a fake XXXX email saying to follow procedures to receive the money and one email had said to XXXX  {$600.00} to verify your identity but it will be refunded and another said that the person sent an extra {$600.00} to me by accident and to refund it and said to XXXX {$770.00} to finally receive the money fully to verify. I then realized that the XXXX email was fake and the person hasnt been answering me ever since. Ive lost {$1900.00}. The XXXX emails look real and when I did some research the XXXX email address was fake. I called chase and told them the situation but said its not covered since it was a scam and I authorized the transactions even though I was INDUCED. Chase didnt want to do anything about it as well as XXXX XXXX Ive never done this before and there shouldve been a courtesy refund or something. XXXX  a college student who isnt working and barley has money to live off of. Very unfair that people are covered under fraud and not scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NV

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX, XXXX XXXX, and XXXX have refused to removed a debt that I am not responsible for. I have been proactive with communicating and disputing this collection. However, they refused to take action. I have been a victim of Identity Theft and was apart of XXXX data breach. They have also acknowledge that my personal information including my social security number, phone number, and address was found on the dark web. I am filing this complaint to take further action in my dispute process in result of having a collection removed. attached are my original documents sent to the credit bureaus.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, XXXX and Experian are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXXXXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.

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 2022-05-19 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 XXXXXXXX

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close/permanently limiting my paypal account. I am using my paypal account for trading as my way of helping the children to provide their needs in their school materials and expenses. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God Bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/2022, I went Citibank on XXXX XXXX XXXX XXXX XXXXXXXX California. I tried to wire XXXX to XXXX  for my girlfriends wedding ring. They told me they wouldnt send the wire and they shut my account down. My account has XXXX in it. I havent received any of my money. This isnt fair.

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 2022-05-19 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: MS

Complaint narrative:
My name is ( XXXX XXXX ) and I am a consumer/ natural ( woman ) submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2022-05-19 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover has a habit of false advertising. They have refused to resolve a fraudulent monthy recurring charge from someone called " XXXX XXXX ''. They are fraudulently charging me XXXX each month. I have contacted both XXXX and Discover to dispute this and get no help. I have cancelled my card to stop the recurring charge and Discover simply moves it to the new account number. This matter goes back several years now. They owe me at least XXXX years of charges at XXXX per month. I have stopped using my Discover card as a result and am giving my business to my other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I had two account with chase one was saving and checking accounts. I had zero dollars on my checking account but had money on my saving account. My overdraft protection was off. Which mean Any transaction I made off my checking were to be declined. Since I made a purchase the card didnt decline I thought they were taking the money out of my saving accounts. It wasnt till my checking account was overdrawn by XXXX dollars they notified me I had an overdraft. They never took the money off my saving account to cover my overdraft transaction even though it was off on my checking account. I called to close the account. They never did and kept letting charges go through. They wont stop harassing me. They vandalized my car. Wont stop following me. Asking people for my personal information. Hacking into my XXXX accounts. XXXX accounts, emails monitoring and monitoring my messages without consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 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: VA

Complaint narrative:
I been trying to get this issue corrected for 3 years now. XXXX Experian and XXXX has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all 3 bureaus don't match either.

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 2022-05-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Equifax Information Services, LLC has violated my rights by furnishing these inaccurate and fraudulent accounts below. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A. section 2. it also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681 B. Permissible Purpose. The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and the summary of consumer rights required by Section 609 of the FCRA. ( The summary of consumer rights will be provided by the CRA that conducts the investigation. ) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below. 
Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation. This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.

Company response to consumer: Closed with explanation