vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 


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 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request an investigation and correction of late payments that have appeared on my credit report. Upon reviewing my credit history, I noticed inaccuracies regarding the timing of payments for certain account 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: VA

Complaint narrative:
Edfinancial Services LLC is reporting duplicate accounts and charges on my credit report with XXXX Credit bureau. On my report it is showing that I have XXXX accounts open, which is incorrect. I only have XXXX accounts open with edfinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a mortgage loan. I was alerted by the lender that I had a collection on my credit report for {$4400.00}, which was opened on XX/XX/XXXX ( ironically my birth day and month ). I contacted the original loan company XXXX, and advised them that this debt was not mine, and they indicated that they had no debt found with the information that I provided. I have not been contacted by the collection agency, XXXX XXXX XXXX I have also filed an FTC packet. This error has NOT been removed from my credit report to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine. The amount is {$8000.00} it was opened on XX/XX/2023.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had someone scam my business account over the phone and then go in and get a cashier 's check for XXXX and XXXX. They say the disputing policy for check is 30 days but it happened when I was in XXXX  and I couldn't dispute it. They are turning down refunding the money due to the 30 day rule but I was incarcerated and couldn't do a dispute. I disputed it as soon as I could after jail. They owe me the money cause they were supposed to protect it and they allowed them to walk in XXXX different states and take out XXXX dollars of my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed a charge of {$1700.00} processed on XX/XX/year>. The treatment was not effective. The company is in violation of New York State law, which requires all aestheticians to certify directly with the manufacturers of the machinery being used on clients regardless of aesthetician licensing. During the dispute process, Capital One accepted only an aesthetician license as evidence from the company I paid and allowed them to keep {$1700.00} of my money without the documents needed to justify the purchase. I submitted evidence to the dispute department at Capital One, regarding the New York State law being violated by XXXX XXXX XXXX Capital One knowingly, allowed an unlawful and illegal business, to steal my money, and proceeded to deny my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX wrote a check to myself and my ex husband for XXXX. My ex endorsed the check but I did not. He deposited the check over the mobile banking system at Wells Fargo on XX/XX/2023. XXXX- the bank that wrote us the check- provided me with cleared check copy. They told me Wells Fargo should not have cashed the check but because my ex cashed it via mobile deposit it wasnt caught and that I needed to notify Wells Fargo. I brought the check copy to my local Wells Fargo Branch and the banker told me Wells fargo had the right to assume an or was on the check. There was no or. The banker told me I had to go to my ex. I asked my ex husband to give me half the proceeds as we agreed we would in our court order and he disagreed. Is Wells Fargo liable to me for the my court ordered portion of the funds? Note - my name officially changed from XXXX XXXX XXXX to XXXX XXXX XXXX about a month ago and I am still processing the changes.

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 2024-02-13 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

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 2024-02-13 00:00:00
Product: Credit reporting 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:
I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXXthis merchant is clearly not consistent with reporting my payment history of missed payment amount and percentages payment history as a TOTAL. XXXX and XXXX are reporting two different numbers under payment history. It should be XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I just viewed my recent credit report from XX/XX/ and I discovered some inquiries that I did not authorize and also have no permissible purpose. I am now a victim of identify theft I have also attached the evidence. These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b.

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

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 2024-02-13 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
I just viewed my recent credit report from XX/XX/ and I discovered some inquiries that I did not authorize and also have no permissible purpose. I am now a victim of identify theft I have also attached the evidence. These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
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.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-13 00:00:00
Product: Credit reporting 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:
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 Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX and list of Inquiries. 


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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of XXXX XXXX scam. I wired money to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX for {$25000.00} XX/XX/XXXX for {$78000.00} through by bank account with XXXX XXXX  and on XX/XX/XXXX for {$100000.00} and XX/XX/XXXX for {$50000.00} through my bank account with XXXX XXXX XXXX. 
I initiated wire recalls on XX/XX/XXXX once I came to know about the scam. 
These businesses are using wire transfers as part of a scheme to defraud or to obtain money by means of false or fraudulent pretenses My complaint alleges that the proceeds of wire fraud was involved in money laundering and Banks are facilitating. I initiated wire recalls through both my banks- XXXX and XXXX XXXX XXXX  on XX/XX/XXXX, but so far no recovery is done. 
This particular account is with Bank of America who is denying to return the money back. 
4 wires in the amount {$25000.00} on XX/XX/XXXX, {$78000.00} on XX/XX/XXXX, {$100000.00} on XX/XX/XXXX and {$50000.00} on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America National Association Routing number XXXX Bank address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient Acct number XXXX I have reached out my local XXXX law enforcement who has reported the case and assigned detective XXXX. 
I have reached FBI through IC3 form and currently working with a FBI Agent XXXX XXXX from XXXX XXXX, CA, who is assigned formally to investigate my matter. My case # with the FBI is XXXX I have also reached out other authorities like FTC, CFTC, SEC, XXXX, XXXX, Attorney General of Georgia, CFPB, OCC, XXXX, DFPI and XXXX  XXXX District Congresswoman. 
I just want Bank of America to return my money that I wired to XXXX XXXX XXXX XXXX XXXX under false pretense and misrepresentation.

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 2024-02-13 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I was reviewing my credit report and noticed inquiries not mine on my profile

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 2024-02-13 00:00:00
Product: Credit reporting 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:
dear Credit Bureau : CFO- XXXX XXXX is the Chief Financial Officer at the Equifax XXXX i, XXXX XXXX XXXX , living XXXX  are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in XXXX. i, have no contract with those Corporations. per the Uniform Commercial Code, ( UCC ), many notifications, and no rebuttals in affidavit under penalty of perjury caused the default judgments put upon them. i need all credit scores recorded by Your Agency of the ALL CAPS NAMES ABOVE to be corrected and the record cleared. i discovered the identity theft put upon the copy-written from birth. ( see non-UCC-1 and TRADE NAME ) I had no way of signing my name on any contract or agreement. this is perpetual Fraud an Identity Theft. i, XXXX XXXX XXXX, entitled owner and Power-Of-Attorney-In-Fact have claimed the above ALL-CAPITAL-LETTER-NAMES, and SSNs created by the State Registrar. the XXXX, OR LEGAL FICTION created under the CESTUI QUE VIE ACT IN 1666 and UNAM SANCTUM is now held in XXXX.

Company response to consumer: Closed with explanation