vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: ND

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 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 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 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 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 2022-04-20 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 the following have violated my rights : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 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.

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 2022-04-20 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: IN

Complaint narrative:
In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but Equifax and XXXX denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: IN

Complaint narrative:
In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but XXXX and Experian denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.

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 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Repeated daily calls

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 2022-04-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX  XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX  XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX XXXXXXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXXXXXX XXXX XXXX CA XXXX I only work for 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 2022-04-20 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
inquiries that i didnt inquire about

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 2022-04-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
my wife has XXXX and i send XXXX from my XXXX bank in texas,,, i'm a XXXX XXXX XXXX XXXX veteran,,, the company name is Remitly money transfers... money was send on the XXXX and was due XXXX at XXXX today, ,now they are saying it we get here on the XXXX... .they have already charged me the XXXX so i can't send money thur XXXX XXXX or other ways,,, the money is for medical needs for my wife.. my pensions come on the XXXX and XXXX of each nonth... .their service is teriable,,, ,i have call and they provide no anwsers... please help ... my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Scott Fetzer Financial Group Inc.
State: MN

Complaint narrative:
Back in XX/XX/XXXX, I reached out XXXX XXXX XXXX to help settle on owed back taxes. XXXX XXXX, Resolution Officer, informed by in a phone conversation that their business could settle between $ XXXX, and have been successful with their resolutions in the past. When I signed on they asked for {$250.00} for the filing fees and told me that I would have to sign more documents, power of attorney so that they could work on my case # XXXX. And that they could get started as soon as I pay them their fees in full. I had to take out a personal loan with United Consumer in the sum of {$5300.00}, and have made 5 payments of {$740.00}, and still owe {$4600.00} until it is paid off, but they did get their money from the loan already. Then they assigned me a case manager, XXXX XXXX. I heard from her once. I had to keep contacting them via emails and phone calls, because they were inconsistent about my case and what I have to do next. I finally started to reach out to them in XXXX and in XXXX. They told me to send in my financial and expenses documents, which I provided back in XXXX. I finally got a letter from the Internal Revenue Service on XX/XX/XXXX, stating that I was set for an installment agreement payment, IN FULL until it was paid off, year XXXX. I will retire before them and will not be able to pay off this debt. XXXX XXXX did not deliver, I could have set up the installment agreement myself. I want my money back, and to be rid of the deb that I owe United Consumer. I felt that these were fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an 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 explanation
Consumer complaint received 2022-04-20 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: MS

Complaint narrative:
In accordance with the Fair credit reporting act, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A 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 2022-04-20 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: NJ

Complaint narrative:
XXXX continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately.

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ.

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer 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 2022-04-20 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: NJ

Complaint narrative:
XXXX continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately.

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ.

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
after realizing the account might be a scam I contacted the company ( Coinbase ) to prevent the verification process and stop the transaction. I did not receive any help from their support team. After I called a few times no one was able to give me any guidance on how to save my money ( savings ). They did not ask me for any details about reporting the issue. There was no protection available, nor an insurance or funds security offerings. I submitted a complaint. I never received proper support. The money was gone. I understand the digital currency economy is very new, and regulations are not fully in place. But if one of the leading Crypto Exchange companies, such as Coinbase, which makes big profits, can not have self-regulated plans for cases and circumstances that should be serving a regular user/customer/like myself, it will not be fair to only focus on business success, without considering providing service and support to those whom they profit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: IA

Complaint narrative:
In accordance with 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 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 2022-04-20 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: IA

Complaint narrative:
In accordance with 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CORELOGIC INC
State: IL

Complaint narrative:
failed to remove inquirie after conversation

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Yesterday night on XX/XX/2022. I tried to open my Chase account and login but before I could log in a message popped up on the app saying that chase has locked my account for suspicious activity. They did not let me know anything before closing my account or locking my account. I began to wonder what could have happened because it was perfectly fine all throughout the day yesterday and even before yesterday. I even tried to purchase a hair and I wanted to check to see if the payment went through and it got denied because my account was locked. So this morning I called Chase regarding the issue and they emailed me that morning and also on the phone saying that they are closing my account and that I can not open any future accounts. That they are ending their relationship with me. And I feel like that is not fair to me because they will not give me any detail as to why they're specifically closing my account or for me to at least know any transaction that might have triggered it or if my account was being hacked. I don't think that it was right and I have the right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chex Systems has had a XXXX XXXX XXXX XXXX on a report with them for 5 years already I have done the math and it is well past the time for this item to be removed for good. I have also provided them with an ID theft report that they deemed wasnt " close '' to the time frame, I dont care what it was close to or wasnt close to I had ID Theft and they need to remove this information from their file.

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/22 I received several new emails from Wells Fargo, stating that I had applied to open a checking account and it was approved in my maiden name. XXXX XXXX my current name is XXXX XXXX for the last 25 years. The other emails were about starting online banking how to sign up, and another email was about changing the email on the account. 
I called Wells Fargo and they did confirm that an account was opened today. It was a checking account with a zero balance. The account was frozen while they investigate it. I did fill out a police report, and call the credit bureaus. I also notified several of my Banks. And placed it alert on my credit bureau accounts.

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