vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: IN

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 has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF EDXXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF EDXXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 168c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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 2023-01-21 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: NY

Complaint narrative:
This complaint is about incorrect and misleading reporting on my credit report by Experian. 

Complaint # 1 On my credit report Experian is reporting that I am 120 days late in XXXX with XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX its been reported as ( NR ) which means not reporting. How can I be late for 120 days in XXXX but the four prior months nothing has been reported. Also, from XX/XX/XXXX to XX/XX/XXXX is all blank. 

Complaint # 2 XX/XX/XXXX and XX/XX/XXXX they have me current on with XXXX XXXX  XXXX. XX/XX/XXXX they have me as 30 days late, XXXX  60 days late and in XXXX  90 days late. How can I be late a total of 180 days from XX/XX/XXXX to to XX/XX/XXXX? Their 's no way that I can be late 30 days in XXXX if XX/XX/XXXX and XX/XX/XXXX I am current. 
XX/XX/XXXX to XX/XX/XXXX they have ( NR ) which means NOT REPORTING. 

Complaint # XXXX XX/XX/XXXX to XX/XX/XXXX they have nothing reported on credit report with XXXX XXXX  XXXX, its blank. In XXXX its reported 30 days late, XXXX  30 days late and in XXXX  60 days and in XXXX  90 days late. How can that be right? How can I be late 210 days 8 months? When XX/XX/XXXX to XX/XX/XXXX have no reporting. 

Complaint # XXXX XX/XX/XXXX Experian reported ( NR ) which means not reporting. XX/XX/XXXX Experian reported current with XXXX. From XX/XX/XXXX to XX/XX/XXXX everything is blank. 
XX/XX/XXXX to XX/XX/XXXX Experian I was current. In XXXX Experian have me 60 days late. How can I be 60 days late XXXX when I current from XX/XX/XXXX to XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX Experian put ( NR ) which means no reporting. 
XX/XX/XXXX I was current. XXXX to XXXX Experian have ( NR ) which means not reporting. All these reporting makes no sense. I have tried many times over several weeks, asking Experian to delete all incorrect and misleading reporting on my credit and they literally ignored my request. Like I said it previous complaint, this is taking a toll on my and my family. I can't apply for certain jobs. I am having a hard time finding apartment in certain neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AR

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$540.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-21 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I sent out letters to the credit bureaus and the creditors on : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AR

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX  XXXX Balance : {$47000.00}

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was unable to modify my adjustable rate mortgage with Wells Fargo back in 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 explanation
Consumer complaint received 2023-01-21 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: MO

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The payment was XXXX but they were putting part toward interest and then late fee every month. The actual principal was XXXX and then interest and the late fee. The payment was not late. I called and they just talked around what the other fee was and never would really answer my question. Someone later called me back and tried to say that was not what that meant ( the part about late fee ). I never understood and am still having to pay the same amount, they are not breaking it down to principal and interest XXXX hidden fee.

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 2023-01-21 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2018 Reference # : 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 explanation
Consumer complaint received 2023-01-21 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: AR

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}

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 2023-01-21 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: AR

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: CA

Complaint narrative:
This creditor is in violation because they were to notify me of this by writing in 5 days prior I was not. As the original creditor only I can validate this debt. Also, This inquiry is unauthorized and fraudulent. Please delete it at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for close to XXXX months now. When I attempt to perform any respective action online, the website provides an error stating " We're unable to complete your request online. '' I have reached out to the company on a great many occasions to fix this issue ( XXXX instances ), both by phone and online ( with saved chat transcripts ). I have been told that Transunion is cognizant of the issue, and that someone will reach out to ameliorate the problem. The company continues to willfully ignore the problem to this day. I have spoken to several supervisors at the firm, notably " XXXX '' ( employee ID # XXXX ) and XXXX, these individuals acknowledged the problem yet absolutely nothing has been done to solve this issue. I have a legal right to access this credit report, dispute issues/inaccuracies on said report and be able to access this report online. Transunion is deliberately preventing me from doing so, and violating my rights. 
Transunion was contacted by my law firm via certified mail on XXXX XXXX XXXX to which they replied that they would rectify the matter, we have their response in writing. Shockingly, to this date, they have willfully done absolutely nothing. They are legally required to allow me access to my credit report and their continued and deliberate failure to do so is unacceptable. 
On numerous occasions, spanning from XXXX XXXX XXXX XXXX XXXX I have reached out to the company to fix this issue, both by phone and on their chat portal. Transunion responded in the past that they are unable to identify who I am and can not locate a report for me but they responded via writing to my law firm acknowledging exactly who I am and that they will fix this issue. They are lying and being dishonest to the CFPB. 
Additionally and concernedly, there were comments made to me by this firm that I felt were racially biased, and that is why they are treating me in this manner. They have not done anything to allow me to access my credit report and they are continuing to violate my rights.

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 2023-01-21 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: NJ

Complaint narrative:
This is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. 

I would like to state that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer NEVER gave XXXX written consent to report anything on my consumer report. No consent is identity theft. 
I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing TransUnion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If TransUnion wants to continue to business with me, they should delete these inaccuracies off my consumer report. 


I demand that the following account removed immediately : XXXX. The following account is not XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. 







Thank You, 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 2023-01-21 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:
I made a deposit of investment from medical group in California. Not even 24 hours from the deposit I get a notice of account closing and didnt receive my funding. Saying the account number was a fraud. When I called to get details of my account. They always say call back.

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