vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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: GA

Complaint narrative:
On XX/XX/2022 I filed a dispute with all three bureaus : Experian, XXXX XXXX and XXXX involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am the victim of Bank Employee Impersonation Fraud. On XX/XX/2022, I was contacted by someone impersonating a Wells Fargo employee. This person communicated to me that my account had been hacked and subsequently successfully stole nearly {$23000.00} from my business account via a wire transfer. Although Wells Fargo has indicated that I am a victim of fraud and has cited multiple reason why that answer is justified. They have refused to give me my money back. This is unacceptable and must be looked into. This money belongs to XXXX XXXX XXXX and will be used for XXXX  in the XXXX. I have responded to every request that Wells Fargo has made, including sending a copy of my text messages.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received PayPal Credit Statement by USPS Certified Mail ( actually 2 separate mailings of the exact same statement ) on XX/XX/XXXX for payment due on XX/XX/XXXX. I never opened a PayPal credit card thru Synchrony Bank, XXXX XXXX XXXX, XXXX, Florida XXXX. Balance of {$5000.00} for deposits in XXXX, XXXX, XXXX, transfers to XXXX unknowns, XXXX gift cards, XXXX charges dated XX/XX/XXXX - XX/XX/XXXX. I went on line for legitimate phone numbers for Synchrony and the automated system did not acknowledge the account number on the statement but referred me to get correct number to call for the credit card that I do not have. Also the duplicate statements received are not aligned properly, with wording running off the edge of the statement, which tells me this is fraudulent. 
I use PayPal for on line purchases and pay thru my checking or existing credit card and always received a confirmation email from PayPal. 
I will appreciate if you can sort out this Issue for me. 

Thank you 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 2022-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Billing concerns, emails I received from Bridgecrest over a 3 day span. XXXX. Amounts in attachments show incorrect and inaccurate. changes made due to retaliation for complaints on company standards and practices

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 2022-11-03 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: CA

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 XXXX Account number XXXX Account name : CHILD SUPPORT NEBRASKA Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX  Account name : XXXX XXXX XXXX Account number 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 2022-11-03 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: IL

Complaint narrative:
I have filed a FTC Report several times regarding this matter. These items were blocked and removed for years now has re appeared, My new FTC Compliant # is XXXX I will be attaching report XXXX Account XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc.
State: CA

Complaint narrative:
On XX/XX/2021, a construction company installed a sunroom without a permit ( permit is included in the contract with homeowner ) and informed the financial institution that it was completed. The financial institution disbursed the funds ( $ XXXX ) without confirmation from the homeowner. The XXXX insti. sent an email/notice to the homeowner that the funds was disbursed for completion of the project. 
The homeowner informed the financial inst. that the project wasn't completed due to failure to obtain permit. And asked what is their process in place before disbursing the funds. Financial inst. declined to respond via email. 
XXXX spoke to XXXX inst. over the phone and was told that " as long as the project was installed, funds will be disbursed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a chase credit cared that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to XXXX  when it was paid off XXXXXXXX XXXX the acct is over XXXX XXXX XXXX since first day of being late but chase and the credit burue will not remove the acct from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Sent card not wanted and did not activate called the card customer service demanded to remove the bill for it, now I'm following up with identity theft to complete close and resolve this error.Thank you XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. 
I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. 
if this can't be provided then I request the collection be taking off my account or I will take legal actions

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 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFJ Systems, Inc.
State: TX

Complaint narrative:
Although I paid a correct amount offered in writing by the Collections Co. named AFJ Systems to settle or resolve a dispute on behalf of its Client, AFJ Systems wrongly provided false info to potential creditors that the correct amount wasn't paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I opened an account for a credit card with XXXX XXXX, my card defaulted and I paid off my debt as a result. XXXX XXXX sold my account to Portfolio Recovery and despite me having paid off my debt, aggressively pursued double the amount I owed. They harassed me via telephone, email, and mail ; and have yet to prove I owe them ; because I do not. When I disputed this debt with XXXX, XXXX, and XXXX, they investigated but found no conclusive evidence to make a determination. As a result I continue to received unsolicited mail from this company and my credit report has yet to remove the unproven debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank Credit card XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016 Late payments on credit card 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : States consumer reporting agencies can not furnish an account without my written instructions 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed that i have fraudulent information that appears on my credit report that is a result from me being a victim of identity theft. someone opened an account with a company name ( 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 2022-11-04 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: CA

Complaint narrative:
I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXXt Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
Hello, Im having issues with FedLoan and XXXX. My loans are paid in full and I made payments from XX/XX/XXXX- XX/XX/XXXX, Im eligible for a refund under CARES Act. I requested a refund on XX/XX/XXXX with FedLoan. I followed up in XXXX and same story, its processing and can take anywhere from 2 weeks to 2 months. Sometime in XXXX I found out my loans were transferred to XXXX. FedLoan resubmitted refund request. Its now XXXX and XXXX has yet to receive my account info from FedLoan. This is very frustrating. Loan providers go to the extreme when requesting payment, but when it comes to a refund, they find every excuse on why its taking so long. Please handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IL

Complaint narrative:
I had a XXXX XXXX XXXX  that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to XXXX  when it was paid off XXXXXXXX XXXX  the acct is over XXXX XXXX XXXX since first day of being late but XXXX  and the credit burue will not remove the acct from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IL

Complaint narrative:
I had a XXXX  credit cared that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to 2018 when it was paid off XXXX percent. the acct is over 7 years old since first day of being late but XXXX  and the credit burue will not remove the acct from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have tried to dispute a bankruptcy that is on my report at all 3 bureaus. I have disputed XXXX  XXXX which shows dismissed as not mine. XXXX is the only bureau that removed it from my report. XXXX and Transunion are refusing to remove it no matter how many times I have disputed it. Please assist in the removing this dismissed bankruptcy XXXX  XXXX from my reports..

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
In according with the federal credit reporting act, this crederel has violated my rights under 15usc 2681 section 602 states I have the right to privacy. 15usc 1681 section 604A section 2 also states that consumers reporting agencies can not furnished an account without my written instructions. Under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: LEXISNEXIS
State: SC

Complaint narrative:
I reached out to Lexis NEXIS concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to XXXX, XXXX and XXXX further more I learned that they are still housing the XXXX XXXX XXXX in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.

Company response to consumer: Closed with explanation