vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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:
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 Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX A Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2022-05-20 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I payed the auto parts company with the number ( XXXX ) XXXX {$290.00} for a rear differential part. I noticed after the original payment another attempt of {$290.00} was made then another {$100.00} attempt was made but declined due to insufficient funds. I was told this was an accident. The sellers name shows as " XXXX '' in my bank statements. After receiving no confirmation, tracking, order #. I was convinced this was a fake organization and quickly canceled my card. I got with Chime and created a " Non-reciept of goods '' dispute for the {$290.00} it was denied after being looked at by Chime " no error occurred. '' I managed to call the XXXX number again and they told me they would refund me so I gave them my temporary card while my new card is being shipped. Instead of a refund they boldly attempted to take out {$290.00} and then {$100.00} again. In a rage I called back with no answer. I then called Chime again to handle this, they created a separate dispute claim this time as " Credit not posted '' ( a refund from the seller. ) In the same day they told me the information I provided did not change they're decision and Chime closed the case again. There is no sign of a refund in my Chime account from " XXXX '' I have been scammed out of {$290.00} and they attempted to take money out my account if Chime has looked at what happened they would see that I have in fact been scammed. I just want my {$290.00} back. The XXXX number isn't answering and I refuse to give them my new debit card because they will continue to try and take money out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: ERC
State: TX

Complaint narrative:
This company has reported A A debt to my credit report for A debt that says XXXX. I have never had sevices with this company nor their affiliated company. I sent A written request asking for validation of this debt showing I owed the debt and was never responded to. Instead the company reported this inaccurate information to my credit reports refusing to validate the debt as I requested in writting. There has been no dunning letter at all! FDCPA section 809 ( a ) requires that a debt collector send a written notice containing certain information about the debt and actions the consumer may take in response to a consumer within five days of the initial communication. I was NEVER notified of such debt, I have NEVER had an account with this company nor their affiliated company XXXX. I attempted to see if this company was bonded in Texas to collect since it comws across as A scam. Federal laws protect me from these type of collectors and they have broken several laws by KNOWINGLY reporting false information. When I wrote the letter I advised the cpamy I WAS NOT ASKING FOR A BILL STATEMENT BUT A CONTRACTUAL AGREEMENT SHOWING I XXXXXXXX XXXX HAD THIS SERVICE IN MY NAME! The company REFUSED to provide such validation and instead slapped it on my report. I'm filing the complaint to have A paper trail because next step is an attorney for this fraudulent company reporting information that is inaccurate on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 also states a consumer reporting agent 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 any open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: T.S. Holdings
State: AZ

Complaint narrative:
I have reached out to XXXX via mail dispute in XXXXXXXX XXXX XXXXXXXX  in regards to an account that was incorrectly reporting on my credit report. On XX/XX/2021 XXXX Sent me a letter in regards to the dispute and gave me false information that the account in question was not reporting on my credit, but in fact is reporting on my credit, and is not allowing me to get an apartment because of this. The company IQ Data International. This debt has gotten removed from XXXX and XXXX but XXXX have been giving issues with this for the last year. 

This company has reached out to me multiple times via mail and phone after I asked for a proof of debt, and every time the company would say I simply owe the debt with no proof. I kept trying to tell the company that this debt was paid when I moved out of this apartment over 5 years ago. 
Also the company has been adding on interest to the debt that I never agreed to in the original contract. This debt is not a credit card, this company has no right to claim interest on a debt involving tenant bonds. Every-time I ask for a print out of the interest the company states its apart of the policy. They are misrepresented the debt on my credit report which is direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: SC

Complaint narrative:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-20 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: SC

Complaint narrative:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: SC

Complaint narrative:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-20 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: OH

Complaint narrative:
i went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do 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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/22 I SENT CERTIFIED FTC REPORT AND 605 B LETTER TO EQUIFAX INFORMING THEM I HAD BEEN A VICTIM OF IDENITIY THEFT. EQUIFAX IN RETURN DROPPED MY CREDIT SCORE TO XXXX. IVE TRIED REACHINGTHEM BUT COULDNT GET ANY HELP FROM THEM THIS IS REALLY HINDERING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion states according to my file numbers that they have investigated and reinvestigated the XXXX XXXX account they are reporting. I have submitted disputes outlining factually incorrect data that I dispute and it is returned " Verified '' and " Updated '' and it has not been updated. Results sent to me are dated more recent than the " Date Updated '' field, and other incorrect and inaccurate data. They have stated to me that there are not " any open disputes '' for this, although I sent it to them on XX/XX/2022. TransUnion has not performed a proper investigation ; and it has not removed/deleted the account according to my rights under the FCRA, the reporting of inaccurate, unverified information.

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 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX, Mortgage Loan Officer from Fairway Independent Mortgage Corporation, demanded we pay Loan Origination fees citing the Intent to Proceed ( initial document ) for terminating loan proceedings due to his own refusal to work towards agreeable closing terms, which included access to information that was not ours ( third party financial disclosures ). 

His tactics we're coercive and, at some points, bullying, to demand payment for services not rendered. 

Our decision to not use him was the way he spoke to us personally and his upright refusal to accommodate our reasonable and lawful requests as consumers. He even refused to lock our rate early on fully knowing that interest rates were on the rise ( beginning with a low 3 % and resulting over 5 % ). 

In the end, XXXX XXXX XXXX pushed us into an situation where opportunity costs to pursue better rates with a cooperative officer early on directly effected how much we will now pay per month for our mortgage by several hundreds of dollars. 

We feel that the fees he invented out of thin air when we requested to terminate is an unethical tactic that might be more common at this office or even Fairway Independent Mortgage Corporation altogether. 

This is just the story of what we terminated with, the long email chains and verbal confrontations prior to were also extremely concerning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} XXXX Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX 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 2022-05-20 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I cashed checks totally {$6300.00}. When I realized the checks was fraud is when they was return. I called and inform USAA that it may have been fraud, that the checks was not good. I had that account for over 10 years. I didn't want it to seem like this was internally done. 
I paid the total of {$6300.00}. USAA informed me that my account would not be closed. They closed my accounts and did not say a word. I did not received a letter stating that the accounts, checking and savings was closed. 
I opened a new account with XXXX XXXX and this is when I am finding out that there is still an issue with USAA in this matter. 

It is reported that the balance is Unpaid and it was fraud. Both of which is not true. 

I would appreciate help in clearing this matter. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We went to chase to deposit {$12000.00} to our business account in Chase bank at XXXX XXXX XXXX XXXX, XXXX, CO XXXX And the teller deposited into the wrong account ( someone else 's account ) and I went back to the bank in about an hour to asked them to fix the issue and the manager said they will have to open a case but I wouldn't have money available until 2 business days, if I don't pay my employees I'll lose a lot of business and may have to shut down my small company, I need help to fix this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 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 also states a consumer reporting agent 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 any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation