vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness and causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account. Trans Union is currently reporting the same defamatory account twice on my consumer report by two different companies. XXXX XXXX and XXXX XXXX XXXX. 

Please be advised that the original consumer credit transaction was based on an uninformed decision, and fraud by the alleged original creditor and unauthorized use. Your failure to cease and desist from reporting these defamatory accounts will evidence your collusion with these two companies in infringing on my right to privacy, defamation to my character and credit worthiness, and multiple violations of federal law by furnishing, and reporting unverified, fraudulent, and negative account information on my consumer file and consumer report without my express written consent.

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 2023-01-22 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: AR

Complaint narrative:
Equifax is reporting fraudulent and incorrect credit card balances on my credit report. I had a block placed due to fraud and incorrect balances with several creditors. XXXX XXXX is a fraudulent account on all three bureaus collecting for XXXX they sent me a letter of fraud. I was XXXX at the time of that account. XXXX XXXX is reporting a incorrect balance and have not responded to my request to correct or remove after receiving a check from the GAP INSURANCE the balance is {$1500.00} more than the true balance, its been over 45 days no response from XXXX XXXX or Equifax. Equifax is reporting 3 fraudulent US Department of Education accounts and refuse to respond or remove these accounts. An unauthorized BLOCK HAS BEEN PLACED ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX, those 2 accounts Were sent to collections which means it is illegal for Equifax to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The balance on my Wells Fargo Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my XXXX credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my XXXX XXXX XXXX. Please get this information updated as soon as possible.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone just closed my account without me being able to get my money because someone else has access to my account but unsure of how

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Issue with loan co-signed by another party. 
Unnecessary checking/savings fees

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 2023-01-22 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: UT

Complaint narrative:
1. XXXX # XXXX- the bureau has left this account on my credit past its 7 year expiration date of XX/XX/XXXX. They added dates under last active and last reported in an effort to illegally leave it on far past its 7 years in an effort to continue to keep my credit in a negative standing. This account is expired and needs to be removed now! 

2. XXXX # XXXX - this account hasn't had activity since long before XXXX given it was on forbearance due to a class action lawsuit filed against the XXXX of XXXX for allowing colleges to fraudulently use government financing for fraud. This account is now at its 10 year expiration date as of XX/XX/XXXX. It needs to be removed. The bureau put updated dates on it in an effort to keep it too on my credit when it will be past its time this month. I'm not going to sit still and allow it to happen. It needs to be removed now!

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 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had overdraft protection but they charged me XXXX dallars each time if i over drew into my market rate savings acvount and i was told no fee cuz i have over protection alsp other problems they charged for

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 2023-01-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, those 2 accounts Were sent to collections which means it is illegal for XXXX to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.

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 2023-01-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, those 2 accounts Were sent to collections which means it is illegal for Equifax to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
they have ignored my request to remove the in accurate information I had at least five apartments denied me because at the end accurate information day reporting refusing to remove it also my criminal charges has been dismissed I was on a XXXX program for six months I pay my restitution case is over and done this should not be in my credit file at all it should be in expunge

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Overdraft that caused my accounts to be charged and automatically deducted from my 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 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
RMP LLC I am writing to dispute a medical collection that has been placed with RMP LLCy on my credit report. I am requesting an itemized bill for the charges in question, as well as any additional information that may be relevant to this dispute. 

I understand that medical billing can be complex and errors may occur. As a medical billing advocate, I would like to work with you to resolve this issue and ensure that the charges are accurate and fair. 

In order to assist me in this process, I am requesting that you provide me with an itemized bill that shows the charges for each service provided, including the date of service, the codes used, and the fees associated with each code. I would also appreciate any additional information that may be relevant to this dispute, such as proof of insurance coverage or payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: Quick Debt Services LLC
State: MD

Complaint narrative:
All three credit reports are inconsistent. I continue paying down my credit cards on my credit report does not go over XXXX for the last XXXX  years has been a real inconsistent pattern with my credit report. Please investigate this situation.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-22 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: NV

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only XXXX two digits of account available # XXXX XX/XX/XXXX {$1000.00} closed 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. 
Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a checking account with Wells Fargo, and i wanted todeposit acheck that was in my name.. They said i could come back next day to withdraw some money out.. Myself n daughter n her friend went back next day in afternoon to withdraw cash out, after doing so we ate lunch n got a text message from bank saying it was fraud and the bank froze my account .. Didnt rexieve a debit card in for like 5-7 days from them.. I was told to call this number about this fraud that appeared on text messages .. We called the number n was put on hold for long tome .. We ended up going back to Wells Fargo and to ask questions of the text message i had gotten.. The bank looked at the text messagges on my cell n then looked at each other ( Tellers ) then said we cant do nothing cause the text nessage had froze your account. Told them i just opened one account yesterday n now you freeze my account? Let me have my mkney i told them .. they refused saying my account of new was frozen.. I called the same number on text i recieved day before n the fraud number i called they had said j had no fraudelant on my account i just opened two days before n yet bank lied said my account was frozen whdn it was not. Then i got my card in mail debit card fromwells fargo, had went to XXXX to huy food n stuff for my daughter, again wells fargo had froze my card saying it was fraudelant n called the njmber once again from first fraud message n guy told me my accojnt will be closed by XX/XX/ 2022.. They made me feellike i was criminal and had no fraud on my account whatso dver.. I went into bank wells fargo n withdrew all my cadh i depiosited nclosed my account after breakibg down feeling like i was some kknd of criminal .. Never again with this bank Wells Fargo XXXX They also said once

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 2023-01-22 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:
see attached

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 2023-01-22 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:
The balance on my XXXX XXXX Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my Equifax credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my Equifax credit score. Please get this information updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made deposits to my account several times and when a check was returned as a result charged my account for the amount of the check and I never received money from it XXXXit has ha0pened more than once and I am XXXX - right now as we speak because of 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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 2023-01-22 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: NJ

Complaint narrative:
I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately. 

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title XXXX, United States XXXX, XXXX for not more than XXXX  years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to Equifax XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation