vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Wrote me on my personal email regarding the complaint. He wrote me to validate information and asked no questions pertaining to the debt. I received emails at XXXX with him being immature and refusing to delete the remaining information. Only one month was updated, once I informed him he stopped responding and informed you all that he wrote me directly. I do not have an email to XXXX and only to a personal email that I told him I will soon block him on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter to Equifax concerning an erroneous account furnished by XXXX. The Account in question had multiple errors across all 3 bureaus and did not reflect the information I had concerning the account. I have had this ongoing issue with XXXX and they have never given me valuable proof of the charges on the account they have against me. XXXX  records of this account are misconstrued and I believe XXXX used predatory and illegal tactics on my account. I then sent a letter to Equifax questioning their reinvestigation process because not one time did they call me or notify me that a reinvestigation was taking place. I then on XX/XX/2022 wrote a formal complaint to the XXXX about Equifax and XXXX about this erroneous account and the NEXT DAY without doing any investigation they sent their response. As per the generic response of Equifax that I sent to the XXXX I never asked for the account to be verified or wether the account was mine. I notified Equifax in the reporting error of XXXX. Not one time in their reinvestigation did they contact me as a consumer. Allowing information to be furnished on my consumer report as they see fit is one sided and against the law. An account can not be verified if the consumer was never notified and there is no first hand knowledge of the account. If there were indeed errors in the reporting of the account that was furnished how can you say NOW the account is 100 % accurate when none of the information furnished matches across all three bureaus. This is a direct violation of the FCRA and I do take items on my consumer report lightly. Basically in Equifax 's response to the erroneous account is that they did not do an independent investigation of the account in question but sent XXXX an email for verification and waited for XXXX 's response and they even admitted that they have no records of this account at all and they are simply going off of he say of XXXX. If they have no evidence of this account and are simply letting furnishers dictate what to put on a consumers report when this account has affected my livelihood and my ability to obtain credit is horrendous to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX Wrote me on my personal email regarding the complaint. He wrote me to validate information and asked no questions pertaining to the debt. I received emails at XXXX with him being immature and refusing to delete the remaining information. Only one month was updated, once I informed him he stopped responding and informed you all that he wrote me directly. I do not have an email to XXXX and only to a personal email that I told him I will soon block him on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 Reporting Act, XXXX XXXX, XXXX, Account Opened : XX/XX/20, 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 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I fell behind on covid payments. I just wanted and was promised to put this amount at the rear. I can do that. They refused me as an elderly minority woman. I do not want to lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
Transunion has furnised 2 accounts on my credit report that have been stoping me and my children from purchasing a home. I have called Transunion 5 days in a row and they refuse to remove the items from my consumer report. I contacted the CEO and have attached a copy of the email I sent to him. Transunion is in violation of Permissible purpose of consumner reports. I did not give them written instruction to furnish these accounts on my consumer report. Please assist me and having these items removed from my report so that my children and I may purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover, XXXX XXXX, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, Discover has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: Atlanticus Services Corporation
State: AZ

Complaint narrative:
XXXX, XXXX XXXX, Fortiva and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, Fortiva has an account for {$500.00} and XXXX has an account for {$2000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXL XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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, XXXX XXXX XXXX, Account Opened : XX/XX/20, 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 2022-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Opened : XX/XX/20, 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 explanation
Consumer complaint received 2022-09-20 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 Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX 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, XX/XX/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 explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resolve Partners, LLC
State: OH

Complaint narrative:
RESOLVE Partners is furnishing and distributing inaccurate information in regard to my consumer report. On XX/XX/2022, The XXXX XXXX XXXX delivered an Adverse Action Notice pertaining to the credit application I submitted. On this notice, The XXXX XXXX XXXX informed me that a decision was made in relation to the information received from RESOLVE Partners. In detail, my credit application was denied because RESOLVE Partners furnished and distributed the information that I have a " Criminal Background ''. This information is 100 % FALSE!!, I've never been convicted of any criminal offense ( XXXX ) in my life!! RESOLVE Partners has caused me to lose the opportunity to a home that I am deserving of- all because the furnishing and distribution of inaccurate information in regard to my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XXXX I received and email for a job offer for XXXX XXXX XXXX, following a short interview via the app called " Wire '' which is an encrypted messenger app I was sent a letter explaining I was accepted to work for them. Subsequently after they sent me more information regarding the offer and position along with details for hours and pay scale etc, in that message they included information regarding the devices that would be needed to preform this job and how they would send a check for {$2300.00} to help with obtaining said devices - Furthermore, the individual spoken to said a down payment of XXXX would needed to help with this and the money from the XXXX check would be deducted to pay for the equipment. Upon going to the bank on XX/XX/XXXX it was determined that the check that was emailed to me was not only fraudulent but would have taken that amount from my account. 

I contacted Venmo and XXXX XXXX on the same day to stop the transaction or have the money pulled back from the Venmo account that it was sent to considering the offer was fake and no merchandise was ever purchased let alone received thus no service was ever really provided and there would be no grounds for payment to be allowed. XXXX XXXX XXXX was aware of these scam applications as well including the names being used. 

Venmo refused to assist me with any information or resolution for the matter stating it would need law enforcement to be involved, XXXX XXXX XXXX doesn't allow for any reimbursement for scammed clients either according to the individual who I spoke to on XXXX. I had placed a scam report on XXXX and contacted my local law enforcement regarding this issue and have a case number as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CA

Complaint narrative:
I have 14 inquires that doesn't belong to me ... My information might have been impacted by the XXXX data breach and may have got into hands of the wrong people... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/22 a checking account was opened in my name with Bank of America using my old email address. I was notified of the open account. That same day I called BofA and notified them of the fraud and they closed all accounts. The accounts had a {$0.00} balance. 


On XX/XX/22 a checking account was opened in my name with XXXXXXXX XXXX. I received a letter on XX/XX/22 notifying me of the open account. That same day I called XXXXXXXX XXXXk and notified them of the fraud and they closed all accounts. The accounts had a {$0.00} balance. 

I reported the fraud to XXXX and they put a Fraud Alert on my account. 

After filling out this form I will be contacting my local police department to report the fraud as well. 

It seems these accounts were all opened on line with most information matching my info except for DL #.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of XXXX i filed a dispute on XXXX  bank for being inaccurate and this item from XXXX Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law Experian report # XXXX Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation