vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: TN

Complaint narrative:
Transunion stated on XX/XX/2022 in their response to a dispute ending in XXXX that they would delete XXXX tradeline from a credit report. I will paste their response below. I want Transunion to follow through on what they said. 
-- -- -- -- - Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX, INC-UPDATED ( XXXX ) XXXX XXXX-DELETED ( 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 2022-08-12 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX 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 2022-08-12 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: GA

Complaint narrative:
In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXXhas 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 explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When Chase rolled out the Freedom Flex credit card, I called in customer care and asked for the difference between the XXXX cards as Freedom information is no longer published on the website. The representative told me nothing but a simple XXXX to XXXX XXXX transition. With this information I started using my Chase Freedom for restaurant purchase as Freedom Flex offered XXXX reward for that category. I checked my XX/XX/2022 statement and noticed I was not getting the bonus rewards. I called in customer care multiple times and was told Freedom does not qualify for the XXXX reward. I asked for a supervisor and the line got disconnected multiple times. I was misled by Chase as they remove Freedom card information online despite it being an active card and was told by their own people that terms are the same as Freedom Flex shows that Chase is misleading consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: World Acceptance Corporation
State: IL

Complaint narrative:
Ive have tried over and over again in XX/XX/2022 nothing had been done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
ON XX/XX/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECTED BUT XXXX  WHICH WAS PURCHASED BY ENHANCED RECOVERY. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE IN XXXXXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries don't belong to me I didn't authorize them. 
XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/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 2022-08-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Previous learning that EQUIFAX SELF ADMITTING TO SENDING OUT FAKE REPORTS IS FIRST OFF MIND BLOWING. FURTHER INVESTIGATION INTO MY CONSUMER REPORT IVE NOTICED I HAVE BEEN AFFECTED TREMENDOUSLY BY THESE COMMENTS in pursuant of 15 U.S. Code 1681 - Congressional findings and statement of purpose Under 1691. ( 3 ) equifax assumed a role without my consent 1681. ( 4 ) reads There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX HAS NOT EXERCISED THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, NOR WITH RESPECT TO MY PRIVACY. 
( FACT ) NEVER GAVE PERMISSIBLE PURPOSSES UNDER 15 U.S CODE 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

ALSO XXXX XXXX XXXX XXXX XXXX IS REPORTING TO MY ACCOUNT TWO DIFFERENT WAYS ONE IS POSTIVE FOR ALL PAYMENTS MADE WHERE THE OTHER READS LATE ON ALL THE PAYMENTS CAN YOU REMOVE PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours
State: FL

Complaint narrative:
Support is unhelpful in simpy explaining anything. They only copy and paste things that say " Sorry '' and " We understand ''. If you truly understood, you would answer simple questions. I need results not sympathy. i went up the chain of command with NO results and the same XXXX answers. Might as well just say I DONT KNOW and stop wasting everyone 's time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent Equifax a dispute on XXXX XXXX regarding accounts that are reporting on my credit file as a violation. I asked them to send me proof that they had the right to report a lates payments on my file, and to send me the information that they can legally do this according to the FCRA. This is illegal. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Complaint against Wells Fargo Bank Claim no. XXXX On XX/XX/XXXX {$1000.00} was removed from my account, without my knowledge or authorization I immediately contacted the bank and they looked into the matter. I received a letter from Wells Fargo stating the transaction was made by me or someone I know. 

Attached is a receipt of my last transaction on the same day in question showing I deposited monies into my account to cover my rent, I have asked the bank for assistance to have footage sent to my local law enforcement or myself, I have been a customer with Wells Fargo since XXXX and nothing like this has never happened. I need this info, to pursue charges on whoever the person or persons are who would do this. ( XXXX ) XXXX sincerely, 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 2022-08-12 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: UT

Complaint narrative:
I disputed XXXX XXXX and XXXX with XXXX, XXXX and TransUnion with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police 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 2022-08-12 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: UT

Complaint narrative:
I disputed XXXX XXXX and XXXX with XXXX, equifax and XXXX with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: UT

Complaint narrative:
I disputed XXXX XXXX and XXXX with Experian, XXXX and XXXX with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police 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 2022-08-12 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: CA

Complaint narrative:
These Bureau 's continue to report unvalidated information on my credit report. Ive requested numerous times that this debt from XXXX XXXX be deleted from my consumer report due to lack of validation and proof that it was authorized by myself. I've even reached out to XXXX and there has been no response back. My next step is to file a civil suit against this bureau due to their lack of following the law and procedure. This action violates FCRA SEC 623, and is defamation and willful injury. I called and one of the reps was very rude to me. Another rep hung up in my face after asking the process of how these accounts are validated before they are placed on our consumer report. The rep pretty much said there is no PROOF required and its the company 's word against the consumer. Which is odd, so the consumer has to submit proof that its not theirs but the company submitting is not required to send contract binding proof that this alleged negative account belongs to the consumer. This sounds like ill will and character assassination in my opinion.How is this accurate and fair reporting if the accounts are not investigated before communication with the consumer or proof of a binding contract from the company submitting the information, and how is this permissible seeing that I am not in any consumer credit transaction with your company. Please explain this.Per 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. Per 15 U.S.Code 1681c-2 ( a ) with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with XXXX XXXX is not relating to any transaction by myself, XXXX XXXX and XXXX are required to place a block on my consumer report on the information associated with XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. I've submitted an identity theft report along with a police report explaining how I did not authorize this account to be opened and that this unauthorized account is still being reported on my consumer report. As the consumer I'm entitled to know how these accounts are verified and Experian and XXXX refusal to cooperate is unacceptable and goes against my consumer rights under FCRA.

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 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2022, I contacted a shoe seller on XXXX to purchase 4 pairs of shoes for a total of {$1500.00}. One transaction was with XXXX for {$750.00} and the other transaction was with XXXX XXXX for {$750.00}. Both of these payments were sent on XX/XX/2022. Everything about him seemed legit so I sent him the money and he provided me with a fake tracking number and never sent the shoes to me. I tried to ask him to send me my money back and of course he wouldnt. So I contacted Wells Fargo which is the bank that is connected to my XXXX and XXXX XXXX. I opened claims and they said they could not refund me because the transactions were authorized. They never even allowed me to show my proof regarding the scam. I have screen shots of the messages on XXXX  between me and the scammer showing that he scammed me. I also have proof that the tracking number he sent is fake. It is XXXX. I tried contacting XXXX and XXXX but they said I had to contact my bank for a refund. However, Wells Fargo did not help at all. I am extremely upset and am looking for a refund.

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 2022-08-12 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:
The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.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 2022-08-12 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:
The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.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 2022-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX allowed a credit card for XXXX XXXX to go through in my name in the amount of {$830.00} back in XXXX of XXXX i already reported this issue in XXXX when I found this on my credit report im trying to take care of my credit report due to buying a house and can not due to this account being on there and I did not give the ok for this to go through i have never tried for this credit card nor did i approve for them to pull my credit to approve this amount.

Company response to consumer: Closed with explanation