vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing this letter to Dispute a recent credit report listing on my accounts, which i believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit Reporting act all these Creditors violated my rights 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 16666B : A creditor may not treat a payment on a credit card acct under an open end consumer credit plan late for purpose I kindly request that you Conduct a reinvestigation of the Disputed Information and remove the inaccurate listing from my credit report as soon a possible. if the information can not be verified the accuracy of the information it must be removed from my credit report in accordance with Section 1681i of the FCRA 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 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-04 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: NY

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: FL

Complaint narrative:
Dear Customer Financial Protection Bureau I am writing to file a formal complaint against Wise Payments Limited regarding the unjust closure of my account without providing any valid reason or justification. I am seeking assistance and intervention from the Customer Financial Protection Bureau in resolving this matter. 

On XX/XX/2023, I attempted to log into the Wise Payments Limited platform and was met with a notification stating that my account had been deactivated. To my dismay, the notification did not provide any explanation as to why this action was taken, leaving me in a state of confusion and frustration. Furthermore, it stated that I could file an appeal, but the system prevented me from submitting any information or details for the appeal process. 

As a loyal customer of Wise Payments Limited, I have always adhered to the terms and conditions outlined in the agreement. I have consistently utilized their services responsibly and have never engaged in any activities that violate their policies. Therefore, I find it unjust and unreasonable that my account was closed abruptly without any notice, explanation, or opportunity to address any concerns that may have led to this decision.

The lack of transparency and communication from Wise Payments Limited has resulted in significant inconvenience and potential financial loss for me. Without access to my account, I am unable to use my funds. This situation has caused immense stress and uncertainty regarding the status of my account and the funds associated with it. 

I have made numerous attempts to contact Wise Payments Limited to seek clarification and resolution, but all my efforts have been met with automated responses or non-responsive customer service representatives. Despite my persistent inquiries, I have yet to receive any substantive information or a satisfactory explanation for the closure of my account. 

I believe that Wise Payments Limited has violated my rights as a consumer by closing my account without providing a legitimate cause, denying me the opportunity to appeal, and failing to respond to my subsequent inquiries. Such actions not only disregard consumer protection regulations but also demonstrate a lack of professionalism and fair business practices. 


Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Improper use of credit reporting information. Which is against the Law.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been an authorized user on a chase freedom unlimited credit card for many years, but the card does not show up on my credit reports. I have had this card since before I was issued an SSN. After I was issued an SSN ( 11 months ago ), I made sure to update the information with Chase. I have already contacted XXXX to make sure that they were reporting the card to the credit bureaus. XXXX other cards that I have are showing up on the credit report, but they are less than 6 months old and thus I am not being issued a credit score. I wish to have this resolved ASAP so I can use my credit score to apply for a mortgage.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been an authorized user on a chase freedom unlimited credit card for many years, but the card does not show up on my credit reports. I have had this card since before I was issued an SSN. After I was issued an SSN ( 11 months ago ), I made sure to update the information with Chase. I have already contacted XXXX to make sure that they were reporting the card to the credit bureaus. XXXX other cards that I have are showing up on the credit report, but they are less than 6 months old and thus I am not being issued a credit score. I wish to have this resolved ASAP so I can use my credit score to apply for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A. State I have the rights to privacy.

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: VA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602A. State I have the rights to privacy.

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.

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 2023-06-04 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: NJ

Complaint narrative:
hello I recently checked my credit report and noticed some accounts opened fraudulently. I have contacted the ftc and my local police department the report will be attached to this document. the inquiries are listed below. these inquiries are on my report from scammers running my report. 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

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 2023-06-04 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
In According to the fair credit reporting act this creditors has violated my rights under 15 usc 1681 section 602 ( a ) states that i have the right to privacy and under 15 usc 1681 section 604 ( a ) section2 also, states a consumer reporting agency can not fervish account information without my written instructions. And us 15 code1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Billing & Collection
State: IL

Complaint narrative:
This company has non stopped called me for the past year and a half. They have left several voicemails and have been told to stop contacting me. They do not listen, this is another exhausting attempt to get these people to leave me alone they have been warned, not once not twice, but SEVERAL times.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not aware of this collection account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: NY

Complaint narrative:
Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
hello I recently checked my credit report and noticed some accounts opened fraudulently. I have contacted the ftc and my local police department the report will be attached to this document. the inquiries are listed below. these inquiries are on my report from scammers running my report. 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

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 2023-06-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
hello I recently checked my credit report and noticed some accounts opened fraudulently. I have contacted the ftc and my local police department the report will be attached to this document. the inquiries are listed below. these inquiries are on my report from scammers running my report. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: AL

Complaint narrative:
The account that shows a balance of XXXX is not my account. My loans are never XXXX. Fraudulent please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is charging {$15.00} after I paid the balance in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: The CBE Group, Inc.
State: CA

Complaint narrative:
I am unaware of any outstanding balances I owe and have had years of top credit scores. This company never contacted me about any credit issue and submitted a report to the credit agency XXXX with the following information : CBE GROUP has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CBE GROUP Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have sent XXXX, XXXX, and XXXX multiple request to reinvestigate these accounts for months : Ally Financial : # XXXX and US Dept . of EducationXXXX : # XXXX. However, they have consistently stated that everything was complete and accurate. How is that even possible when the open dates and the date of last activity are clearly incorrect and much more? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are reporting incorrectly. 15 USC 1681 Section 602 A. States, I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : Also states ; a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) 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 USC 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate. 
I have repeatedly informed the above stated agencies that the information being reported is in fact incomplete and inaccurate and must be removed.

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 2023-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RH Portfolio I, LLC
State: CA

Complaint narrative:
The week of XX/XX/XXXX, my father and I called the companys number ( XXXX ) XXXX. We settled on making a {$200.00} payment after a lot of frustrating back and forth and constantly being interrupted. My dad read the man his card information and he repeated it back to my dad. My dad confirmed that was correct, and he asked for them to send a confirmation email to my email once the transaction processed. It never went through. I never got an email. 
I have continued getting calls from this company with different representatives. A few weeks ago I kept getting multiple calls in a row saying that the loan I applied for was approved. I never applied for a loan. More recently, they have threatened to call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU 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 2023-06-04 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: NY

Complaint narrative:
Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation