vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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:
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. 


Personal information : Wrong name Variations ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX OTHER WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX,. My only correct address is XXXX XXXX  XXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX XXXX  XXXX XXXX # XXXX ( {$450.00} ), XXXX XXXXACCT # XXXX ( {$370.00} ), XXXX XXXX XXXX-ACCT # XXXX ( {$150.00} ), XXXX # XXXX ( {$4900.00} ), XXXX XXXX XXXX XXXX-ACCT # XXXX ( {$390.00} ), XXXX XXXX XXXX-ACCT # XXXX XXXX {$530.00} ), XXXX XXXX XXXX XXXX-ACCT # XXXX ( {$910.00} ), XXXX XXXX-ACCT # XXXX ( {$450.00} ), XXXX XXXX XXXX-ACCT # XXXX ( {$450.00} ), XXXX # XXXX ( {$450.00} ), XXXX-ACCT # XXXX ( {$210.00} ), XXXX XXXX XXXX ( {$500.00} ), 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 2023-04-12 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: MOHELA
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX, XXXX and XXXX have violated my rights. 

15 U.S. Code 1681a.2 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.

11.4K 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 and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NJ

Complaint narrative:
I purchased a NETSPEND prepaid card from XXXX. I called to activate the card and due to after hours I couldnt reach anyone and the card could not be used even though I gave XXXX my XXXX $ and now I have a card with XXXX $ on it I cant use. The company NETSPEND told me they would send me a check and somehow knew the amount, but the card was bad. For some reason Im still waiting for the check in my mail, I dont believe they were NETSPEND XXXX and I believe my phone is hacked cause the same ppl answer all the time. I need an investigator to help me. Ive had identity theft. I call the number in the card and Im always in hold and now the number on the card cant be noticed on the site. Could it be NETSPEND or THE ACT IF HACKING?

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 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Well, I pay during COVID-19. My car was repossessed like three times and I paid each time like {$1000.00} to get it back because they actually told me there is a COVID-19 forgiving program that because I wasnt working that I will have three months that I wouldnt have to XXXX and then out of nowhere to ask me for three months worth of payment and I always been behind. Ill try to keep up, but then they said I old them a lot of money and they closed out 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 2023-04-12 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: CA

Complaint narrative:
I have been communicating with the credit bureaus and providing all required documents and they have not complied properly with me and have not removed these fraudulent accounts. I am a victim of Identity theft.

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 2023-04-12 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: CA

Complaint narrative:
I have been communicating with the credit bureaus and providing all required documents and they have not complied properly with me and have not removed these fraudulent accounts. I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

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 2023-04-12 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: CA

Complaint narrative:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Hello XXXX capital sent me a notice of garnishment of my paycheck. That's the only notice I received for an old account with XXXX XXXX. I did reply to them I left messages as well mailed and faxed over to response 2 days later. I also called back and asked of they received my fax. They said yes someone will contact you. Months went my no reply. Them in XX/XX/2023 I get another letter stating garnishment will start. I called the them on Monday XX/XX/XXXX I believe amd they told me I have to pay this I have no choice but to pay this or the garnishment will move forward. the rep was demanding that I have to pay unless I want my pay garnish I have no choice buy to pay this. So I paid it because I didn't want my job knowing my business nor monies deducted. So my hands were tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-04-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-12 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: TX

Complaint narrative:
I filed identity theft XXXX when tryin to by a home things came up I have sent dispute letter to credit bureaus with no response XXXX will be 30 days Address I never lived before XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived here and never live in my life 2 of the address where my sister old addresses Accounts tht are not mines XXXX XXXXXXXX XXXX this account was paid in full XXXX XXXX XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXX not mines XXXX XXXX XXXX not mines XXXX this was closed n paid please remove XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines I have wrote the credit bureau XXXX disputing all these items and I havent gotten a response.

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 2023-04-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I sold annuity payments to XXXX  this is my 5th time doing so using my former bank. I am now banking with Chase bank I went to chase bank in person to cash my check in the amount of {$2600.00} and make a deposit the teller gave me a number to the frauds department. They said there is no public record phone number for XXXX so chase bank is considering the check to be fraud it's been a week since I went to cash my check the steps I have taken to resolve the issues are I've called and talked to them until I'm blue in the face I've spoken to XXXX and explained what is happening what they have said is they don't understand why because the check has been cleared chase bank customer service says even if the check is cleared I will not get the money I set up a meeting with a banker at chase bank with a banker to provide a certified contract for this loan and past contracts and court approval documents that prove this is not fraud and they still won't release my money I feel that chase bank is discriminating against me because I'm XXXX they must think I don't know what I am doing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: MOHELA
State: AZ

Complaint narrative:
Mohela dept of edu has my accounts on credit report with reporting. I spoke to the company and they said Im current until XX/XX/XXXX. My credit is showing delinquent, they are not will to assist with letter showing good standing. 
Im a single mom trying to buy a house and this effecting me getting approved for any kind of house. 
Dates XX/XX/XXXX good standing and delinquent. Several accounts that contradict one another. Reached out to the company and they were not willing to help me. 
Thank you for your time, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXXXXXX XXXX has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX XXXX XXXX ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXXXXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX XXXX  Date of First Delinquency : XXXX, XXXX Last Reported : 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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have request multiple time from Chime customer service of settled check images. The checks were issued to XXXX for premium payment which XXXX indicates they didn't receive the checks as payment. I have requested over XXXX times and approximately 50 email asking for settled check images. The checks dated checks dated XX/XX/XXXX & XXXX and both have settled. I need these images as proof that XXXX has received and cashed checks issued. 

The original customer service call suggested i contact XXXX to handle my request which i did. 

Note the account with Chime Inc has been closed. It seems my request for the settled check images have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act Capital One 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 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster & Garbus, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter. 

They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX neglectfully let someone open an account under my name and rack up a large bill. There was ZERO attempt to contact me and I knew nothing about it until a I saw this was sent to a collection firm ( which lied claiming they sent a letter to me ). While I was the victim of XXXX 's negligence in verifying their actual customer, I went through the time/effort of filling out the forms on XXXX XXXX website and they agreed it was fraud. The collections agency stopped collections too. I made complaints against both firms at that time and you can see that under my history here. Now starting last week I starting getting calls from yet ANOTHER collections agency ( AFNI Collections ) on behalf of XXXX XXXX XXXX XXXX AFNI informed me that I still owe XXXX XXXX XXXX {$1000.00}. I call on the CFPB to do everything they can to punish these firms that make my life miserable, when I have zero involvement in their negligence. I implore you to look into this case specifically as this is clearly illegal to continue to attempt to collect money form someone who was the victim of that firms negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There was a police report filed on XX/XX/2019 reporting the scam. Person had access to my bank account at the time. Report XXXX. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/2023 my account through NetSpend was closed. I was not told why and the remaining money was supposed to be refunded to me in a check sent to my address. I inform them XXXX different times that my address had changed and tried to give them my address. I called them tonight on XX/XX/2023 to see what the tech was cuz I had not received it yet. The customer service representative informed me that due to security reasons they could not change my address to have this check sent to me therefore I don't get my money.

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