vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc.
State: FL

Complaint narrative:
Where do I begin with this Company. First let me say within the past 2 years I've deposited almost XXXX in wages to my account. Every single time I have a problem they make it even worse and even more stressful. I recently called to file a dispute for a copious of unauthorized charges made on my card. Today XX/XX/2022 I called customer service 4 times back to back to get a tracking number for my card which I paid to be shipped overnight, just to be hung up on. With no returned phone call. They ask for a callback number each time you call. For what?! All 4 reps did the same thing hung up and didn't bother calling back! These calls are supposed to be recorded, correct? I hope ADP by Wisely check on their customer service reps because they are extremely unprofessional and rude. I don't know where my card is and I have bills to pay. At this point I feel betrayed by this company. Let me say it again almost XXXX in wages in the pass 2 years. I'm considering closing my account and having my paychecks sent to my regular everyday checking account my main bank would've been rectify this issue. I cant pay for groceries, bills, gas, etc because of this dispute and waiting on my card. Today XX/XX/2022 I will be filling out and sending the statement of fraud back in for my dispute. Which ADP by Wisely should receive by XXXX XXXX no later than XX/XX/2022. There are 2 options to send in the form email and mailing it in. I will be mailing it in using XXXX XXXX with proof of delivery simply because I don't trust this company customer service. This is an extra cost that I have to come out of my savings to pay for because I have yet to receive my card with over XXXX in wages on there. I have almost XXXX in unauthorized charges on my card. Who knows when and if I will ever see that money again. I was told the dispute investigation could take up to 90 days! I asked how about provisional credit as my other bank would've gladly provided given the situation and banking history with them. I was told they cant provide provisional credit as this is a " prepaid card ''. I don't know if these customer service reps make up their own rules or if this is indeed factual. Been with ADP for about 3 years because my employer uses them for paycheck deposit. I think I will soon be severing my relationship with this bank. I'm tired of the nonchalant attitudes and condescending tones when I call in with an issue. They are unprofessional, unorganized, rude, and unsympathetic. If possible stay away from this company because they do not treat their customers like valued customers. No matter how much money deposited to ADP by Wisely card, seems like all their customers are just another number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
Wise closed my account without any explaination or request for any information to clarify whatever issue they identified. 
I was not advised of the issue I found out when trying to access my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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:
n accordance with the Fair Credit Reporting act 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 2022-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I went to Macy 's at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX on Wednesday, XX/XX/2022. I took items to check out at a register and was asked if I had a Macy 's card. I let them know that I did but I didn't have it with me. The cashier told me they could look up my account and charge it to my card. They asked for my ID, checked me out, and then after leaving I got a text message about registering my new Macy 's card. I checked the receipt and it was charged to a card with a different card number then my existing card. I did not agree to sign up for a new Macy 's card. New card ends in XXXX, my current card ends in XXXX. I attempted to register the new card, but no new card is shown on my Macy 's account. I called customer service on Thursday, XX/XX/2022, who claimed they cancelled the new card, but on Friday, XX/XX/2022, I got another text asking me to register my new card.

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 2022-05-16 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: AES/PHEAA
State: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-05-16 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: GA

Complaint narrative:
victim of identity theft ... see attachments

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 2022-05-16 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: FL

Complaint narrative:
https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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 2022-05-16 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: CT

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX, T XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A states I have the rights 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 instruction.

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 2022-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In acordance with the fair credit reporting act.expirian has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

according to the 15 U.S.C 1681 section A. states i have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  XXXX  fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  fl XXXX XXXX XXXX XXXX XXXX XXXX  fl 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 2022-05-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, # XXXX, XXXX XXXX  Account # XXXX, # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # 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 my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
In XX/XX/2022, Lexis Nexis verified inaccurate public information of bankruptcy on my consumer report. Lexis Nexis indicated that their company deleted this information effective XX/XX/2022, followed by stating they would mail a resolution notice verifying their action of deleting this information. On XX/XX/XXXX. 2022 I again requested a copy of this notice for my records informing Lexis Nexis that no notice had ever been mailed. Lexis Nexis agreed to resend the notice and complete a manual dispute of this info with all 3 credit bureaus. To date I have not received any notice of this deletion as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: FL

Complaint narrative:
https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-05-16 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:
https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act 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 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 2022-05-16 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: KS

Complaint narrative:
Subject : XXXX XXXX Account # : XXXX Dear Experian, In accordance with the Fair Credit Reporting Act XXXX XXXX Account # : XXXX, has violated my rights Account name : XXXX  Account # : XXXX 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is XXXX XXXX again! I have same issue, Transunion Credit company has some problem with my credit reporting, I have had issues with XXXX but they have fixed, not utility bill which was negative in my TU report, removed in XX/XX/2022, still my score is not balanced, more than one year car loan installment paid on time, still when I applied, TU shows " Lack of mortgage, or loan of large amount '', score decrease quickly, but XXXX does not, I understand I have had inquiries but my payment history extremely excellent, they do discriminate based my background, XXXX increasing my score significantly but TU does not, there is no negative account in my history, TU must have to answer my questions. They also do not enter my PAID OFF account as positive account or as PAID in FULL. They track increasing credit balance but never react on decrease balances, they attract lenders so they can use their TU reports more than XXXX or XXXX. I am very much disappointed. CFPB must take stern action against Transunion

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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I have been working with a client to try and get a loan modification for about a year and a half and the company ( XXXX  ) has confirmed receiving documents and then retract the confirmation a few days later. They have asked documents that were already in their system and was confirmed to had been in their system by multiple representatives. They have requested documents that a client would only receive once a year monthly claiming the document expired and was needed with a most recent date i.e. food stamps letter, divorce decree and affidavit. At one point ( XX/XX/XXXX ) I was told that the application was under review and completed with no additional documents needed only to call back on ( XX/XX/XXXX ) to be told that the application needed to be resent. There are multiple dates of interaction with this company and me sending duplicates of documentation. The latest experience was when I called XX/XX/XXXX and was told that the application was under final review and to call back the following week. I was also told all documents requested were received and the application was complete. When I called back the next week I found out the case was closed because the underwriter did not receive the requested documents. The representative looking into the file seen that there were contradicting notes and the documents were there and accepted prior to the close date. She asked me to just send in an updated Financial Form and the case would just be reopened. I did that and the documents sat in imaging for almost two weeks. When I spoke to someone else that put in a request to have the case changed to someone else and to have the file escalated. The " escalation '' representative stated that though she believes and I quote " you guys are being giving the runaround '' because she was able to confirm everything I said to her, that she has to go by what the underwriter told her and we needed to submit a new application. I asked why don't they use the application that is sitting in imaging since it is a new application. She had no answer. I have resubmitted everything and once again they claim they got the application but not supporting documents which everything was sent together. They are also requesting for the application again even though they have it and have opened a case with it. I have more dates with more issues the list continues. This has been going on for too long. We just would like to have a solution to help my client out, but we want to make sure that things are being done properly. They even force place insurance on my client when she had insurance and the documents were sent to them and I also sent them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MD

Complaint narrative:
I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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: MD

Complaint narrative:
I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  - XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation