vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: IN

Complaint narrative:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights 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 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Ive tried 2 or 3 times to open an account with this bank in the past 2 years and was denied. I was completely confused when I closed the account on good terms. Never had an overdraft, this was at the time I found out of the data breach on my business Tax ID XXXX that cant be found and of course I was receiving child support from my daughter XXXX XXXX XXXX from her dad XXXX XXXX XXXX back in XXXX before closing it. Finding out me and my kids had been victims of crimes I couldnt afford an attorney to assist in fighting for our civil rights privacy rights etc. Not only have I been denied opening an account with this bank but I realized every since SSA sent me and my daughter social with just our first and last name ( XXXX ) my son keeping his middle name my drivers license issued on XX/XX/XXXX was replaced with a another drivers license with my face but the issued date is wrong using just my first and last name only not the drivers license with just first middle and last name. Im well aware that my IP has been intercepted foul business practices has been taken against me due to being framed before I realized me and my kids information was exposed illegally since before XXXX when I found out we were victims of ID theft. XXXX XXXX has my name spelled XXXX XXXX XXXX I am just XXXX the dectectice found reports under XXXX XXXX XXXX and Ive never been married.nor used my son father last name for anything. I noticed XXXX XXXX had reported my info used at XXXX XXXX  XXXX  XXXX XXXX, all medical debt is linked to this address XXXX   has my daughter and my son XXXX XXXX XXXX and my name linked to XXXX XXXX XXXX  just our first and last name as if XXXX XXXX XXXX  and XXXX XXXX XXXX are two separate people. I dont care what records shows Ive been framed for financial fraud with XXXX  XXXX XXXX Wells Fargo and possibly XXXX XXXX XXXX Ive been trying to get an opened account with. XXXX reporting to other creditors I dont have kids is false misleading and misrepresentation of my home and my household. I have had 2 kids since their birth. XXXX XXXX doesnt show the birth of my son any longer as if I never had him but its been there since XXXX. XXXX XXXX XXXX shows false records of time me being incarcerated as if they are covering up for someone running from the law someone impersonating me and my kids. Ive been denied rights to my kids records and Ive never EVER DONE NOTHING TO HARM OR CAUSE HARM TO MY KIDS PERIOD.

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 2023-04-09 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-04-09 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-09 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: MO

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
In accordance with the Fair Credit Reporting act XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX account XXXX : XXXX, account ending in XXXX, has violated my rights. 

XXXX XXXX Services account ending XXXX, has violated my rights XXXX XXXX capital has violated my rights XXXX Confirmation # XXXX Has violated my rights XXXX. XXXX : account number ending XXXX, has violated my rights XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
XXXX XXXX team : XXXX XXXX ph XXXX XXXX, XXXX club corporation account ending with XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my second time filing a complaint with the CFPB in regards to Experian and the incorrect information that they continue to furnish about me on my consumer report. In addition to disputing this with the CFPB I have also disputed these incorrect address with Experian more than twice. The address on my consumer report states that I have lived at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This isn't nor has it ever been my address. There has been fraudulent activity in regards to my identity. Both XXXX and XXXX have removed this incorrect address. I am seeking the help of the CFPB again on this matter. At the time of disputing I sent my ID along with personal mail confirming address. XXXX XXXX XXXX isn't nor has it ever been my address. PLEASE DELETE!

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 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: CA

Complaint narrative:
Hello hi it's me XXXX XXXX again okay the reason why I'm making another complaint is because all the money that was withdrawn from my account was done with the ATM card and I have in front of me all the withdrawals my sister made with that credit card that she activated fraudulently activated so when Banner Bank told you I came into that bank I did go into the bank that's when they told me child support had a hold on it IRS had a levy on it every time I went in there they told me that that account had a hold on it mean while with the XXXX XXXX XXXX you could see because they gave me a copy of the withdrawals from from my account which I never received it I never received their debit cards right here in front of me quick stop has my sister on the security camera withdrawing the money right there at the ATM so whatever lie Banner Bank is telling you it's stuffing but a lie so you need to ask them do they have the withdrawal slips do they have do they have that no they do not have that and what about how they said child support had taken XXXX out of my account that never happened IRS never had on my account they lied about that and now they're lying about this I've got the withdrawals right here in front of it at my sister made fraudulently with activating my debit card so please if you have any questions please call me area code XXXX and that's the truth I'm not going to let up on this because that is the truth Banner Bank is lying to you thank you XXXX the only money that exchanged hands between me and Banner Bank that was when they rode me that cashier 's check for {$5700.00} and I think {$14.00} that was the only transaction cash I mean check transaction that I made with him there was no other transactions my sister took all the money off of my debit card so I'm trying to explain to you guys so I don't know why better because lying I do not know because they're the one that made the mistake that's why and they need to refund my money every single time of it I forward you the papers at the Banner Bank gave me all the withdrawals from my from my account with the ATM card I forwarded to you so take a look at them

