vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2022, TILA VIOLATIONS and NOTICE OF RESCISSION were sent to EXPERIAN who, after receiving the complaint filed with CFPB on XX/XX/2022 regarding a separate issue, has since, ignored the NOTICE OF RESCISSION AND DEMAND TO CEASE AND DESIST FROM ANY ADDITIONAL REPORTING ON SAID ACCOUNT PURSUANT TO ADMINISTRATIVE RESOLUTION. However, EXPERIAN IGNORED THE REQUEST AND HAS SINCE receiving notice of the complaint filed stated above, CONTINUES POSTING MISLEADING INFORMATION AGAINST MY TRUE CREDIT SCORE AND HISTORY. On XX/XX/2022, again, refused to receive, accept, and/or process the relative information pursuant to the RIGHT OF RESCISSION and NOTICE thereof.

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 2022-09-04 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  XXXX account # XXXX has violated my rights. 

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

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

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

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  XXXX account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Fraudulent collection placed on credit file with collection agency by the name of Southwest Credit System claiming to represent XXXX XXXX. XXXX was placed on my credit file XX/XX/2022. I have never had an account or done any business with XXXX XXXX or any of its affiliates. I have placed a fraud alert with all three credit bureaus in response to this fraudulent account. A credit freeze has been placed on all three credit files. I have filed an identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Experian written permission to furnish these accounts. 


XXXX  XXXX  XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give TransUnion written permission to furnish these accounts. 

XXXX  XXXX  XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
dear Consumer Financial Protection Bureau : The debt collector TSI has incorrectly placed a {$2300.00} with XXXX XXXX on my credit report. 

1. I was never notified of the debt, and it was placed on my credit report without due process. Attempted to have Transworld send confirmation of notification, no response. 
2. Transworld Systems has inaccurately reported a delinquent information 3. The information submitted to the credit bureaus is inaccurate. 
4. Transworld has improperly and deceitfully caused my credit report to be severely damaged. 
5. I have attempted to request Transworld Systems to provide information on how to remove the damage and verification of the debt of {$2300.00} 6. Requested from XXXX to verify the inaccuracy of the debt and to provide sufficient evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
Please provide a listing detailing all account activity from XX/XX/2022 to the date this request is fulfilled - the months of XXXX, XXXX, and XX/XX/2022. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-09-04 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:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2022-09-04 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:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2022-09-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. XXXX is reporting {$0.00} and Equifax is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. XXXX is reporting {$230.00} and Equifax is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. Experian is reporting {$0.00} and XXXX is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. Experian is reporting {$230.00} and XXXX is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A

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 2022-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give written permission to furnish this account. 


ALLY FINANCIAL XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 75 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$32000.00} from XX/XX/XXXX to XX/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 explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I was contacted by a friend through XXXX and she asked to borrow money. I asked her a few questions to verify it was her and she answered correctly. I sent XXXX using my XXXX app but through Zelle to someone she needed to pay ( XXXX XXXX ) because apparently her account was frozen and she was dealing with it. Days later I found out her account had been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: PulteGroup, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received over 30 phone calls from mortgage lending companies. After talking with one of the solicitors, I discovered there was a hard pull on my credit and my information was shared broadly with mortgage lenders. 

On XX/XX/XXXX, I checked my credit report and discovered Pulte Mortgage pulled my credit. I emailed this company requesting who pulled my credit, for what purpose, and why I was not notified prior. 

A few days past and I got a response saying the company was performing an audit of me as a prior customer. When I asked for documentation supporting this claim, they changed the cause to something else and escalated my issue to their escalation team. To this day, Ive never received a notification from the escalation team. 

Around XX/XX/XXXX, I reached out to Pulte again but to their sales department. This prompted a phone call from their customer service department. After talking with their customer service department, I was told they had no idea who or why it was pulled and did not seem to care about my credit. 

I need help removing this. This is causing me XXXX  because rates continue to climb and this pull dropped my score making me further delay financing because my credit would be pulled again and I will pay more in interest.

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 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
My account was compromised & with that being known by the financial institution & my account is still locked. I dont understand this. I have no transportation to go to the bank but they have no reason to not fix ny account and give me access to it if its comprised and the rightful owner is here with proof. The fact that I told them it was compromised the situation shouldve been handled as in my account fixed & returned in good standing now I have no account to receive deposits or do normal things!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a phone call from XXXX XXXX XXXX ( a XXXX XXXX XXXX  number was listed on the caller ID ) on XX/XX/22 at XXXX PM, where the man on the phone stated that the electricity to my home would be cut by XXXX XXXX if I didn't provide him with {$490.00} to send a technician over - the amount of which would be refunded later. He stated that I should pay this amount through the XXXX XXXX app, at which point I sent the {$490.00} to the contact that was provided. He then stated that because I had not put a memo on the transaction, the transaction had not been completed and had be cancelled, so that I would need to send the {$490.00} once more so that they could send over the technician. I stated that I did not have sufficient funds to cover the charge again, and he mentioned that I would be refunded this amount within an hour, and that they would provide me with 2 codes to provide to the bank, so that the bank could refund me the money. They sent me a code " XXXX, '' which I then realized was another amount that they were requesting. After I said I will not send this account, they told me that they can give me another code, which would alert the bank to refund this money. The next " code '' he sent was " XXXX '' followed by another " code '' which was " XXXX '' at which point I sent over both these amounts. In total, I sent this man, who had claimed to be from " XXXX  XXXX XXXX, '' {$1600.00} from my personal debit card through the XXXX app. After being suspicious of these transactions, I called back XXXX XXXXXXXX XXXX, where I spoke to a representative who stated that they never authorize transactions through the XXXX XXXX, and I immediate realized that the first man who called me was not who he claimed to be. I proceeded to call my bank ( Wells Fargo ), who stated that there was nothing they could do because I had authorized this transaction, and I next filed a police report.

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