vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 : 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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXL Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 : 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 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Managem {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, 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

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance with the fair credit act 1. XXXX XXXX of XXXX Original creditor XXXX XXXX XXXXr Acct # XXXX 2. XXXX XXXX  Acct # XXXX Original creditor XXXX XXXX XXXX 15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : 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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the fair credit act 1. XXXX XXXX of XXXX Original creditor XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX  Acct # XXXX Original creditor XXXX XXXX XXXX  15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I've reached out XXXX regarding harassments by an NMLS XXXX LO. I'm still being overwheled with spam by the L.O. There's not an " unsubscribe '' button and I've emailed the L.O. and this made the issue worse. When I called the number associated with the L.O. he hung up on me 4 x 's.

Add content is not the issue. Misuse and spamming abuse to the point of harassment is the issue.

Add from LO : Celebrating XXXX  We recognize XX/XX/XXXX as a day of freedom, reflection, and family for so many in our nation. XXXX commemorates the day in XXXX when all enslaved people were finally freed in the United States. At Wells Fargo, we are proud to join in this celebration of unity, equality and progress. 

Sincerely, XXXX XXXX XXXX XXXX Mortgage Consultant Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Mobile 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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove 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 non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. They refuse to remove the account, despite my documentation of fraud and that it was opened online with an address they provided in their response which was never my address. They clearly did not verify the identity, and sent the card to an address that was not mine. They removed two others, but not this account, from my credit file. I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I filed complaint about this matter with case # XXXX. I received response from US bank. This response is not telling me anything about where the money is. It only explains the process. Only thing they mentioned is that they did not find any error. If there is no error, why recipient bank did not received the fund? Who will trace the money? I used US bank for this service and paid fee for it. Is it not their responsibility to trace and find where the money is? Do I have any right to know what happened to that transaction?

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2019, XXXX repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. XXXX sold my car in auction. I defaulted on XX/XX/2019. Which means XXXX received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form 1099c on any amount over {$600.00}, they must send the obligor/consumer a form 1099c. {$13000.00} was written off. I never received my form 1099c for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, XXXX has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2019, XXXX repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. XXXX sold my car in auction. I defaulted on XX/XX/2019. Which means XXXX received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form 1099c on any amount over {$600.00}, they must send the obligor/consumer a form 1099c. {$13000.00} was written off. I never received my form 1099c for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, XXXX has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2022, {$0.00}, LEXISNEXIS - DOCUMENTS ATTACHED Both addresses ARE inaccurate AND unverifiable! 

Consumer law states that you must provide accurate information to a consumer. 

Reinvestigate and provided proof that my previous address was XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX Letters with different address attached. 

C.F.P.B agent Lexisnexis states in both letters that they matched the addresses with XXXX, XXXX and XXXX to confirm a bankruptcy. 

Theses addresses have never appeared on my credit reports. 

The address is inaccurate or unverifiable information!!!!!!!!!!!!!!!!!!!!!!!!!! 

Refer your companies obligations to consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall The address is inaccurate or unverifiable information ; and ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been the victim of fraud, privacy breach and security breach on my Venmo account. I have been getting harassing calls ostensibly from Venmo alerting me of suspicious transactions being processed from XXXX XXXX for {$550.00} and then texts asking me to enter a code. I ignored the calls and texts for several days but they kept calling with great urgency. When I finally complied with Venmo 's request, a fraudulent transaction for {$150.00} immediately was processed on my account. I called Venmo immediately and they are not helpful. They refused to reverse the transaction or to let me speak with anyone who could advise me whether or not my bank account and routing number have been accessed by the party committing the fraud. I was told an investigation would be started, that it would take XXXX business days, and I would only be able to communicate through email and only after I am contacted in XXXX business days. 

Subsequent to reporting this fraud : XXXX. I am still getting numerous calls from Venmo with the same message about transactions being processed from XXXX XXXX for {$550.00}. My Venmo account is supposed to be frozen. 

2. My email address has been changed, probably by the hackers, so I no longer can access my Venmo account and I likely will not receive the fraud investigation updates because my email address has been changed! 

The calls and texts are coming through from Venmo 's published telephone number ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I lost my wallet and there was some identity theft on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX/Account # XXXX XXXX Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account Name XXXX XXXX XXXX XXXX/Account # XXXX, has 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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation