vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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:
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back over seas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name- XXXX  XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX  XXXX Account # XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, TRANSUNION, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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:
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back over seas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name- XXXX  XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX  XXXX Account # XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account Name- XXXX  XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to EXPERIAN, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TN

Complaint narrative:
I recently noticed several hard inquiries on my credit report that I did not authorize. I will list all unauthorized inquiries : XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 These inquiries were not authorized by me and are fraudulent.

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I tried calling them there's no answer then when I did get through with someone saying that I or someone in my household call and open up a new credit card or a car loan and I told them there's no one in my household open up credit card or car loan that we already have a credit card in a car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: MD

Complaint narrative:
After receiving a recent copy of my transunion credit report. I noticed 6 unknown & unauthorized inquiries on my report from creditors I've never heard of. I reached out to Transunion to remove these inaccurate inquiries and was told i needed to contact the creditors and that they ( the creditors ) are the only one 's who could remove them. Even if that were true, which it is not, I don't even have any contact info for the companies & it's not my job to prove them wrong but there job to make sure the information they report is right & accurate. I have no accounts with any of the creditors listed.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I Am not able to see my credit score. Before I was using XXXX but due to some reasons or mistakes committed by my bank I am unable to see my score. then I changed my bank to XXXX but still it shows my XXXX credit score. I do not agree with this if I use my credit card I try to pay my bills on time so that I can maintain a good credit score. when I opened my account in XXXX, the employee over there checked my credit bureau report which showed me some addresses in XXXX that I don't know or I have never visited there, and one MasterCard of XXXX XXXX is issued under my name worth {$86.00} or {$93.00}, but I have never made any MasterCard or never visited XXXX XXXX till date. Please help me to maintain my good credit score because it's really important to me. 
thanks

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting a charged off account on my reports that I have disputed with both the credit bureaus and directly with them. 

I sent them a disputed requesting all information and documents concerning this debt and they have not responded to me although my dispute was received. 

Per the FCRA, the consumer has the right to dispute any inaccurate and invalid information from their reports and in receipt of my dispute, the consumer reporting agency must acknowledge and conduct an investigation. 

I know for a fact that XXXX can not verify this account with the credit bureaus if they can not validate this account with me. The consumer reporting agencies are in violation of my right to dispute and have accurate accounts on my credit report and I am requesting this account is deleted from 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 explanation
Consumer complaint received 2023-03-07 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:
I have previously contacted XXXX XXXX XXXX XXXX XXXXXXXX ) to file a billing error dispute reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  ) has moved these erroneous late payments on my credit report causing my credit score to drop significantly. 

These errors are not the same across the credit reporting bureaus, and have cost me denials on gaining any type of credit, I can not even refinance my home because of this. 
XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY

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 2023-03-07 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:
I have previously contacted XXXX XXXX XXXX XXXX XXXXXXXX ) to file a billing error dispute reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX ) has moved these erroneous late payments on my credit report causing my credit score to drop significantly. 

These errors are not the same across the credit reporting bureaus, and have cost me denials on gaining any type of credit, I can not even refinance my home because of this. 
XXXX XXXX XXXX XXXX XXXX ) has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
I have attached an FTC report with a collection and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CA

Complaint narrative:
Kohls has vilated these rights In accordinace with the fair credit reporting act XXXX XXXX XXXX Kohls ) has violated my rights 15 usc 1681 Section 602 States I have the right to to privacy 15 USc 1681 Section 604 A Section 2 : 15USc 1666B These rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
( REMOVE THE LSITED ACCOUNT IMMEDIATELY OFF OF MY CREDIT REPORT DOESNT BELONG TO ME AN IS BEING REPORTED INACCURATELY! ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX  XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws.

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XX/XX/1995 XXXX XXXX of 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 2023-03-07 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: VA

Complaint narrative:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Order phone and sent back for return. They sent it back 3 times and now its on my credit I dont want the phone

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Spoke to Equifax today because all of a sudden my husband and I can't log into our accounts. I called in 2022 to freeze my credit report all information at the time was correct and updated. Now they say it is not are refusing to open my online account and are telling me I have to mail them my personal information. I believe that Equifax has been breached again. I want mine and my husband 's credit reports to our new address we have been at for XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX XXXX. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. 

Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. 

I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am permanently XXXX and this is my only income ( see attached 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  is reporting an inaccurate repossession on my credit reports. I have contacted them requesting all documents concerning this debt and they have failed to respond. 

Furthermore, they are reporting and verifying multiple inconsistencies to each credit bureau. There are XXXX different balances associated with this account, different number for the term of month, last payment dates, last active dates and open dates. If the credit bureaus all get their information from the same place, how are they all reporting very different information? 

It is the responsibility of any consumer reporting agency to report accurate information on a consumers report and it is illegal to verify and report inaccurate information. It is clear that this debt can not be verified as they have not responded to my dispute requesting all documents so I kn ow they have not done so with the credit bureaus. 

I am requesting that this account is deleted as they are in violation of the FCRA and my rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I had 6 total account at citi bank checking/savings for both my XXXX XXXX and self. One of those accounts was hacked and we noticed someone was sending XXXX and XXXX XXXX  wires from his account. Taking money out his savings placing it in the checking and continue from there. We lock the card and accounts to stop the transactions, the bank supposedly open a case to investigate. Advice that we closed those account and open new ones to be able to transfer his money. We did all as advice. At that point I was locked out my online banking. I went back to the branch to get this fixed and this is where they told me they could no longer do bussiness with me do to a 2 checks deposit with no funds to the checking account we had already closed. Not only this didnt make any sense but they was now holding all my funds, and my XXXX XXXX accounts. But they was not even giving me the option to open a next account. I spend hours on the phone trying to get some answers, requesting call back from manager or supervisor that can explain the why I was being banned from the bank or who was I going to be able to get my funds ( 4days later now no call back ), went to the branch a few times they try calling on their end all they was getting is they was not to do business with me. I end up making an appt with the branch manager after explaining and the other clerks involved vouching for me she was able to release some of the funds but still her client service was telling them not to do business with me nor open new accounts nor anything. I keep calling no one on their customer service was understanding my point all they keep talking was about the checks I do not know where from, they not talking about day before this I had reported this fraud, nor they acknowledging I was the victim here and they was victimizing me even more by holding my money that was not even in the accounts with the issue. And that no one could help me or call me back to give me any answers. Attached are some of the emails we still gettign on an account thats been close still hackers accessing it and making transactions. And the ones we was noticing and the reason why we made the report on the first place and they still allowed this hackers to keep going in the account. How is that our fault as clients?

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