vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-09 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Ability Recovery # D96828, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy federal is in violation of the FCRA they continue to furnish inaccurate information to my consumer report. I have sent over an FTC report and a police report and navy federal continues to report inaccurate information to the consumer reporting agencies. Not following the rules under the FCRA for furnishers. They have been reporting this inaccurate information for over 120 days on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: GA

Complaint narrative:
I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX INACCURATE NAMES, AND ADDRESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, INACCURATE NAMES, AND ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I placed a call to XXXX representative stating that I was suspecting of a scam. Impostor directed me to download the anydesk app.

After I downloaded the app he directed me to start two wires in order to safeguard my finds. He said that the money would be debited immediately after the test was performed. It was only way to have my money safe.

I followed the instructions and completed wires. I filed report with bank.

Impostor texted XXXX employee ID. 
XXXX XXXX XXXX phone impostor used to commit fraud Anydesk kept sending prompts that the caller was a XXXX  verified client

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$120.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} ), XXXX  ( Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1200.00} ), XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$72000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Ability Recovery # D96828, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: MD

Complaint narrative:
I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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:
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 ACCOUNT WITHOUT WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ACCOUNT - XXXX XXXXXXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX - {$7900.00} OPENED- XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Account was paid in full on XX/XX/XXXX, called on this day to have the {$250.00} annual fee removed and to close the account. Agent could not provide a reference number for the transaction/account closing. Account has not been updated in reporting to XXXX since XX/XX/XXXX. Since, account is a XXXX balance and closed by consumer, it should be updated in reporting to all major credit reporting repositories as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a credit card account with American Express National Bank ( originally American Express XXXX XXXX  ). This account went into default during 2020 because of Covid-related loss of income. 

My contract with American Express specified that late fees will not exceed {$38.00} per billing cycle, as follows : ( 1 ) the first time it happens, the late fee is {$27.00} ; ( 2 ) if late payment happens again within 6 billing cycles, the late fee is escalated to {$38.00}.

American Express has billed and is attempting to collect excessive late fees. I do not have every statement since the account went into default, but I have three statements that show the following : ( 1 ) first late fee charged was {$29.00}, not {$27.00} ; ( 2 ) a second late fee was {$40.00}, not {$38.00} ; and ( 3 ) a third late fee was also {$38.00}, not {$40.00}.

This may seem trivial when you consider my account alone, but this type of unfair billing seems to be a systemic issue with American Express. CFPB has previously sanctioned American Express XXXX XXXX  for unfair fees and billing : https : //www.consumerfinance.govXXXX If this is happening to me, it is unlikely that I am the only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: NV

Complaint narrative:
I called Experian in XX/XX/XXXX I still have a SECURITY FREEZE on all accounts but no one ask for the Pin ANYMORE. 
This system is SET-UP FOR US TO FAIL and that is clear.

I was able to call and say my first and last name. I went to the dispute dept and the female answered. I said, I have a few concerns and I need to order my credit report to be sure about everything! She asked for my address and said, she has processed the report. Is there anything else I can do for you! I said I need a supervisor, she asked why, I said, because you didn't verify my account.

She said she did. In that call if it's recorded like they say, SHE DID NOT VERIFY MY IDENTITY AT ALL. A Pin from the Security Freeze is the extra security needed to verify my account.

Everyone has my name, social, address and my phone number.

Please note : No one had my Security Freeze Pin.

That is the reason I set up a Security Freeze.

She transferred me to the FRAUD DEPT instead of her supervisor so that is why I am filing this complaint. If she was so sure that this is a problem big enough for the FRAUD Dept then she should have verified my account properly. HIPAA has been in business since XXXX. 

I have not been protected in years. 

My credit is better now and it's just a matter of time before these credit bureaus allow the wrong person access to my account. 

I have dealt with unprofessional people angry at me for pointing out their sloppy service. My credit MATTERS! 

I am sending this report as an update so that CFPB is aware of Experian 's constant wrong doing and Violation of my account. 

Again, I set up a SECURITY FREEZE so I have a Pin number. 
Their new system is more relaxed with OUR files and with LESS SECURITY so Verification isn't necessary. Phone numbers change all the time. All it takes is for me to lose my cell phone number for not paying my phone bill. Or to lose my phone and the wrong person calls. Experian is welcoming Identity Theft by what they are doing... 

I have sent several complaints throughout the last few years and there has been no improvement. If I ever experience Identity theft again, I will know that Experian played a big role in not verifying my identity properly before sharing my information and before MAILING MY CREDIT REPORTS. XX/XX/XXXX XXXX XXXX  pst

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received an email from navy federal credit union indicating that an ach transfer confirmation was complete. I called the credit union and confirmed that an account was open but not by me. I was transferred to the fraud department where I opened a claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2020 there was an unauthorized inquiry from XXXX own i notified the credit bureau of this discrepancy and they refused to remove the inquiry XX/XX/2020 another unauthorized inquiry from first Franklin

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent documents necessary to have all accounts and inquires listed removed. Please provide documented proof of alleged indebtedness or proof I made the inquiries or remove and block these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have an open account with XXXX XXXX XXXX XXXX, they had a wrong address on file for my account it was a Virginia address, while I was living in North Carolina. I had to call them and let them know I never stayed at that address they had on file and had to get it changed. 

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Transunion about the following negative account XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$2500.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: FL

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: FL

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation