vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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

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 2022-04-13 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: MO

Complaint narrative:
According to the FCRA, this inaccurate and unverified address must be removed asap from my credit report. XXXX XXXX XXXX I do not live at and I don't want my mail going to someone else with all the fraud that is going on right now. 
XXXX refuse to remove XXXX XXXX a employer I never worked for the other bureaus has

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 2022-04-13 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 the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XX/XX/XXXX 11. XXXX  XXXX  XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was contacted by a " friend '', XXXX XXXX, on XXXX and he asked if I saw his post that you could earn money. He told me to contact XXXX and she would help me to earn money. I contacted a mutual friend and he confirmed this opportunity was real. XXXX asked me to send {$1000.00} via XXXX ( XX/XX/22 ) which I did and she said let 's continue talking via XXXX. Next she said congrats you can withdraw the money but first I needed to join XXXX I created an account and then they started sending emails. At this point I saw money they deposited to my account, {$1000.00} and they sent a code to my email but it didn't work. I contacted XXXX and she told me I needed to send {$1500.00} in order to get my money out and this would put me on a higher " level ''. I talked to my friends and they confirmed this was " so real ''. I'm thinking this really is my friends and didn't realize my friends had been hacked. Since the code didn't work, XXXX told me to go an ATM and send the money through XXXX. The machine didn't work so a friend helped me by letting me deposit into his account and then send the {$1500.00} through his XXXX Then I called my friend XXXX through XXXX and found out it was NOT him and that several of his friends went through the same thing. I continued to receive texts to send more money but I did not send any more. I realize now that because I need money it was easy form them to play on my emotions.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 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 2022-04-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NJ

Complaint narrative:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ 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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I asked Aragon Agency inc. to send me the trilateral agreement I had with them. They said they didnt have one. I am reuqesting I be sent trilateral agreement I have to do business with Aragon 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I was originally requested by my former partner, XXXX XXXX, to be a co-sign for a loan on a used XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I never went to the dealership, the deal was made between XXXX XXXX and the salesman, XXXX XXXX ( still employed there ). XXXX XXXX knew the truck was for XXXX XXXX and I was, in no way, going to be in possession or driving the vehicle. Mid-way through their dealings, I received a phone call, requesting my ID information for credit check and told it would be " better '' if the truck were in my name, solely. I advised I was requested to be a cosign on the loan, and that was my intention. A few hours later, XXXX XXXX and XXXX XXXX returned to my home ( in a different county ) with purchase paperwork, asking for my signature on all documents. XXXX XXXX was already in possession of the vehicle. The sale was complete as vehicle sale to me, solely. The financing was completed through GM Financial, and represented as a purchase by me and that the vehicle would be in my possession. XXXX XXXX had been making the payments on the truck up until about 30 days ago He has since refused to continue making payments. He is also blocking my attempts to recover the vehicle. However, as I have researched avenues to address this matter, it has been brought to my attention that this was a " straw purchase ''. The sale was fraudulently made by the dealership, knowing I was not to be the owner or driver of the vehicle. It was further misrepresented to GM Financial, who did not do their due diligence, either. Last, but not least, the sale was completed off-site from the dealership, at my residence, which was in a different county than the dealership was located.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2022 I had all of my credit cards/ debit cards stolen from my wallet. I was at a park in XXXX XXXX with my fianc and children when our car was broken into and the thief went through my purse and took out all of my cards from my wallet. Purse was behind passenger seat and our car windows are very dark limo tinted so you can not see anything inside. Car doors were locked. 
I received a text from Chime bank on our drive home that asked if I was trying to make a charge of {$500.00} at a XXXX  in XXXX, I immediately replied no and the transaction was denied. I looked into my purse and saw my wallet still there so didn't think much more of it until I got home and looked online to see the thief did make a transaction for {$280.00} at the XXXX. I grabbed my wallet to get card out and call Chime right away and I realized ALL of my cards were stolen. I cancelled all cards immediately and was told by Chime that I had to wait until the transaction was settled before I could file a fraud claim. When I called to file fraud claim, I was asked a few questions and within an hour I received a response that my claim was DENIED. I was in shock and called back, they told me they didn't know why and I would have to wait for the investigation department to release that information so I could appeal decision. I waited for over a week and got no answer so I called again and they told me the person before didn't submit the ticket so they started over!! WOW. At this point, it's been over 2 weeks with no resolution. Finally last night I receive the reasoning and it makes no sense. My Chime card along with 5 other cards were stolen! I have never had this happen before and never filed a dispute with them. I have a police report filed as well. Chime has had the absolute worst customer service and I have already started getting my direct deposits into another bank account because I can't trust them with my money. No other company has given me such a hard time. Chime is acting as if I'M the criminal and they haven't backed me up at all. It's been such a hassle and I would never recommend anyone use this bank, your money is simply NOT SAFE there. It's already difficult enough going through all of this and the stress of losing a lot of money, Chime has made it way more stressful. I could maybe understand if it was a habitual occurrence and I had disputed charges in the past, etc but I've NEVER done that. {$280.00} for a mother of XXXX and XXXX  XXXX  XXXX  with XXXX child is a lot of money to just be taken away like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CA

