vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Dear XXXX XXXX I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX  to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand LCI remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



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 2022-12-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear XXXX XXXX I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand XXXX remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C 1681 ( 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 2022-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have previously filed a complaint with the CFPB about a fraudulent auto loan account with Wells Fargo Dealer Services in XXXX of XXXX. I have never applied for the loan or opened it. I did not purchase a vehicle in XXXX. In fact, I was not living in the XXXX in XXXX  and I still reside XXXX XXXX XXXX. For the past several years I've been trying to resolve this issue, yet no one has ever spoken to me about it. As I said, I do not reside in the XXXX and haven't for over a decade. I have given up Wells Fargo representatives, and ever someone name XXXX XXXX, the only practical way to get in touch with me over the past several years and I have yet to speak to someone in the fraud department with Wells Fargo. This account is almost 7 years old, no one ever paid on it, the address used to open it is not mine, the signature used doesn't belong to me, it hasn't reported in several years on my credit report, however, continues to cause problems for me. I have now gotten a lawyer involved and will do whatever I takes at this point to resolve it, even if it means going to court. This is an auto loan account that was opened fraudulently nearly 7 years ago, no one has ever bothered to discuss it with me despite my many efforts to talk to someone from the other side of the world several time zones away, and the account hasn't reported anything in on my credit profiles, yet it is still there. I want it removed now! It's a 7-year-old account that is fraudulent, what is there to discuss at this point? Besides, as I said no one has ever contacted me from the Fraud Department despite my efforts to reach them. Remove it now!! I have now gotten an attorney involved to have it removed. I just want this off my 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
Consumer complaint received 2022-12-14 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: NJ

Complaint narrative:
I noticed a couple of accounts on my credit report that I dont recognize

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 2022-12-14 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: CA

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, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-12-14 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: MD

Complaint narrative:
Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with OneUnited Bank has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account XXXX : XXXX Bank XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have PayPal account made a purchase on XXXX  website paid the money month later received the items opened the package four of the items were missing immediately called them when home looked at items they said 2x but they were medium to small they had me takes pics which l have, PayPal says work with the seller which l did, but when PayPal does their Dispute lnvestgation that's when everything went wrong the seller agreed to refund my money l have all the emails stating that along with the tracking number for the returned items PayPal refused to return my money that l paid up front and denied my case l given them emails of all the communication between the seller stating that they were going refund my money., that they called the postoffice to confirm the tracking number and whe. It was delivered.

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 2022-12-14 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: OK

Complaint narrative:
My Chime Bank Account routing XXXX, account XXXX reflected 3 charges for {$95.00} to XXXX XXXX XXXX. I contacted XXXX XXXX, only got to speak to a answering machine and have left 3 messages. Filed disputes with Chime. I don't have a XXXX XXXXXXXX XXXX  card, nor have I applied for one. This is literally tying up {$280.00} of my money that I need to buy a car right now. I have had no response from the credit card company nor the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX XXXX  from my JPMorgan Chase Bank account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
I have contacted XXXX and their fraud department to inquire about this debt thats being reported to my credit report as 2 separate accounts with them. They transferred me to ( ERC ) as they stated they could give me more information. I called ERC and they didnt give me information and stated " we dont have his debt anymore, we dont know where its at nor the company who has control of it '' ( XX/XX/22 at XXXX est ) call was recorded on their end so my inquiry wasn't responded to. Debt doesn't belong to me but is reporting to all 3 of my credit reports. please remove, advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
{$1900.00} is reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: FL

Complaint narrative:
I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiries : XXXX XXXX  -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C 1681 ( 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 2022-12-14 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
XX/XX/2022, I was told by Comenity Bank call center representative XXXX, that my XXXX credit card with comenity bank had been sold to a 3rd party called XXXX XXXX due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to XXXX XXXX to make my payment. I contacted XXXX XXXX XXXX MO on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call XXXX XXXX as well as Comenity Bank over and over again, I even tried to dispute with my bank. I was told by Comenity bank that XXXX XXXX has not sent them the check yet. I was told by XXXX XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XX/XX/2022 I spoke with a supervisor by the name of XXXX XXXX with Comenity bank, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to XXXX XXXX my account was reversed BACK TO COMENITY AND NO LONGER WITH XXXX. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted comenity bank and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay comenity bank in attempts to zero out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using 93 % of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my zeroing out my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Commencing on or around XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX XXXX XXXX XXXX XXXX XXXX from my Coinbase Inc account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: OK

Complaint narrative:
It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, XXXX, and Transunion has violated my Federally protected consumer rights to privacy and confidentiality

und er 15 USC 1681. 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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