vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 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: TX

Complaint narrative:
XXXX XXXX added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my Experian and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.

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 2022-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I paid cash ( {$19.00} ) for a pair of shoes at XXXX XXXX in XXXX, Oregon on XX/XX/2022. My account at the store is XXXX since I paid directly for the shoes. The cashier signed me up for a in-store credit card to give me a discount on the shoes. 

A month later I got a bill for a {$20.00} late fee for an " unpaid interest charge {$2.00}. This was very confusing since I had already paid for the shoes at the store. I paid the {$20.00} late fee then closed the account. The following month I got another bill for {$41.00} in late fees. I have been getting daily calls from Comenity Bank regarding this bill. I have tried blocking the robo calls, but they continue from numbers indicating " No Caller ID ''. 

I wrote to the XXXX XXXX XXXX  about this, suspecting it was a scam/fraud. Today I received a bill for {$120.00} for late fees on a XXXX balance. The bill for {$120.00} included a statement, " As you requested, we have closed your credit card account. A monthly billing statement will be sent until the balance is paid in full. '' I did learn from the XXXX XXXX XXXX that Comenity Bank is not accredited by them and they can not resolve my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18 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: IL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE. THEY TOLD ME THEY WOULD CORRECT THIS PROBLEM AND IT'S BEEN MONTHS. THEY ARE STILL REPORTING DAMAGING INFORMATION ON MY 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 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants credit guide company sent me mail stating I have debt from XXXX XXXX immediate care. Debt of {$400.00} is owed which is false. I have emails and text proof from the hospital stating I only owe {$250.00}. Im confused as to how I have been getting one notification a month from them stating the same amount is due. Yet somehow all of a sudden your company is claiming I owe {$400.00}. I can not afford to pay right now I have quit my job from being harassed by my boss and will pay when I am able and have a new job. I do not appreciate constantly receiving phone calls from multiple different numbers ( maybe 4/5 ) per day, as well as mail. Stop trying to scam me for more money. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: ME

Complaint narrative:
I received a bill from XXXX XXXX XXXX for a debt from XXXX XXXX XXXX of which I have never heard of telling me to submit a bogus payment of {$2300.00} from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681section 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 2022-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I had an issue with American Express Serve and Bluebird closing my accounts, they agreed to sent me checks for the remaining balances of {$140.00}. Its been over 50 days and I still havent received the checks. They sent the checks to an old address even after I sent them two letters demanding payment with my new address in the top left hand corner. There customer service phone number is a joke and mailing to a XXXX XXXX is the only option to communicate with them. If this doesnt get resolved I will be filing a Federal Class Action Lawsuit on behalf of all Serve and Bluebird past and current customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 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: OneMain Finance Corporation
State: WV

Complaint narrative:
15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: MO

Complaint narrative:
TransUnion is Criminally liable for willfully and knowingly committing a violation ( 15 U.S. Code 1611 ) in publishing XXXX XXXXXXXX and XXXX late payments on my consumer report. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to XXXX XXXX XXXX XXXX XXXX XXXX transactions or experiences between me the consumer and the person making the report. XXXX XXXX and XXXX  is the person making the report. My transactions are my payment history for an alleged debt. See definitions. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX  XXXX and XXXX may not, directly or through any affiliate, disclose to a nonaffiliated third party, that is TransUnion any nonpublic personal information, unless XXXX XXXX and XXXX provides or has provided me a notice that complies with section 6803 of this title. I did not receive a notice from XXXX  XXXX and XXXX, regarding disclosure of my information to TransUnion. 
15 U.S. Code 1681  ( a ), As determined by Congress, TransUnion is violating the accuracy and fairness of credit reporting of my information. TransUnion is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy. 
Due to TransUnion negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this has done harm to me and my Family. XXXX XXXX and XXXX has no standing to report a late payment to TransUnion, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by Congress.

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 2022-12-18 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: MD

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had fraud on my account, my bank is wells Fargo, i received information about my card being used without my permission so I logged in, looked through my statement and found fraud on my account so I opened a claim. i filed the claim on XX/XX/XXXX over 10 days had passed and the temporary credit wasn't posted to my account like wells Fargo claims they do so I just let it roll through, then my claimed was denied saying that all the transactions were valid because my pin ( personal identification number ) was used. I called wells Fargo and had to explain to them that I hadn't used my card and the person who was helping me kept saying that the research proved I was the one using it, then he said that I had given this person permission to use my card to make these purchases and that the bank wasn't responsible for returning my money the total amount on this claim is XXXX, then I had to file 2 more claims that instantly got denied the following day after filing them so here I am taking the next steps having to use cfpb to file a complaint hoping to get my money back because wells Fargo wont take responsibility for fraud on my account. and the employee who was on my call wasn't listening to me hung up on me because I kept saying that there was fraud on my account and it was their responsibility to take this further and return my money. then I had to further explain that after i did my own research to see what was used not every transaction was used in a store that some were used online where my pin ( personal identification number ) wasn't necessary so how could all the transactions be verified by my pin and his response was still they are not responsible.

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 2022-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: FL

Complaint narrative:
I don't know who this company is, as they won't answer the letter you have on your website to send XXXX. I don't owe this company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

XXXX5 U.S.C 1681section 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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681section 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 2022-12-18 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:
On XX/XX/2022, I noticed on my Experian Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to Experian in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on Experian web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

XXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and XXXX information are certainly not the same as Experian, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, Experian, XXXX, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.

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 2022-12-18 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 has reported I owe them money in the amount of $ XXXX.I do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI 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 2022-12-18 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: MD

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-12-18 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: FIRST PORTFOLIO SERVICING INC
State: WV

Complaint narrative:
15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have a credit card on my account that is not mines LVNV funding and Penn credit which is XXXX I was XXXX  from XX/XX/XXXX and I did not get out of XXXX  until XX/XX/XXXX and I have proof of address and my court paperwork I want those things remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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