vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
ChexSystems are keep denying my disputes and saying there accurate and irrelevant this is wrong and inaccurate I'm now being profiled at this point because they keep denying me every time and like I said for the 100th time with XXXX XXXX XXXX that check deposit was not made by me and its fraudulent I have lost my card and wallet with my pin written in my wallet that now I know to never leave my pin in my wallet. Someone deposited the fake check into my account and withdrawn the money out of my account I want not one time on camera seen withdrawing the money out please help me fix this and get me out the red with the chexsystems so I can continue to bank with new banks this is affecting my life and financial situation please have this fixed this is very unacceptable and unfair for me to go though this and its not my fault

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 2023-02-26 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I filed a complaint with the CFPB last year into Genesis FS Card services. After receiving a letter from the company in regards to my complaint, I as well as the CFPB was informed this information for XX/XX/XXXX would be corrected to show as on time as the missed payment was due to an acknowledged company fault. The company not only did not honor this, but they are now reporting 60 DAYS late to XXXX and remains 30 DAYS late to XXXX. XXXX remains accurate at a 100 % on time payment standing. I have tried disputing this with the credit bureaus and even provided the letter given to me as well as the CFPB, but the company still refuses to update, even after they agreed to. I am filing a second complaint with them and would like to request investigation by the CFPB not only for false reporting, but also fraud as the company has told the CFPB one thing, but is taking another. Furthermore, the company keeps deleting my email information and contact information, preventing me access to my online account to make payments and review my account history. This took place after my first complaint was made and continues. I have to call and have my account unlocked every month to make a payment as no other payment options are available. The keep telling me it is due to a website issue, however I have spoken to other card holders and this is not the case. When I questioned an employee, I was told this was due to my complaint. My next step is a class action lawsuit if the CFPB can not help me and the company refuses to fix the issue they caused. A scan of the letter sent by GENESIS FS CARD SERVICES has been attached. Screenshots of the reporting as of XX/XX/XXXX have been provided as well. T

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26 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: TN

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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:
By the Fair Credit Reporting act XXXX XXXX XXXX Credit Card 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 15 U.S.C 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 2023-02-26 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:
I am trying to dispute account from all 3 bureaus sent company XXXX XXXX XXXX a debt validation letter to verify debt is mines on XX/XX/2022 they sent letter back but it was not the correct information I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: NH

Complaint narrative:
They claim a loan was opened in my name and then not paid and everytime I dispute they claim to validate it with no proofs. I also contacted them to investigate as I never opened said account for a loan of {$150.00} or so. They refuse to actually investigate and they keep reporting it as late. They can not provide any signed contracts for this loan with a wet signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX shows past due amount. This is a violation of FCRA, and its also a violation of requisite Metro 2 compliant reporting standards

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 2023-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX shows past due amount. This is a violation of FCRA, and its also a violation of requisite Metro 2 compliant reporting standards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have no knowledge of these accounts. i beleive the thieft accessed to my information with these databreaches leaks. please remove all those fraudulents accounts from my 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 2023-02-26 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: TN

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-02-26 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: TN

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-02-26 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: OH

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. 

Account name & # XXXX XXXX XXXX XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio XXXXXXXX XXXX XXXXXXXX XXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 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:
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. 

Account name & # XXXX XXXX XXXX XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXXXXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio Dept of human S : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Payfare International Inc.
State: CA

Complaint narrative:
The new card sent from the company was sent to the wrong address and I was being charged alot of unauthorized transactions on my account while not having the card in my possesion. All transactions from XX/XX/XXXX up to XX/XX/XXXX are all unauthorized. I contacted the company already and haven't gotten any response. It all started from XX/XX/XXXX all the way up to XX/XX/XXXX. All my money is gone and I need that money. Below I attached all the unauthorized transactions that I did not get a credit for and all the one 's that occur this month. The name of the merchants/company charging my account are XXXX all the transactions from XX/XX/XXXX up to XX/XX/XXXX. I still do not have access to my money and the card they were supposed to sent to me and I was charged without my knowledge. The total unauthorized charges on my account is {$4300.00} including the new ones and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is not properly reporting my balance for my XXXX XXXX credit card account also they are not reporting the correct credit score to XXXX XXXX my credit score is XXXX and they are reporting XXXX. And my balance on my credit card is XXXX Also I have been trying to get a credit limit increase from XXXX XXXX on my credit card and because Experian isnt reporting the correct credit score to them I keep getting denied. I want my correct credit score sent to XXXX XXXX and I want XXXX XXXX to increase my credit limit as much as possible hopefully to XXXX or XXXX please

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank is another creditor that has harassed me and intentionally marred my credit for years ; and for unclear reasons. I paid off the XXXX XXXX account and not only did they fail to close the card, they continued to allege I had a XXXX dollar balance and put a charge-off on my credit. This is the same bank that alleged I owed the XXXX dollars and put a lien on my home causing a divorce and physical injuries to myself and my children as we were literally entrapped in a sick home and unable to sell until they became cooperative.

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 monetary relief
Consumer complaint received 2023-02-26 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: FL

Complaint narrative:
I have pulled my Transunion report and noticed an incorrect account that had previously been disputed and transunion refused to delete from my account and did not properly investigate my dispute. I sent transunion a certified mail copy on XX/XX/2019 XX/XX/2019 I also reached out to XXXX XXXX on XX/XX/2019 and on XX/XX/2019. Their response was they could not resolve the dispute because they could not find enough information on their end. They still refused to delete this and it remains on my report hurting my chances to obtain a home. 
Please see Proof attached. Thank you

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 2023-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Reference : XXXX. 

1. It is with the proven fact that Correspondence after correspondence which i send to Ally, are without a correct performance response. 
2. Ally is without the proper verification of accounting to prove the funds for loan agreement XXXX were in fact produced by Ally. 
3. It is my suspicion that this Loan with Ally is an unsecured Loan. 
3.1 Ally had 30 days from the time the loan documents were signed to transfer the securitization of the promissory note into a XXXX trust which would have originated a new owner, which would have sent me in writing further details that there is a new signee in the loan documents pursuant to the Truth In Lending. 
3.2 It is my strong belief the Loan is in default and therefor unsecured and if the Loan is unsecured THERE IS NO DEBT.

4. It is my belief that Ally is with the intent to commit fraud to the IRS by tax evasion.

5. It is my strong belief that i am a 3rd party beneficiary because my proceeds from the note funded the transaction to obtain my car.

6. Pursuant to Title 15 section 1641-ammended public law 111-203 - 15 usc 1640, I have a claim for the recoupment and setoff. 
7. Failure for Ally to come into an agreement with me for the recoupment and setoff of Loan XXXX within the next six ( 6 ) days will result in an IRS/Department of the Treasury criminal investigation procedure which i will fully implement.

Note : 1. Reference attached documents for proof Ally agents are without the proper performing accounting for origin of funds for Loan XXXX which clarify unfair, abusive, and/or deceptive lending and servicing practices. 
2. See attached Judicial notice and Constitution for men/women of this land. 

Sincerely Benefeciary : 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 2023-02-26 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: CA

Complaint narrative:
My personal information has been exposed in several data breaches and now my information is being used to fraudulently. I was able to take a look at my credit report and I see many suspicious accounts and charges. I have been receiving calls and emails about account and charges that are not mine. I am sure that scammers took my information and now I am being negatively effected.I noticed fraudulent information was posted on my file.

Company response to consumer: Closed with explanation