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 2023-04-09 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: MI

Complaint narrative:
I have an account with an stats of closed I tried to have it removed from my credit report under the fact tht the report is closed but was denied and told it the report was accurate. the report was also opened on XXXX XXXX XXXX this was supposed to be removed after 7years of being on my account this company even went as far to update the collection in XX/XX/ regardless of the fact that it's clearly been past seven years and this account has to be removed 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 2023-04-09 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 1. XXXX XXXX  Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX & XXXXXXXX XXXX Account # XXXX has violated my rights. 






15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for my free credit report online at Annaulcreditreport.com. I picked Equifax to get my report from. After fill out all of the information it said I could not get my credit report and I had to call the customer care team. It gave me this phone number to call 888-Equifax. I called them on XXXX at XXXX XXXX. I talked with XXXX. Before talking to her I had to reverify all of my information again before speaking with her. She said that I could not get my credit report. If I wanted it I would have to have one mailed to me. I told her I didn't want one mailed to me and that was the reason why I applied for it online. After telling her several times I wanted online. She wasn't listening to me and was going to send it to me by mail. I asked for a supervisor. She was resisted wanting to send me to their supervisor. She finally did transfer to the supervisor. Her name was XXXX. She did the same thing. I don't understand why I could not get it online if I applied for it online with annualcreditreport.com. Equifax is not giving our credit report as stated on the web site very quickly. You have to wait 4 to 6 weeks for one! Wow! One other thing I will say also is while I was on the phone with XXXX I heard people in the back ground making laughing sounds and snorting their nose several times while on the phone with XXXX. You would think for a credit reporting company that they would be more professional than that and helpful to the customer. What I want done is for me to get my report on line from Equifax plus an apology from them to!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
According to Wells Fargo my new mortgage payment for principal and insurance is XXXX and the monthly escrow payment is XXXX. My homeowners insurance went down from XXXX to XXXX. My flood is XXXX. Basically Im had my escrow reran twice and XXXX per month is XXXX a year that is excessive for escrow. Im basically being priced out of my home in excessively high escrow fees. 

Initially my insurance come increased from XXXX to XXXX I immediately found cheaper hazard insurance at XXXX. Well Fargo paid that XXXX I had that insurance company refund me the money, and I sent it into Wells Fargo to be paid back into the escrow.

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 2023-04-09 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:
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 non-monetary relief
Consumer complaint received 2023-04-09 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:
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 2023-04-09 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:
In accordance with the Fair Credit Reporting act 1.XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

2.XXXX  XXXX account identifier : XXXX, account ending in XXXX, has violated my rights. 

3.XXXX XXXX XXXX account ending XXXX, has violated my rights 4XXXX XXXX capital has violated my rights 5.XXXX Confirmation # XXXX Has violated my rights 6. XXXX : account number ending XXXX, has violated my rights 7.XXXX XXXXXXXX XXXX account ending XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  : XXXX XXXX ph XXXX XXXX, XXXX club corporation account ending with XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
In accordance with the Fair Credit Reporting act 1.XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

2.XXXX XXXXXXXX account identifier : XXXX, account ending in XXXX, has violated my rights. 

3XXXX XXXXXXXX Services account ending XXXX, has violated my rights 4XXXX XXXX XXXX has violated my rights 5.XXXX  Confirmation # XXXX Has violated my rights 6. XXXX : account number ending XXXX, has violated my rights 7.XXXX XXXXXXXX XXXX account ending XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX : XXXX XXXX ph XXXX XXXX, XXXXXXXX XXXX XXXX account ending with 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