vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a zero balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!

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 2022-04-02 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: MD

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2022-04-02 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
My credit card company says that I am {$60.00} over my credit limit and it shows a its not even a purchase it just says payment adjustment of {$100.00} when Ive called them they said oh we were where of the problem check back into 2 to 3 weeks nothing is happening at night I just dont understand according to them they say that the transaction was in XX/XX/XXXX but when I look at their website its as XX/XX/XXXX and theyre just very rude they wont explain to me what this is what it means how it became Ive been rebuilding my credit and Im very dillgent and make sure that I do not that my limit and whatever this is just popped up and theyre not seeing the same information that I see on the Internet on their system so I dont know if its fraud on there and what is going on but Id really like to see if theres a way to investigate it. My apologies for the run-on Im using talk to text

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
On XX/XX/2022, PayPal fraudulently charged my checking account instead of my credit card account. 

For many months I had automatic charges made to XXXX from PayPal using the same credit card. Without any changes taken by me, nor any notice to me, PayPal started charging my checking account instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a account without 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 2022-04-02 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Bank, 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 602 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-02 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 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 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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2022-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The account had been paid off and closed out years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Was a member of Sam 's Club, was checking out when the cashier asked me if I would like to sign up for a sams credit card and get {$100.00} toward my purchase. I said okay and she ran the credit report and didn't go through, she mentioned that they would call me I asked if the promotion would still be valid the cashier said yes, a few days later I got a call from sams club credit asking if I would like to complete the process to get the card. I had asked the person from sams club credit if the promotion was still valid and mentioned that if it was not I did not want a hard inquiry on my credit report and that I wasn't interested. She informed me that if the promotion was still valid. I said okay and then they approved me for the card. 

A few days passed and I opened the letter with the card and the promotion was not included so I called Sam 's Club credit to ask, I was informed that I was not entitled to the promotion and would have to settle for 30 dollars off my credit purchase good for the next 30 days. I was upset and cancelled the card and also cancelled my membership with sams club. I called the credit reporting agency to get the hard pull removed from my credit history. They informed me that only the credit card bank could do that. I called the credit card bank and they refused and said they couldn't do an order of deletion. 

I am asking that Sams Club Credit through Synchrony Bank be investigated along with sams club and that their hard pull from my credit 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 monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. I have attached documents from the Federal Trade Commission- NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA and the identity theft letter.

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 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Said account was paid in full when I returned equipment in person to XXXX  dealer in XXXX in XXXX. The total amount of XXXX. XXXX dollars was paid and I never received another notification stating I owed this debt until XXXX when I opened up another XXXX  account. I contacted XXXX  immediately customer service about account number XXXX XXXX when it appeared on my credit report as a derogatory collection. I spoke to someone regarding this account and have a reference number XXXX where it was settled that I returned the equipment and paid this account in full and it would not be on my credit report again. Now I have a debt collector at sunrise debt collections XXXX stating I still owe the money and it is still appearing on my credit file and credit report and it was said to be removed they State I still owe the XXXX. XXXX dollars and will not remove it from my credit 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 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Securus J Holdings, LLC
State: NJ

Complaint narrative:
This complaint is regarding Jpay LLC. The site allows you to send money to inmates at any facility and also to have video visits which are {$9.00} each. I scheduled 5 video visits totaling {$50.00} and will not be able to have them because my inmate has been moved to a facility that does not yet offer these services. I contacted Jpay to see if i could have my funds used to purchase stamps through them instead and was told that the money could only be used for video visits. No where in the disclosure does it state that in the event an inmate is relocated you can not use your monies toward something else if available. Jpay wants to keep my money instead of allowing me to apply it toward another one of their services. I am not asking to have the monies refunded, i am simply asking that the monies be used to purchase stamps. And also the representative i dealt with was extremely rude. I requested to speak with a supervisor and not only did she refuse to honor that request, she also hung up on me. Their number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act 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

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 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I opened a Wells Fargo account recently ( XX/XX/30 ) and went to the local branch to deposit my money to pay this months bills with. I asked about a card since I have a new account if they offered temporary ones or anything and they didnt. So I deposited {$400.00} and then {$1700.00}. I sent my fianc {$700.00} through XXXX as that was the only way I could access my money without a debit card. Today ( XXXX ) I go to make my monthly bill payments and my account has been drained by a XXXX XXXX XXXX XXXX XXXX for {$400.00} and {$1000.00}. I contacted the bank about the issue and was simply transferred around to different employees who expressed how they did not understand how this was possible. I finally was able to file a dispute which is said to take up to 10 days, leaving me with late fees on my rent and broke until this is resolved. How can my bank be emptied without even notifying me and how can a card be used when there was not one issued?? This is an inside scam or something I need my money back something shady has went on and I am stuck in the middle of it. I do not have an account or affiliation with any of these charges other than the 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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian has been participating in illegal credit reporting and We worked on and achieved obtaining a letter from one company, XXXXXXXX XXXX XXXX  who admitted, apologized, and sent us a letter stating this illegal, Wrongful, and damaging account is to Be Removed from the Credit reporting agencies ( Although we only Noticed it on the EXPERIAN credit report ). I uploaded Thier letter, emailed Experian, for the past three days regarding this account to be removed from my credit report and they have done nothing to FURTHER demonstrate Thier Participating Harmful And Damaging credit reporting and lowering my scores this month to over 31+ points. I want my Score restored asap, and I want them to remove XXXXXXXX XXXX XXXX from my credit report, since they even asked that it be quote, " Deleted off my credit reports & accounts '' Best regards, 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 2022-04-02 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 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

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I get text messages and recorded phone calls telling me that my CHASE BANK card is locked due to security reasons. I do not have an account at this bank and never have. 

the message reads : CASE-ID # XXXX From : CHASE-BANK. Your Card is temporarily locked due security reason. For your protection, we've limited access to your online account. To restore full access to your online experience, Please click here if.XXXX

Company response to consumer: Closed with explanation