vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
One Main Financial has my Dad 's social security number. They have said on the phone and accused me of giving them the wrong social security number and they are refusing to take ownership on their mistake, stating that they verify everything, yet somehow this social security number was linked with my birthday. This should not have happened. I spoke with their supervisor about this and my struggle to maintain payments and he recommended to file bankruptcy, as well as said that the issue with my Dad 's SS would be resolved. 

Since then I have continued to receive over 7 calls a week from One Main Financial, which is harassment per the law, and was advised by a bankruptcy lawyer to tell my creditors I was filing. ( I have not filed yet ). On the phone I was threatened by someone else named XXXX, after I advised them of this, who stated that they would garnish my wages and also accused me of lying about not giving them my Dad 's social and lying about the manager advising to file for bankruptcy. It was also suggested by them that bankruptcy would impede their removal of my Dad 's social security number from the loan. 

They are continuing to call me multiple times per week, around 9 times a week under different numbers. I would like them entirely abolished from my credit report. They have too much information mixed up and can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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. 

has violated my rights. Or a list of inquiries : 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of the Equifax data breach. And I would like to have the negative information deleted. I'm reaching out to you to help me get this information deleted because Equifax is doing nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
There is 4 inquiry from this company XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And I also reached out to TransUnion and they sent a request for them to remove these from my credit report and we are still waiting after a month done went by

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 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Iy had to car loans. One paid off. They still charging me for to loans. With a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have never opened or set up services with this party reporting on my credit report. I do not recognize nor did I authorize anything through this party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently discovered that my identity has been compromised, leading to these fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report the identity theft to the relevant authorities, and I am providing you with a copy of the FTC identity theft report for your records. I have also mailed a copy to Experian. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud. 

I would like to bring to your attention that my information was sold and bought illegally because I was a victim of the XXXX data breach, which has heightened my concerns about the security of my personal information. In light of this, I request that you investigate the following additional accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent in certified letters on XXXX XXXX, XXXX XXXX XXXX XXXX. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX, Experian. They refused to call back or give me any information after submitting all provided documentation as a consumer to have inaccurate information removed from my credit report. They cant validate my signature on any form nor prove supporting documentation on why they refused to remove inaccurate information for over a year with me filling several disputes, calls uploading documents through their portal on multiple occasions.

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 2024-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2024, I discovered that my XXXX XXXX XXXX  ending in XXXX was abruptly closed by Wells Fargo Bank. 

On the same date, I visited the local branch office in XXXX, Maryland and spoke with the branch banker by the name of XXXX XXXX XXXX. He told me that the XXXX XXXX XXXX was closed because I did not provide a physical address to the bank even if I have been a known customer for the past XXXX  years. 

I gave him my XXXX physical addresses ( home which they already have ) and physical business office. 

I also informed him that you do not just close an XXXX XXXX XXXX  without several customer notifications. I expressed to XXXX XXXX my concern since I had XXXX checks outstanding with the United States Department of Homeland Security which if not cleared would jeapordize the US XXXX  status of XXXX legal clients. 

XXXX XXXX escalated the matter to the next management level and I received an e-mail on XX/XX/2024 from the Wells Fargo Small Business Resolution Team. I was assigned a casse number ( Case # XXXX ). 

I contacted the Wells Fargo Business Resolution Team on XX/XX/2024 and was told that there is nothing they can do and my XXXX XXXX XXXX is permanently closed and any amounts I have in the account will be sent to me by check.

I made a strong request to atleast keep the account open and allow my XXXX checks to get paid to the United States Department of Homeland Security for rectifying the XXXX  status of my clients. The request was denied. I now have to answer to Bar Counsel as well for the callous action of Wells Fargo bank in closing the account. Wells Fargo did not care at all about placing my XXXX XXXX  clients at risk of losing legal XXXX  status in the United States.

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 2024-01-19 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. 

The accounts below have violated my rigthts 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 canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounts below

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 2024-01-19 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. 

The accounts below have violated my rigthts 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 canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounts below

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 2024-01-19 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX all of my car purchases and repairs. Emails were submitted to State Agencies and yet he is still a XXXXXXXX. He has been to my home and deliberately hit my vehicles in the rear because of an accident that occurred in XXXX that was on my policy as fault for 5 years for a driver that hit my car and left the scene and arrested. He has feelings about the jacked up repairs to my vehicle then that all cars purchased after that date has the same problems as the complaint from the XXXX accident. There were 10 car purchases. The 1 car from XXXX with XXXX XXXX. XXXX was given back to XXXX by the Finance Co because of its condition at purchase. Next, 7 cars from XXXX all returned for broken rear wheel components and safety hazards. Next, XXXX XXXX and XXXX, XXXX XXXX XXXX which there were 24 inquiries done on my credit for 1 car. Definitely a red flag. Traded due to too many service appointments for the same issue. The wheels. Last, XXXX XXXX XXXX that XXXX XXXX sabotaged the order for the parts by calling XXXX from XXXX to ask which shop was my car in. XXXX never needs to know where my car is because all services are handled with the warranty co. The Auto administration refused to acknowledge his behavior because he mentioned the XXXX accidents from people hitting my car. No proof I had any affiliation with any person involved which I will testify to any jury anywhere. I was involved in 1 deliberate accident because he refused to fix my car properly and made it impossible for anybody else to fix the car as it was under warranty by both the dealer and XXXX insurance repairs which voids if done somewhere else. Please fix my credit according to this complaint. 10 cars and no flags should be flagged. Please and 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 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been disputing these accounts for over a year that don't belong to me. 

XXXX XXXX {$230.00} opened XX/XX/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been disputing these accounts for over a year that don't belong to me. 

XXXX XXXX {$230.00} opened XX/XX/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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I have now sent disputes to Equifax, XXXX and XXXX to remove the bankruptcy off of my credit as the court does not report to the bureaus and that is fraudulent and the only agency that removed it was XXXX. I have a printed paper from the court that explicitly says they do not report to the Credit reporting agencies which means that they are committing fraud and possible identity theft. I also sent disputes about other discrepancies on my reports which some of have been changed which proves that there was not accurate reporting being done at all. Per the FCRA they are to report accurate and fair and this has not been done. I want to be paid {$1000.00} per violation of inaccurate reporting per the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The Complainant was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited the Complainant to invest substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All such transfers were made through the Complainants wallet hosted by Coinbase. 
The Complainant considers the beneficiary wallets being an integral part of the fraudulent scheme behind XXXX XXXX XXXX. The Complainant also know that under the so called travel rule, XXXX XXXX XXXX XXXX ( XXXX ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including which is the hosting exchange ) and/or if the beneficiary wallet is unhosted. Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet-holders, the Complainant addressed a relevant request for provision of information. Such letter was solely based upon the assumption that : ( a ) Coinbase should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX compliant as it declares and advertises ) ; ( b ) neither part of the requested information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) the complainant has justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto-exchanges that possibly hosted wallets, to which the complainant made transactions. Unfortunately, Coinbase has not provided any response to the complainant 's justified request. By ignoring the request, Coinbase failed to provide the required information about the XXXXs hosting the beneficiary wallets, where the complainant has made series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information. On its own, this hinders the consumer to make feasible use of its protected legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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:
Kindly take a moment to look over the attached documents at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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