vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 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: NY

Complaint narrative:
On XXXX XXXX I sent off letters to all three credit bureaus to investigate. All of them came back as accurate I know they didnt investigate because my credit report still shows different showings on each of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
I submitted CFPB complaints to Equifax on XX/XX/XXXX, XX/XX/XXXX, and as well as a XXXX XXXX XXXX Complaint on XX/XX/XXXX, and an FTC complaint on XX/XX/XXXX. I've also mailed numerous written disputes to Equifax via certified mail, online via Equifax 's website, and over the phone with Equifax to no avail. Pursuant to 15 USC 1681 ( a ) ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states 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. Equifax 's consumer report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted the info reported at all. Equifax hasnt exercised their grave responsibilities as evidenced by the hundreds of inquires they've allowed into my consumer report, the XXXX data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumer report. Equifax has shown a complete lack of respect for my right to privacy, by reporting these accounts and inquiries without my consent & written instructions. These actions by Equifax are also violations of the XXXX XXXX, referenced by 15 USC 6801 and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: MS

Complaint narrative:
In accordance with the Fair Debt Recording Act XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # 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 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover Bank suddenly closed my checking, savings, and money market accounts without prior notice on XX/XX/2022 and denies me access to any of the over {$310000.00} combined in these accounts. They refused to allow me to access the money, provide payment for the balance, or provide a reason for closing the accounts. I was informed that this was " a business decision '' and that I may receive a check in the mail for the balance in these accounts within 60-90 days. I have no access to any of the money, which represents nearly all my financial resources, including my direct deposit paycheck. I also have no access to any account information, statements, documents ( including tax documents ) or account balance to determine if any of my bills paid through their XXXX service were completed. They would not provide me with any reason or cause for this abrupt account closure, although I have been an excellent customer without any prior complaints, deficiencies, account or transaction problems. Obviously after this egregious business transaction, I have no interest in maintaining a financial relationship with Discover Bank, but they have effectively frozen all of the financial assets from the recent sale of my home, which will prevent me from completion the purchase of a pending sale. In return, they have denied me any resource for action or resolution, and not even provided cause for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy 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 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 2022-08-06 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: CA

Complaint narrative:
I have already tried to fix this issue with Experian in writing in XX/XX/2022 and also in XX/XX/2022. 

I have asked to update my XXXXXXXX XXXX Account on my Experian credit report to " PAID AS AGREED ''. 

This account continues to show lates and I was not late. 

The other 2 bureaus, XXXX XXXX XXXX XXXX already show that my account is PAID AS AGREED... it is Experian that hasn't updated this info yet. 

This is keeping my score down and affecting my ability to get credit and also insurance. 

Thank you for your help in this matter.

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 2022-08-06 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX-discharged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXXdischarged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has sold my personal information to MIDLAND CREDIT MANAGEMENT , INC and they have sued me for an alleged debt they have no right to collect, now they are garnishing my wages. They are purposely injuring me the natural person. I had no credit transaction with MIDLAND CREDIT MANAGEMENT , INC

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the XXXX XXXX have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the XXXX XXXX can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2022-08-06 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:
I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the XXXX XXXX have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the XXXX XXXX can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXXS XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: GA

Complaint narrative:
Hello, i have not been able to file a dispute online with experian they have blocked me from doing so. 

Pursuant to 15 USC 1681 ( A ) ( 3 ) they were not appointed this role by any government or federal authority, nor i have given Experian written consent. Experian has unlawful assumption of this role has cause me hardship against me and my family.

Furthermore Pursuant to 15 USC 1681 ( A ) ( 4 ) Experian were not fair or compliant they didn't exercise their grave responsibility with Fairness. Then they Sell and Advertise my file to anyone so they can turn a profit without any consent from me. They is unethical, and infringement against my privacy. 

By Experain blocking me from filing a dispute i have not been able to request a Description of Procedures a straight violation of my rights. Pursuant 15 USC 1681I ( A ) ( 6 ) Specifically ( 6 ) ( B ) ( III )!

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 2022-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.

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 2022-08-06 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: PA

Complaint narrative:
I have asked Equifax through certified mail for verification of this account furnished by XXXX XXXX account number XXXX furnished on Equifax. After making the dispute the account name and number was then furnish as XXXX with account number XXXX. This account was also being shown as a Collection and after making a complaint through XXXX XXXX. The account was changed from a Collection to an incomplete field. XXXX says Collection/Charge Off, XXXX says XXXX XXXX. With a different account number. The account also says the last payment was on XX/XX/2020. This account has yet to be verified. A person I dont know sending me what looks like a photoshopped XXXX XXXX XXXXtatement with the charges of about XXXX and saying I owe them XXXX is not verification of anything. What is the entire account history? What was the credit Limit? What is the payment amount? How was the interest accrued? Does the account have arbitration? Is this account Identity Theft? A consumer is entitled to a complete and accurate consumer report. This type of credit reporting is a violation of my rights and should be deleted immediately. Im not asking you for verification of my name and mailing address. I have this very XXXX XXXX credit card you claim I owe money on. So if the story Equifax, XXXX, XXXX is telling by way of XXXX XXXX is true then this is a debt that has been re-aged. Which Agency is correct? It has never been verified and is not complete or accurate. Please Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Hello, BMW has received this vehicle and they're reporting it as an Account charged off. The Term of the contract was 36 months and they're reporting as 38 months. I paid all 36 months as agree in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My complaint is with Wells Fargo Bank because I feel they are not doing enough about my fraud claim. On XX/XX/XXXX, someone hacked into my on-line account and stole {$700.00}. the money was XXXX to XXXX XXXX. I have no idea who is this person, XXXX XXXX. There is a reference number. I notified the bank immediately. They told me it would take 10 days to complete the investigation. I called Wells Fargo today only to find out they had closed the account and stated that I had authorized this person to take my money. They started another investigation which will take another 10 days.

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 2022-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Opened a savings account with XXXX by Goldman Sachs on Monday XX/XX/2022 Transferred {$500.00} and {$250.00} on XX/XX/2022 Transferred {$800.00} on XX/XX/2022 Transferred {$450.00} on XX/XX/2022 Transferred {$150.00} on XX/XX/2022 XXXX by Goldman Sachs Savings account is temporarily locked and provides a number to call. 

I call for them to tell me that they closed my account and couldn't provide a reason for it. I asked who I can contact for my funds to be return or when they would be return and they told me they didn't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I have 2 late payments that should not have been on my account and I called to ask them to help me remove the lates from my credit report as it was hurting my score and the guy that answered transferred me to someone else and I got transferred several times and no one could help. The last person told me they never had anyone ask to remove lates on credit and they could not help me. 

GM Financial violate my rights under the FCRA. 

15usc Section 602- states I, XXXX XXXX XXXX XXXX have the right to privacy. 

15 usc Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent or instructions.

15 usc 1681a ( 2 ) ( a ) ( l ) - a consumer report does not include any report containing information solely as to Transaction or expenses between the consumer and the person making the report. 

I want the creditor to update the late payment for XX/XX/2022 and XX/XX/2022 ( 30 day ) to paid on time based on the violations. 

I was not late and should not have these blemishes on my credit. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.

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