vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Personal Information that is not my name, misspelled inaccurate I want it removed, name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address not mines : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, phone number to be removed 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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I had my tax refund deposited and chime has stolen my account they refuse to give me access to my account even after me providing proof that it was that they were rude and discriminatory over the phone and refuse to answer calls or emails upon research they are doing this to a lot of people with tax refunds and their paychecks saying we need to look into your account and then taking the money please help I just want access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2022, someone attempted to open an account with Wells Fargo using my personal information. The bank declined the application as they could not properly identify me with the information provided. Wells Fargo reported the hard pull to XXXX on XX/XX/XXXX. I contacted Wells Fargo, and they are investigating the situation. I have also, contacted the three reporting agencies as of today and placed freeze on all accounts. I'm not sure what else I need to do to protect my personal information or correct this fraudulent act from happening again. Please let me know, if I need to get a police report as I'm not sure if that is necessary. I do not have any accounts with Wells Fargo at this time and would like any fraudulent pulls removed from all of the reporting agencies that may have been affected. 

Thank you,

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My PayPal account was closed because of some activity on my account. Paypal said they will hold my money for XXXX days. That was XXXX year ago. Paypal keeps telling me it is under investigation. I keep calling and they tell me the same thing. I would like PayPal to release my funds. PayPal is basically stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
mortgage company is reporting inaccurate my mortgage is paid per obligation of the united states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
they informed me of a debt that was with XXXX XXXXXXXX XXXX i have sent them many letters in the past asking to show me receipts to prove the debt as it states in the original debter aggrement that they kept sending me with a statement that just showes me just a total. no detailed dates with amounts i had identy theift in the past and they want me to file a police report from back in 2019 the sheriff department said was too long to file i have tried to weork with them on the amounts i owe and not what they are showing. they are rude when call state they can not talk on a recorded line help this is old and needs to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 FCRA, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights XXXX 

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 2022-08-03 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: TX

Complaint narrative:
Equifax Credit bureau reported a collections account " XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted disputes to you and did not get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-08-03 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: NC

Complaint narrative:
I have submitted disputes to you and did not get a response within XXXX days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Saturday ( XX/XX/22 ) I engaged in a conversation, through XXXX XXXX, with a XXXX XXXX XXXX. XXXX XXXX agreed to sell me 3 tickets to a football game for {$450.00}. After agreeing with her, I sent the agreed upon amount, from my Chase account ( through XXXX ) to her. Upon receiving the money, the other party failed to respond to messages and never sent the agreed upon tickets. I asked her to please return the money several times and she never responded. Immediately following this interaction I called Chase to let them know what had happened and they told me they would start and investigation, but that because this happened through XXXX that they probably would not be able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CA

Complaint narrative:
Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to XXXX, Equifax, and XXXX since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CA

Complaint narrative:
Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to XXXX, XXXX, and Experian since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.

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 2022-08-03 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: IN

Complaint narrative:
In accordance with the FCRA, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights XXXX 

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 2022-08-03 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 with the FCRA, XXXX XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights XXXX 

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 2022-08-03 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:
I am one of the victims of Equifax 's XXXX  Breach and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TX

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged

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 2022-08-04 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I told Wells Fargo in 2017 that my identity was stolen and that the transactions were fraudulent. They closed my account and they took all my money in the account and my direct deposit, approximately {$600.00}, that was deposited into my account after the account was closed. They refused to give me my money back and submitted the account as a charge off with bad debt. Since 2017, they have been updating the account as a charge off every month and that is illegal.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Personal Information that is not my name, misspelled inaccurate I want it removed, name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX address not mines : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, phone number to be removed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Georgia XXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: SC

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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. 

TransUnion Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting inaccurate data on my credit report, stating that I was late XXXX XXXX XXXX XXXX XXXX XXXX. I was not late, for the year of XXXX  and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to XXXX and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/2018 which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud.

Company response to consumer: Closed with explanation