Complaint narrative:
Sent countless letters to Transunion regarding multiple debts on my credit report for correction and or proof item is mine ; Transunion never sent me anything and I believe an investigation was never performed. It also took Transunion more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.

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 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello I was scammed on cash app by someones posing as cash app I never gave them any of my secure information they still had all of my personal information and scammed me for XXXX $ Ive disputed this with cash app gave them all of the info needed they refuse to give me my money.All 3 times they tried to steal my money cash app flagged it as scam if so why was my money still taken. The cash app names where posing as cash app refund dept. The scammer is still texting me trying to scan I have also co ya yes local law enforcement Im really lost as to what to do Im a single parent I was moving the next day they took all I had and to be told I sent it to them? Is there any way this can be covered. Cash app is also a scam platform and they do not care they have not tried to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NC

Complaint narrative:
Ive disputed two collections on my credit report that shows inaccurate account status. Also, these collection companies havent verified the debt to truly be mine.

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 2022-04-13 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:
Account # 1 : XXXX XXXX XXXX  Account # XXXX Account # 2 : XXXX XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I Originally informed Early Warning services of XXXX Fraudulent & Inaccurate Accounts that is being reported on my behalf over the phone Last year on XX/XX/2021 & XX/XX/2021. These Accounts were Fraudulent and Represented a Different Name, Someone Named : XXXX. My name is XXXX. Upon Speaking with Representative XXXX Id XXXX XXXX, I Requested To dispute these Fraudulent Accounts! Unfortunately, he was Ignorant to federal law in regards to the consumer & Essentially was unable to be of any help. I was Then transferred to the Supervisor XXXX & At this Point it had exceeded 30 Days of my Original Dispute and still there Wasnt any Remedy. So i elected to have my name completely removed from their system entirely which is my Right Pursuant to USC 1681b ( e ) ( 1 ) & XXXX acted as if he was unaware of the Law & unable to grant Me My Right of Election to be removed entirely from the System He was Representing. His English Was Equivocal & he was Also unable to assist me. After the Phone call i Sent & Faxed a Letter to their Company on XX/XX/2021 Explicitly Notifying them That i was Electing to have my name and addresses Completely Removed from their system. I Elucidated that they were in Violation of Federal Law and that i would Be notifying The CFPB if they are unable to Comply with Federal LAW. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation. I Have not been Able to Extend my credit to a Plethora of Companies because of their Inability to Report Accurate & Fair information on my behalf. I Am Now Demanding that they Completely Remove my Name from their system Or I will Be Seeking {$1000.00} Per Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
Information from addresses, Names spelling credit inquiries actually credit reports

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