vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear XXXX XXXX XXXX, Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$21000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX I am writing to request that you provide me with information regarding your reporting of information to consumer reporting agencies ( CRAs ). Specifically, I would like to know what information you have reported and to which CRAs. 

I would like to make clear that I have not given permission for you to provide my credit report to any third party for any purpose other than those allowed by USC 15 1681b. This statute outlines the permissible purposes for accessing consumer reports, which include : Credit transactions Employment purposes Insurance underwriting Government licensing and benefit determinations Court orders Legitimate business needs Any other use of my credit report without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Therefore, I request that you provide me with information regarding your reporting of information to CRAs, including the information reported, the date of the report, and to which CRA the information was reported. 

I also request that you investigate any disputed information on my credit report and correct any inaccuracies as required under USC 15 1681s-2. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Still not letting this go! Wells Fargo has showed how classless it actually is. this is the 5th complaint on the same issue and the bank refuses to take responsibility for the dispute that is entirely its fault. why do I have to jump through hoops to prove my innocence on the back of a security breakdown of the bank. I have been through so much with my family and countless hardships due to the lack of compassion on the banks part and my family has been put in jeopardy because of it. ive done exactly as I was asked by all parties involved and still as a loyal customer of 20 years, am being asked to eat everything I have in all my accounts combined and the banks has not even offered as much as a XXXX of compensation. 

I will not stop these complaints Ever. until I have what was stolen from me I will not stop. its complete XXXX that the bank said they tried to get my money back from the XXXX XXXX that allegedly got my funds. ive done my due diligence and I am not willing to let this slide. im contraction every news outlet and im blasting this story. enough is enough. im tired of being blamed for your mishap and im tired of doing without while the bank looks down its nose at me and my family getting robbed while it fails to meet expectations of security and loyalty. grow up and make this right. I want every cent that was lost not a dollar more or a dollar less. im not in this to get a free payday. I just ask that I get back what I worked for months so hard for. just asking for decency. refer to my past complaints for details. if you are my case worker reading this put yourself in my shoes and imagine looking at my wife and XXXX XXXX XXXX girl and explaining why they didn't get a XXXX last year and why food is scarce. not a pity party but reality. use the contingencies that the bank has to make this right. do something opposite of the greedy world and help those who invest there money into a banks protection and rely on it to keep its word. protect those who are employed by the bank because of our business. ive more than proved my own innocence now lets see the bank do the same. 

God Bless The XXXX family

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all false inquiries from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these inquiries be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

In addition to that, I have already sent a letter to the creditor asking them to reverse these late payments. They havent abided by what I requested and they also violated my consumer law because they never gave me the option to opt out from reporting this information to a XXXX party. 15 U.S.C. 6802 B Obligations with respect to disclosures of personal information. 
Creditor : XXXX BANK, Account : XXXX Reason : I paid on time but you're listing me as late for XX/XX/2022- Please update to paid on time! 

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I paid on time but you're listing me as late for XXXX and XXXX of 2022 - Please update to paid on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX Bank account # XXXX is from XXXX. I need them to delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX Bank account # XXXX is from XXXX. I need them to delete this account from 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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX chime bank allowed four different banks to link to my account transferring my money in my credit builder account and savings account to my checking. I was given back over {$20000.00} but five transactions were done in another state. They have been refused equaling XXXX something dollars and XXXX or XXXX is just gone no ones addressing that, I was waiting for them to get that fixed. She take my money out of the bank XX/XX/XXXX. My account was hacked again by four banks being linked to my account. Chime gave me {$17000.00} and at the same time the banks link back to my account Chime, close my account all three and told me I was the reason due to I didnt follow their policy in deposits, I have work XXXX XXXX for the XXXXXXXX XXXX XXXX XXXX  that is the only deposit Ive done. I had an account with XXXX. It got hacked the same way I just spoke to the detective on the case he is willing to talk to you I have his direct number just reach out to me. If you need to speak to him I can not get anyone from Chime to give me my money back to give me any answers. That was my mortgage. Im going to lose my home I really need your help Im begging you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Employee false and libelous attacks as well as physical attacks on me in the branch. 
company closing XXXX XXXX XXXX accounts without notice on XX/XX/2023. 
company closing all credit cards and all checking accounts tied directly or indirectly to me with the intent to do malicious financial harm and physical harm by eliminating an excellent credit history and excellent business rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On Tues or Wed XXXX XXXX, I talked to a lady and told her I would call her back on Friday XX/XX/2023 & I wasn't able to do so due to getting sick. However, on that day after she called me from private numbers 2 times in one day and once on Sunday the XXXX of XXXX. I did not talk to her at that time, but I checked my voice mail and it was her leaving a message. I have since logged & received today on XX/XX/XXXX XXXX calls all by XXXX. I have within this past week received over 7 plus calls from One Main Financial which is against the law. They are switching up calling from private numbers and from their XXXX number. The calls/phone numbers/ date & time are kept on my cell phone incoming log.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently noticed the following collection account on my EQUIFAX consumer credit report : XXXXXXXX XXXX XXXX XXXX for {$1500.00} This account was previously listed, and disputed, under a different company called XXXX XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$1500.00} made between me and XXXX XXXX, please provide me with such. 

Please note that copies of statements are not valid proof of an itemized payment history reflecting amounts and dates payments were made by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NC

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to U.S.C. 1681e ( b ) Compliance Procedures, my consumer report must be created with the utmost accuracy. which Experian was alleged to have violated. 

Section 602 A of U.S.C. 1681. States I am entitled to privacy.

In accordance with U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is not permitted to provide information about me without my prior written consent.

No consumer reporting agency may make any consumer reports, any other negative items of information, or any other ran records of convictions of crimes that predate the report by more than 7 years, according to U.S.C. 1681c. ( a ) ( 5 ) Section.

U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently noticed the following collection account on my XXXX AND EXPERIAN consumer credit report : XXXX XXXX XXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.

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