vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: GA

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. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.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 explanation
Consumer complaint received 2023-01-24 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-24 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NY

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. Account name 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 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 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. TRANSUNION has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.

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 2023-01-24 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: Nelnet, Inc.
State: MS

Complaint narrative:
I did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
After receiving a bill, I initiated a dispute on XX/XX/22 for a charge at a hotel I did not make. Then, I received another letter that included a late fee. I was told to pay the amount because it would be reported to the credit Bureau as late if I didnt pay the amount owed while in dispute. I didnt want my credit to be affected so I paid the amount. I have been in communication with Citi XXXX and most recently I received a letter stating that I cancelled with the merchant and they refused to issue a refund and closed the dispute. The charge was made in NM and the proof the merchant provided is not my name or signature. I have not received a refund for the amount paid or the late fee. I paid {$180.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I had a loan with Westlake Financial for a XXXX XXXX XXXX. They offered to settle the balance ( in writing ) for {$9700.00} if paid within 14 days from the date of the letter ( XX/XX/XXXX ). They did not mention the vehicle was still subject to repossession before that date. Never the less on XX/XX/XXXX the vehicle was repossessed at about XXXXXXXX XXXX XXXXXXXX. I called to find out why and received no satisfactory answer. Instead I was told i need to pay {$12000.00} inclusive of a repo fee. My father paid them {$12000.00} the morning of XX/XX/XXXX with anticipation of retrieving the vehicle that night per a conversation with XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in which he said they would send a release of lien within two hours. No Release of lien was sent Friday and the earliest appointment the XXXX XXXX had was Monday XX/XX/XXXX at XXXX. I waited until Monday at XXXX XXXX, went to retrieve the vehicle because XXXX XXXX said the release had been sent. I waited multiple hours until it was too late for the repo lot to release the car. I made multiple calls to XXXX XXXX wo affirmed the release had been sent at XXXXXXXX XXXX but since Friday it appears the release process has been an issue for all customers. Long story short the release still was sent and when asking to speak to a supervisor i was told it would be the same answer. My father told them with as many customers as he implies were affected the same way due to a purported system issue there has to be something that can be done. it fell on deaf ears.

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 2023-01-24 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: MS

Complaint narrative:
I did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.

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 2023-01-24 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: MS

Complaint narrative:
I did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: MS

Complaint narrative:
I did not give my consent for them to report late payments to the credit bureaus. Also, my privacy was violated by doing this.

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 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: RI

Complaint narrative:
Hello, One day I check my credit report and notice I had two medical bills in collections. So, I call them and see if I can give my insurance information to them, but they said that my medical denied paying them because they were not reported with in the year XXXX give to report a claim and that I would have to be on a payment plan and that it's my reasonable to pay them back. So, I called my insurance to see what I can do to handle this because I'm on a low-income medical plan thru XXXX and that I don't have the money to pay them back. My insurance said it was against the law to ask me to set up a payment plan because of the plan I'm on. Also, that should not be receiving any medical bills, so they gave me your number to contact you to help me handle this and get it out of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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:
I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-24 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
5 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 XXXXXXXX Balance : {$0.00} 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 2023-01-24 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: DE

Complaint narrative:
I have reached out to XXXX a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX XXXX IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXXXXXX # 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have reached out to XXXX a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX XXXX IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXXXXXX # 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 2023-01-24 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: HI

Complaint narrative:
Experian has not removed scores of invalid, unauthorized information that has a material impact.. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & amp ; settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.

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 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Payments received by Cardinal Financial and has not applied it to the payments. Still reflecting Im behind over {$7000.00} when the payments were sent. Cardinal Financial has denied receiving the payment since XXXX XX/XX/2022. They asked for the payment check number and still applied the amount. The checks were cashed. check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$5500.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} These payments were for XX/XX/XXXX, XX/XX/XXXX and the rear amount. 
Its frustrating when this has been going on for months and all the while the payments were received by a mortgage business. 
They responded to previous complaints as if I was harassing them, when in fact they have not applied the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
During the short period of time I had my checking account with Wells Fargo I believe that I was unfairly charged over draft fees amd t hat my account was unfairly closed and that I was not reimbursed the little bit of money left in my account when the company closed it.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Multiple overdraft fees after being charged for not having enough in the main 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 2023-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I never applied for a Bank of America credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These XXXX and Equifax have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. XXXX as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on Experian and XXXX date of last payment is not correct on Experian credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to Experian and XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-01-24 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX MO XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; 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